Business Insurance


You contact us as soon as you can between 8am and 6pm, Monday to Friday and after a few checks, we transfer up to £1,500 to you, within 24 hours. This covers work that is in progress that is damaged by an insured event, such as a fire, flood, vandalism or theft. We can cover the costs required to repair or redo the work. When you cover your electrical items and tech you get Business Tech Essentials. Which means if your essential tech – like laptops, mobiles or tablets – are stolen or damaged we’ll replace them within 24 hours of claim approval. Theft of Takings covers cash or cheques stolen from you in transit, from a safe or on you while you’re working at other premises, such as your clients’ homes.

You get access to public relations and crisis management experts to minimise damage to your brand and business. Small businesses often aren’t prepared for large, unexpected expenses due to a claim, so it’s important to have the right insurance in place. If you’re self-employed and https://www.yardbarberusa.com/ something goes wrong, you’ll be the one responsible for footing the bill. Download your policy documents instantly, so you can show proof of your cover to clients. Business Income Insurance If you need cover for financial loss in the event of accidents, crime or natural disaster.

To understand your legal responsibilities and what the exceptions are, read more about employers’ liability here. In most cases, business insurance is optional, but some clients and companies may require proof of insurance before agreeing to work with you. Different businesses will need different levels of cover, so the cost of insuring a business will differ. We let you design your own Small Business Insurance, so you’re in control of what aspects of your business you insure and how much you pay. Crime reference or proof of damage and proof of ownership needed. You’re covered for theft of tools when they’re locked in your vehicle overnight that’s parked on your drive, the street or if you’re working away.

We offer business insurance for hundreds of different trades. Use our quote tool to check how we can help and cover your company. Public liability insurance covers you if you cause injury to a member of the public or accidentally damage someone’s property. 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.

So, whether you’re a retailer or a dog groomer, an IT consultant or a photographer, you can choose the cover that’s just right for your business. We can cover this machinery for theft and damage due to an insured event e.g. fire. https://www.wikipedia.org/ We do not cover machinery that has been damaged due to wear and tear. This would cover the costs of replacing or repairing things like your broken boiler and fire/burglar alarms, as long as the damage is not due to wear and tear.

This covers the legal and compensation costs you are required to pay if an employee gets injured or becomes ill because of the work they do for you. Employers’ liability insurance is a legal requirement if you have employees. There are a couple of exceptions to this rule, which you can read more about here.

We will cover the incurred costs, up to £25,000, to minimise any interruption to the business. Add any of the following cover options to your Small Business policy and create commercial insurance that fits your business needs. These covers are subject to policy conditions and limits. Public liability is one of Aviva’s core covers you’ll need to buy in order to access our other flexible cover options.