Making changes to your policy is quick and easy, though it is important to remember that we can only speak with interested parties or authorised contacts about your policy. To add an authorised contact, please get in touch and a member of our team will be happy to assist you. Once you’ve purchased your policy, you can continue working worry-free knowing your registered gadgets are protected. Your policy will come with unlimited claims, so you can claim as many times as you need. We have two levels of cover that will cover your business devices against a range of eventualities. With approximately 4.3 million SMEs in the UK, employing around 12 million people, this sector is vital to the UK economy.
We know that businesses are hard to run without some tech to help along the way, which is why we are dedicated to getting your business back on track as quickly as possible when the worst happens. Please note that the VIP service only applies to phones and tablets – not laptops or desktop PCs. You will need the device’s IMEI/serial numbers and purchase date if you’re happy with the quote we provide. If you’re happy with the quote, you can accept and pay your premium monthly or annually. If your employees travel abroad, then our Business Gadget Insurance will cover your iPads, laptops & mobiles.
Can I Get Business Insurance Without A Trade Licence?
If your business has staff – even if they’re volunteers, apprentices, contractors or temporary – then employers’ liability insurance is a legal requirement under the Employers’ Liability Act 1969. Small and micro businesses are often most at risk, as many couldn’t afford to face a hefty compensation or damage claim or without having https://www.wikipedia.org/ in place. From mistakes to trips and slips to flooding, accidents can happen anywhere, at any time. Get buildings and contents insurance, as well as product and public liability cover.
- So if you’re a business, marketing or IT consultant get the advice you need to protect you and your business.
- UK companies that employ staff may need to hold a certain type of business insurance – employers’ liability insurance – by law.
- Below is a summary of a generic policy, from 22 June 2021 onwards, which shows the main covers and exclusions in our policies.
- Add any of the following cover options to your Small Business policy and create commercial insurance that fits your business needs.
- If you’re working for client who has asked you to complete a questionnaire regarding your insurance coverage, please send this to us via email.
When you’ve logged in, pick the policy you need to update, click the details you want to change and follow the on-screen help to make your change. 93% of claims accepted covers the period of 2021 and is a measure of all completed claims received . We support businesses of any size https://www.hutchisonandmaul.com/ – from one-man bands to large corporations. We have improved our buying journey so that now you can easily register all of your devices at once by uploading a spreadsheet with your device details. Sit back and relax knowing that your registered devices are covered instantly.
The easiest way to find out how much business insurance will cost is to run a quick quote. Public liability insurance protects you if someone is injured or their property is damaged because of your business. People power is everything for the UK’s small businesses and particularly for micro-businesses including start-ups. That’s why personal accident insurance could be so important – if you or an employee is unable to work due to an accidental injury, we’ll keep your business healthy with up to £250 per week. If a serious accident affects your livelihood, this type of cover also pays out a lump sum.
How Does Car Insurance Work?
Once you’ve purchased the policy, each of your devices insured will be protected. There’s no limit to the number of claims you can make whilst your policy is active, and payments up to date. Small enterprises in particular suffer severe financial loss if closures prevent or restrict trading over a period of weeks or even months. In research conducted by Populus, figures show that alarming numbers of SMEs are not prepared to deal with sudden crises that jeopardise their business. As a result, BIBA has launched a high profile campaign to encourage SMEs to get serious about business continuity, the practice of ensuring that businesses are protected in the event of an emergency.
An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750. You can build your policy from a range of different covers to suit your individual needs. Fill in our form to compare commercial insurance quotes tailored to your needs.