Business insurance covers your business from unexpected losses e.g. if your equipment is stolen or you make a mistake and your clients decide to sue. As a business owner, self-employed consultant or a freelancer you need to factor certain risks in your day-to-day work. Depending on your profession you may need public liability insurance, professional indemnity insurance, contents insurance or other types of cover. We offer business insurance for hundreds of different trades. Use our quote tool to check how we can help and cover your company. Public liability insurance covers you if you cause injury to a member of the public or accidentally damage someone’s property.
This insurance also covers you if a customer or member of the public becomes ill or suffers an injury as a result of a product you have supplied. For example, if the heel snaps off a shoe someone has bought from you, causing them to fall over, or if a cupcake you sell at an event makes someone sick. This does not include regular items in your toolkit, like a hammer. If you hold sensitive customer data, process payments online or just want peace of mind, Cyber cover should be considered. Catching you off-guard and tricking you in to doing something you shouldn’t, like opening an attachment in a fake email, or finding a way through your cyber-security. If this happens and they get their hands on your data or access to your bank account, the impact on your business could be devastating.
Business Income Insurance If you need cover for financial loss in the event of accidents, crime or natural disaster. Professional Indemnity Insurance If your client claims you have provided inadequate service or advice. Technical experts will help fix your IT issues and provide advice on how to prevent future cyber incidents.
Depending on the type of business you run, you might work from home, in an office, at your shop, a client’s premises or a shared working space. If your working premises became unusable due to an insured event like a fire or flood, business interruption will cover the costs of relocating until it’s fixed. It can also cover you for any lost turnover during this time if you’ve insured your premises or business property with us. If the people in question pursued legal action against you, public and product liability insurance would cover the costs you are liable to pay. Event organisers, for example, may need to see proof of public liability insurance before letting you trade at their craft fair. A business professional may require you to show proof of professional indemnity insurance before hiring you as a consultant.
For Retail and Office & Professional customers only. Tools, Stock and Business Equipment Insurance If you work from home and don’t own or rent business premises.
You get access to public relations and crisis management experts to minimise damage to your brand and business. Small businesses often aren’t prepared for large, unexpected expenses due to a claim, so it’s important to have the right insurance in place. If you’re self-employed and something goes wrong, you’ll be the one responsible for footing the bill. Download your policy documents instantly, so you can show proof of your cover to clients.
We’ll replace your essential tech within 24hrs of claim approval, with Business Tech Essentials. Public Liability Insurance Protects you if a member of the public or visitor to your premises suffers injury or property damage. A https://www.wikipedia.org/ micro business is defined as an enterprise that employs nine people or fewer. As of 2017, micro businesses count for 96% of the UK’s business landscape and, as you might expect, there are many different types of micro business.
Business interruption will also cover you if key equipment that you use to run your business, like a laptop, is damaged or stolen, meaning you can’t trade. Our different cover options allow you to insure your business equipment and stock at your premises, when you’re on the move, or both. https://www.treadmillsandellipticalmachines.com/ Whether you work at home, at fairs, in shared workspaces or visit a lot of clients, we’ve got you covered. And when you insure stock at your premises or home, you’ll also get an extra 25% of stock covered for two months of your choice as standard, ideal for your busiest periods.