Business Insurance Quotes.

Business insurance of various types is available, not all types of insurance will be relevant to your business. Some types of business insurance are as follows:

Commercial property insurance offers protection for property that is owned to generate an income as an investment should it be damaged by fire, storm, flood or theft. 

Commercial property insurance is available as buildings and/ or contents cover. Buildings cover protects the physical structure of the building while contents cover includes cover for your fixtures and fittings as well as stock and sometimes money cover. If you are a tenant of a commercial property, you would need to have your own commercial contents insurance.

Commercial property insurance may also include protection for loss of rent or business interruption cover following an insured event. Business interruption cover offers financial protection while your business is unable to trade due to the insured event.

Public liability insurance offers you financial protection should the operation of your business or you carrying out your profession cause a third party injury or property damage. 

Public liability insurance will cover costs associated with your defence and/ or any award of compensation to the third party.

Product liability insurance offers you protection should any product or item you supply, service, repair, or manufacture cause another person injury or property damage.

Product liability insurance will cover any award made to the third party as well as any costs associated with their claim.

Employers liability insurance will offer your business protection in the event that an employee of your business is injured or becomes ill as a result of their work for your business.

If you are found to be liable for their injury or found to be in breach of your obligations under Health and Safety legislation, employers liability insurance will cover any award made to your employee.

Commercial motor fleet insurance covers cars, jeeps, trucks or commercial vehicles owned by a business. 

If you have more than two vehicles, commercial motor fleet insurance offers your business protection should one of them be involved in an accident.

Keyperson insurance is a form of business life insurance that offers protection should a keyperson die.

A keyperson can be a director, an employee or even the business owner. Anyone whose unique skills, knowledge or experience would be very difficult to replace should they die.

Professional indemnity insurance offers you protection if your profession involves giving advice or a professional service and your error, breach or omission causes a third party a financial loss.

Professional indemnity insurance is required for registration in a number of professions.

If you have an accident and are ill, injured, or disabled then personal accident insurance will offer you financial protection while you are unable to work.

Personal accident insurance may also include a lump sum payment should you die due to an accident.

There are many variables that affect the amount you will pay for business insurance, as well as the types of business insurance that are important for your business. Your business may not need all of the types of business insurance outlined here.

All businesses are subject to different risks, and the financial consequences of an event occurring depend on a number of factors such as the size and nature of your business. 

These factors include:

You have worked very hard to build your business and it is important to protect it from risk. Business insurance is complex and it is hard to know what types of insurance your business needs.

Take the assessment today and allow us to advise you and find you the best insurance for your business. Our qualified Financial Advisers are on hand to support and assist you.