Help with choosing the right cover options for your business.
Brief explanation of cover options and extensions you may require or be given when insuring your business.
Buildings and Contents
What is Covered? Your buildings, fixtures and fittings: including gates, fences, car parks, as well as underground cables and pipes. It may also include cover for stock and cash on the premises and in some cases it can also provide for seasonal stock increases free of charge.
If your business needs to close after a disaster like a flood or a fire, perhaps even after a forced entry business interruption insurance covers the shortfall in your business' income.
Goods in Transit
This will cover stock and equipment that is being transported from point A to point B. There may be exclusions such as equipment must not be left in the vehicle overnight. Please speak to your broker for more details.
Covers the cost associated with obtaining legal advice and/or the costs involved when bringing or defending a court case. The policy conditions and the amounts covered vary from insurers so check with your broker.
Personal Accident and Assault
There are several different types of personal accident cover. Personal accident only, group accident, personal accident sickness and personal accident assault all with varying levels of cover. Speak to your broker to see which policy cover options are open to you. The cover may be included or obtainable as a stand-alone policy.
Cover for equipment that is either damaged or stolen for more details on the full extent of this cover and any exclusions that may apply please speak to your assigned broker.