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Business Insurance
Business insurance is a contract you enter into voluntarily with an insurer, under which the insurer pays for property losses caused by the events set out in your policy. Business cover is generally comprehensive, and you can tailor it to your actual needs, choosing the protection that suits you so every part of your business is covered and you have peace of mind.
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Business liability and business interruption insurance
[Liability insurance]
In the course of doing business, you could be held liable for loss or damage caused to others through an accident, professional negligence or an inadvertent breach of the law. The cost to your business can be enormous, so it pays to have the right liability cover in place to minimise that risk. Common types include [Public liability] [Statutory liability] [Employers' liability] [Professional indemnity] and more.
[Business interruption insurance]
If your business assets (such as equipment or premises) suffer a loss and trading has to stop, this cover can pay out your lost income or insured profit, helping you get through a difficult period. Common events that trigger a claim include fire, flood, earthquake, and accidental or malicious damage.
Contract works and material damage insurance
[Contract works insurance]
If buildings or materials suffer loss or damage during construction, for example from fire, flooding, vandalism or theft, contract works insurance can cover the related repairs, rebuilding, lost materials and labour costs. It is the type of cover owners and contractors arrange before a project begins.
[Material damage insurance]
Your tools, materials, equipment, assets and stock are all at risk of unexpected loss in day-to-day business, such as accidental damage, loss or theft. Those losses can be significant, so material damage insurance protects the equipment and materials your business relies on against sudden and unforeseen events.
Commercial vehicle and commercial property insurance
[Commercial vehicle insurance]
If your vehicle is used for business purposes, you need commercial vehicle insurance to avoid unnecessary risk. This includes, but is not limited to, taxis, carrying tools or goods, rental vehicles and courtesy cars.
[Commercial property insurance]
If your property is used for business purposes, choose commercial property insurance rather than standard home insurance. Examples include office buildings, offices, factories and workshops, shops and shopping centres. If you run a business from a residential property, your insurer may also treat it as commercial property depending on the circumstances.