Contents Insurance
Contents Insurance
What contents insurance?
Business contents insurance protects the possessions and equipment in your work premises. A typical business contents insurance policy will cover damage or loss to furniture, tools and equipment as a result of a fire, flood or theft.
We offer a range of covers for customers who have stock, or business premises, available to you as standard, with others, you can add as extras if you need them
Why would I need contents insurance?
Accidents and incidents happen. And not just between 9am and 5pm. Our contents insurance gives you access to a 24 hour emergency helpline so we can help you when you when you need it most. If you’ve got stock, or are based in a premises, contents insurance could help you put things right if your valuables are damaged.
How much does public liability insurance cost?
This cover can protect you from small workplace incidents to the more expensive accidents that could really hurt your small business. It can cover you for up to £5m for compensation payments, giving you peace of mind that your business is protected against compensation and the costs of defending a claim up to the level of cover you select.
Do I legally need public liability cover?
Public liability insurance isn’t a legal requirement, however you may need it to be able to deal with your client contracts, and some companies are obliged by their supervisory or membership body to take out certain levels of business insurance. Many small businesses take out public liability, but if you’re not sure if you need it, either as a legal requirement, contractually or as best practice, give us a call and we will be happy to assess and advise.
Can you give me a typical example of a public liability claim?
A plumber could be working in a client's property and makes an error, causing extensive water damage to the home. Or you could own a restaurant and accidentally injure a customer by spilling scalding hot water over them. Accidents happen and for a small annual cost, you really are best to be safer rather than sorry.