primbondh/ July 5, 2022/ business insurance

Insure your business contents so that if they’re damaged by an insured event, such as fire or theft, your business keeps going. Protection against claims for property damage when working on-site or at a client’s home. Also covers claims for accidental injury from a client, visitor or member of the public.

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.

Our business interruption cover can insure you if you or one of your key employees becomes seriously disabled and is unable to continue work. We will cover the incurred costs, up to £25,000, to minimise any interruption to the business. Add any of the following cover options to your Small Business policy https://www.wikipedia.org/ and create commercial insurance that fits your business needs. These covers are subject to policy conditions and limits. Public liability is one of Aviva’s core covers you’ll need to buy in order to access our other flexible cover options. Here’s a list of covers that could support your business.

And now, you’ll get a fast-upfront payment of up to £1,500 to help you replace your essential tools or business equipment if they’re stolen or damaged, with Tools Essentials. If your main supplier or customer suffers damage to https://www.treadmillsandellipticalmachines.com/ their premises and can’t trade, we’ll cover you for the loss of business you’ll suffer. Equally, if a market or fair that you regularly attend suffers a fire, we’ll cover the lost turnover for the time you can’t trade there.

This covers the legal and compensation costs you are required to pay if an employee gets injured or becomes ill because of the work they do for you. Employers’ liability insurance is a legal requirement if you have employees. There are a couple of exceptions to this rule, which you can read more about here.

Professional indemnity insurance covers any legal and compensation costs you are required to pay. Clients will often ask to see proof of professional indemnity insurance before agreeing to work with a new contractor. To help you replace your essential tools or equipment quickly, if they’re stolen or damaged, so you can get back to work. You contact us as soon as you can between 8am and 6pm, Monday to Friday and after a few checks, we transfer up to £1,500 to you, within 24 hours. This covers work that is in progress that is damaged by an insured event, such as a fire, flood, vandalism or theft. We can cover the costs required to repair or redo the work.

Tools removed when the vehicle is not being used for business purposes for more than five consecutive days. Cover excludes electrical items such as laptops, cameras, mobile phones, removable satellite navigation systems, and handheld survey equipment. And now with Business Tech Essentials, if your essential tech is stolen or damaged, we’ll replace it within 24 hours from claim approval.

Good health for you and your employees is vital to keeping your business running. We offer a number of products and services to help and support your staff. Buildings and Contents is one of Aviva’s core covers you’ll need to buy in order to access our other flexible cover options. If you hire employees, you are legally required to take out at least £5 million in employers’ liability insurance. To understand your legal responsibilities and what the exceptions are, read more about employers’ liability here. In most cases, business insurance is optional, but some clients and companies may require proof of insurance before agreeing to work with you.

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