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Insurance For Business

Being in charge of a company, no matter how small, is a great responsibility. You will have day-to-day issues to deal with as well as plans for the future that need to carried out. However one of the most important things to consider is insurance - what types of business insurance your company needs by law and which should be in place so that all your hard work in setting up the business doesn’t get wiped out by one accident.

Business insurance required by law includes:

• Employers’ liability
• Motor insurance
• Professional indemnity

Employers’ Liability Insurance

Employers’ Liability is required by any business that has employees, whether it’s just one or 10,000. This business insurance covers compensation and legal fees for employee who sustains injury, illness or disease during the course of employment. This policy needs to be issued by an authorised insurer, so you will need to check the credentials of your insurance broker before you pay out for the policy.

Motor Insurance

Motor insurance is a legal requirement for anyone driving a motor vehicle on public roads for personal reasons as well as business reasons. This means that if your business has to run vehicles as part of the business, the company needs to insure those vehicles, whether they are motorbikes, cars, vans or articulated lorries.

Professional Indemnity Insurance

If a client believes that they have received a bad or negligent service that has caused them to incur loss as a result, they may sue. Professional indemnity insurance protects against this. This type of insurance isn’t necessary for every type of business, but it is a very useful protection.

There are exceptions to these compulsory business insurances but you shouldn’t take the risk. Always take the time to consult a business insurance broker who will be able to take a look at the company you run, as well as the products and services you offer and give you accurate and individual advice.

Other types of business insurance you may want to ask your business insurance broker about include:

• Buildings insurance;
• Key Man insurance;
• Goods in Transit Insurance;
• Product Liability Insurance; and
• Public Liability.

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