No two firms are the same and no two firms’ insurance needs are the same. That’s why at Coversure we offer protection that’s tailored to your organisation’s needs. Our dedicated insurance specialists will take the time to understand your requirements before creating a bespoke package of protections. With our affordable, flexible range of policies from leading UK insurers, whether you have an art gallery or a zoo, Coversure’s A-Z book of business insurance can protect you. Looking for affordable business insurance that doesn’t compromise on the quality of cover?
We’llarrange a call with you to learn more about your insurance requirements, and to discuss our range of business insurance policies in detail. Fixtures & Fittings Cover Regardless of whether you’re a big hotel chain, a boutique hotel or a B&B, clients likely recognise your company from the branding, signage and decor that flows throughout your hotel. Fixtures & Fittings Cover can protect furnishings such as your tables, chairs and window displays from any loss or damage done to them, so that the expenses are never yours to bear.
Speak to an adviser to find out which liability insurance you need for your business. And if you have employees, there is a high likelihood that you will be legally required to take out employers’ liability insurance. Liability- You or your employees may be held responsible for accidental injury to customers or the public, or for damage to their property. Also as an employer, you have a legal responsibility to buy employers’ liability insurance. Business insurance policies can cover you for property damage, legal liability and employee-related risks, to name a few.
But remember, having quality cover that fully protects against the risks to your business is more important than cost. An employee slips at work and breaks their arm – Employers’ liability insurance provides cover in case an employee gets ill or injured because of the work they do for you. The insurance team at Bionic can help you work out exactly which types of cover you need. Commercial building insurance – To protect business premises that you own, whether you’re using them or renting them out. Even if you own the equipment you’re using for work, you should check that its replacement value is covered under the amount your policy will pay out for a single item. Qdos also provide jury service and legal protection for the self employed, and tax enquiry insurance.
Make sure you’re protected should a client or member of the public injure themselves or damage their property due to your business. Covers you if someone – anyone – claims your business has injured a person or damaged their property. Product liability insurance – Covers you should a product you have made or supplied results https://www.wikipedia.org/ in injury, illness or damages to an individual and their property. Hair & Beauty Insurance – From treatment risks to business premises cover, we can also offer compensation should your business be held liable for employee injury or illness. We all know how frustrating this can be – when there’s no clear mistake.
Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team. Some types of https://www.thehormonauts.com/, such as employers’ liability cover, might be required for most companies under UK law. While others are not necessarily a legal requirement, they may be strongly recommended as a safeguard measure, such as public liability insurance. This cover protects you against any costly claims made against you or your business.