Business Insurance


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.yardbarberusa.com/ 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.

Business insurance covers your business from unexpected losses e.g. if your equipment is stolen or you make a mistake and your clients decide to sue. As a business owner, self-employed consultant or a freelancer you need to factor certain risks in your day-to-day work. Depending on your profession you may need public liability insurance, professional indemnity insurance, contents insurance or other types of cover.

And when you insure stock at your premises or home, you’ll also get an extra 25% of stock covered for two months of your choice as standard, ideal for your busiest periods. Professional indemnity insurance covers any legal and compensation costs you are required to pay. Clients will often ask to see proof of professional indemnity insurance before agreeing to work with a new contractor. To help you replace your essential tools or equipment quickly, if they’re stolen or damaged, so you can get back to work.

And now, you’ll get a fast-upfront payment of up to £1,500 to help you replace your essential tools or business equipment if they’re stolen or damaged, with Tools Essentials. If your main supplier or customer suffers damage to their premises and can’t trade, we’ll cover you for the loss of business you’ll suffer. Equally, if a market or fair that you regularly attend suffers a fire, we’ll cover the lost turnover for the time you can’t trade there.

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 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.

Your new insurance quote or renewal premium from any other insurer. Our Buildings and Contents Insurance protects your business’ premises, inside and out. Even if you don’t own the property you run your business from, we cover most damages to furnishings, right down to fixtures and fittings. Business Vehicle and Van Insurance Cover your business vehicle with https://www.wikipedia.org/ our comprehensive or third party, fire and theft insurance. Below is a summary of a generic policy, from 22 June 2021 onwards, which shows the main covers and exclusions in our policies. If someone in your business is unable to work due to a temporary injury, then after 7 days we’ll pay their normal net weekly earnings up to £500 for up to 104 weeks.

Good health for you and your employees is vital to keeping your business running. We offer a number of products and services to help and support your staff. Buildings and Contents is one of Aviva’s core covers you’ll need to buy in order to access our other flexible cover options. If you hire employees, you are legally required to take out at least £5 million in employers’ liability insurance.