If only we lived in a
world where there were no accidents and no mistakes? Sadly we don’t and
insurance can make a huge difference to the outcome of many unforeseen
situations. We can work with you to implement the right insurance solutions to make sure your business doesn’t suffer when the unexpected happens.
All businesses need some form of insurance. The risk to you and your business is just too great to carry on regardless, in the hope that “it will never happen to me”. Who knows, an unexpected event could cause you financial hardship and destroy all that effort you have put into building up your business and we don’t want that to happen. Obviously, there are some types of cover that are a statutory requirement, so you need to make sure you are getting the best rates around.
Public Liability covers the legal liability to pay damages to members of the public for death, bodily injury or damage to their property which occurs as a result of business activities. It also covers legal fees, costs and expenses such as representation at any coroner's inquest, fatal accident enquiry or other court hearing because of an accident.
By law, all employers must insure against their legal liability for injury, disease or death to employees sustained by them and arising from their employment.
Owned buildings should be insured for the full rebuilding cost, including professional fees and the cost of site clearance. Contents, such as stock and work in progress should be insured at its cost price. Plant, machinery & business equipment will usually be insured for their replacement cost.