If you are in business you will need insurance; without it your livelihood is at risk. An unexpected loss could cause financial hardship and destroy years of hard work and by law, some types of insurance are compulsory.
What types of insurance should I consider for a business? For businesses there are three main areas where you need to consider the insurance requirements of your business:
Insurances that protect both you and your employees against the consequences of serious illness, injury or death, and the effects these events could have on your employees, on their families, and on your business. Areas of insurance you might consider are:
- Income Protection
- Relevant Life Cover
- Shareholder Protection
- Private Medical Insurance
- Group Death in Service
- Employee Benefit
- Keyperson Insurance
Insurances that protect against loss or damage caused to your business’ property or trade by adverse events. Specific areas of insurance in this group may include cover for:
- Property – buildings and contents
- Engineering Failure
- Theft
- Money
- Goods in Transit
- Business Interruption
- Trade Credit Insurance
- Legal Expenses
- And a variety of other risks
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