January 31, 2023



Business Insurance Tailored To Your Business

At AXA, we’ll give you £10 million as standard, for complete peace of mind. Insurance...

At AXA, we’ll give you £10 million as standard, for complete peace of mind. Insurance covers are subject to the individual terms, conditions and exclusions of the insurer providing them. Always review the policy documentation supplied during the quote process to ensure you have the cover you need. Cover for business interruption and employers’ liability can also be provided. Speak to specialist https://www.wikipedia.org/ advisers who will help you find the right insurance for your business and search a panel of insurers to get you the right cover at the right price. Almost all businesses need some form of insurance, and if yours doesn’t, then at least you can be confident that you’ve checked you’re not putting your business at risk.

  • Loss of stock, money, damage to the shop front and building itself can all be covered.
  • If your policy remains as a manual renewal your cover will not renew.
  • If nothing with your business has changed during your time insured with us, then you don’t need to get in touch with us regarding your renewal.
  • Simply log in and select the ‘policy documents’ tab in ‘your policies’ – you’ll be able to view or print your policy documents and check your cover.
  • Protection against claims for property damage when working on-site or at a client’s home.
  • If you choose to cancel, you’ll be charged for the days you’ve been covered and a cancellation fee may also apply, as per your policy wording.

If your business has two or more vehicles, Swinton Business can arrange a UK fleet insurance policy to help keep your company vehicles protected. Whatever your type or size of business, we have a range of products to keep your liabilities, premises, equipment and staff covered. The cost of business insurance will vary depending on what type of business you are running, as well as the specific insurance needs of your business. The level of cover you need will ultimately determine the cost. Public liability insurance provides cover if a member of the public injures themselves or makes a claim against your business.

What Is The Vip Service?

And remember, with AXA, you can increase your level of cover at any time in your online account – for no additional fee. It’s a fine line to tow – you only want to buy and pay for the cover your business needs, but you also want to make sure that you’re properly protected should the worst happen. If you’re not sure what you need, call to speak to specialist business insurance advisers.

business insurance

Depending on the type of business you run, you might work from home, in an office, at your shop, a client’s premises or a shared working space. If your working premises became unusable due to an insured event like a fire or flood, business interruption will cover the costs of relocating until it’s fixed. It can also cover you for any lost turnover during this time if you’ve insured your premises or business property with us. Public liability insurance covers you if you cause injury to a member of the public or accidentally damage someone’s property. An example of this could include a customer slipping on a wet floor in your shop or office and hurting themselves, or you causing damage while carrying out building works on a client’s house.

Also known as commercial lines insurance, these coverages include property and casualty insurance products for businesses. Employers liability insurance protects you, your business and your employees, if a member of staff makes a claim. For example, a member of staff falling off scaffolding, or an office employee tripping over a cable and breaking their wrist.

What Are The Different Types Of Business Insurance?

For more information take a look at our guide on small business insurance. No matter what type of business you own, it’s important you understand the risks your business could face, so you aren’t left out of pocket if something unexpected happens. Business Income Insurance If you need cover for financial loss in the event of accidents, crime or natural disaster. Employers’ Liability Insurance If you have employees ‐ unless they’re related to you ‐ it’s a legal requirement to have this cover in place. Public liability is one of Aviva’s core covers you’ll need to buy in order to access our other flexible cover options. Our online quote tool gives you the option to enter all your trades so that we have a clear idea of what type of cover you might need.

All businesses are different and it can be difficult to know what protection you need. So whether you work from home, run a shop, office or salon or need a combination of covers to protect your business, premises and your customers, we’ve got you covered. Employers’ liability insurance covers the costs that you are liable to pay if an employee becomes ill or suffers an injury as a result of the work they do for you.

https://www.hutchisonandmaul.com/ policies can cover you for property damage, legal liability and employee-related risks, to name a few. The level of cover you need will depend on the type of business you own. As no two businesses are the same, it’s important that you get a policy that is right for you and covers exactly what you’re looking for. Property insurance covers equipment, signage, inventory, and furniture in the event of a fire, storm or theft. However, it doesn’t cover mass-destruction events like floods and earthquakes.