Insurance

Over the last year, we have seen two clients experience the difficulty of claiming on an insurance policy. Unfortunately only one was covered and paid, the other did not have the right cover. Here is a checklist of some of the more common insurances that you may need for your business:

Employers’ liability
motor insurance
public liability
product liability
buildings & contents (fire, theft, damage)
professional indemnity
contract insurance
credit insurance
key person cover
legal expenses
business interruption
portable equipment
business money
goods in transit
loss of stock
specialised requirement (eg retailers shop front)

This is not a comprehensive list and there may be insurances specific to your business or sector. Hopefully you will never need to claim, but we recommend that you take independant specialist advice in this area.