Business Insurance Quotes

Different businesses will need different levels of cover, so the cost of insuring a business will differ. We let you design your own Small Business Insurance, so you’re in control of what aspects of your business you insure and how much you pay. Crime reference or proof of damage and proof of ownership needed.

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. Whether you work at home, at fairs, in shared workspaces or visit a lot of clients, we’ve got you covered. https://www.wikipedia.org/ 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. 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.

If someone in your business is unable to work due to a temporary injury, then after 7 days we’ll pay their normal net weekly earnings up to £500 for up to 104 weeks. 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.

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.

We can cover this machinery for theft and damage due to an insured event e.g. fire. We do not cover machinery that has been damaged due to wear and tear. This would cover the costs of replacing or repairing things like your broken boiler and fire/burglar alarms, as long as the damage is not due to wear and tear.

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. And now, you’ll get a fast-upfront payment of up to £1,500 to help you replace your essential tools https://www.kamerhiphop.com/ or business equipment if they’re stolen or damaged, with Tools Essentials. If your main supplier or customer suffers damage to 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.

Theft of Takings covers cash or cheques stolen from you in transit, from a safe or on you while you’re working at other premises, such as your clients’ homes. Meanwhile, there will be other more general items that you might rely on for your business, like your office furniture or your shop tills. 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.

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.

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.

Professional indemnity is useful if your business offers a service or requires you to give advice to clients. If you make a professional error or give advice that is deemed negligent, you could be taken to court. You can pick from a range of cover options to get a bespoke policy for your business. Your new insurance quote or renewal premium from any other insurer.