Insurance Info

Many people get their first experience of buying insurance when they insure their homes. So when insuring their business, they might assume that the same rules apply and they should simply look for the same kind of policy that gives them basic buildings and contents cover. That isn’t always the case. For a start, as a cafe owner, you need to look at commercial not domestic insurance and not just a standard business insurance policy either. Cafe insurance cover offers unique features and benefits specific to your business.

Of course, the standard business insurance cover you get is important but you may also want to consider what advantages the features and benefits of a cafe insurance policy could give you as well. This might help you better protect your interests and your business if something untoward does happen. Continue reading ‘The Advantages of Buying Cafe Insurance Cover’ »

If you take even a quick look at most standard commercial insurance policies, then you may think that they all offer pretty much the same levels of cover. This may be true with the more common types of features and benefits but, if you run your own restaurant, will this be enough for you? You probably know yourself that your business is a lot different to other businesses out there. Therefore, a specialist restaurant insurance policy could be the way to make sure that you and your livelihood are properly protected against the unexpected.

Think about your needs. Running a restaurant may have similarities to running a shop or a café but it isn’t exactly the same and maybe your insurance cover should reflect this fact. The kinds of things that cause insurance claims in the first place may, in some cases, have a more serious impact on your business than they would on businesses operating in other sectors.

So what might be important to you? Firstly, you may need to think about getting maximum protection in case something does go wrong.

* How might you cope if your restaurant was targeted by a group of kids who found it funny to break your windows? Glass replacement cover could help with the emergency boarding up and window replacement if this happens;
* What if you have a major power cut when your restaurant is closed and you lose all the contents of your fridges and freezers? Freezer cover could be a sensible option to consider; Continue reading ‘Do You Need a Specialist Restaurant Insurance Policy?’ »

Running your own shop really isn’t like running any other business. The commitment you need to put in (as well as the hours!) to get up and running ahead of the competition is immense and there are all kinds of matters you’ll need to deal with. One of the most important issues here is probably your shop insurance. Many shop owners will simply take out a standard business/commercial policy here but you might be better with specialist cover. Let’s take a look at why you might need these specialist benefits.

* Shop closure – let’s say you have a fire and you have to close your shop down. A standard policy might help you make good the damage but what about your income? Business interruption cover might be extremely useful to you in this case;
* Vandalism – retail outlets are often attractive to vandals and many shop owners will suffer from damage to their windows, shutters and doors on a repeated basis. A glass replacement feature could take care of any problems you have; Continue reading ‘What Are the Benefits of Shop Insurance?’ »

If you work as a tree doctor, either as a sole trader or as the owner of a business, then it is vital to ensure that you have the right kind of insurance in place to protect you. Those who work in the forestry trade are often viewed by many insurance companies as a high risk and you may find that many standard commercial policies simply might not have the features and benefits that you need. You may in fact find that a specialist tree doctor insurance policy will be your best option.

There are a lot of factors to consider before you choose the right insurance policy to suit you as a tree doctor. There are of course some benefits that you’ll get that will be standard but you might also want to look at specialist policy elements that take your profession into consideration. So, what considerations should you take in to account when looking for a tree surgeon policy? Continue reading ‘A Guide to Tree Doctor Insurance’ »

If you work from home running your own business as so many people do, then you may think that you can cover all of your insurance needs through your standard domestic insurance cover. This may not, however, be the case and you may need to consider a specialist home office insurance plan – either as a standalone product or as an extra benefit added to an existing policy.

Although you may not run a business office in the traditional sense, your home office is just as important. Most people wouldn’t dream of not insuring their business premises but many people running a home business fail to get the right cover. At the end of the day this could leave them out of pocket themselves and could even put their businesses at financial risk if they don’t have relevant protection. Continue reading ‘Do You Need Home Office Insurance?’ »

Every home business should look at getting an insurance policy that will provide them with adequate coverage. Your home insurance policy will often cover you for some of the contents of your home business, including PC’s, laptops and other small office equipment. However, it will not cover very expensive specialist equipment nor provide any public liability cover for visitors to your home business if any accidents should happen.

If you work from home, you should contact an insurance expert and discuss buying a home business insurance policy to cover the gaps in your existing home buildings and content policy. It is possible to get one policy that will cover your home, contents and business but in practice this is rare and often, the one size fits all, just does not work properly for all circumstances. Continue reading ‘Business Insurance For Your Home Business’ »

With the current economic situation still unbalanced, and the end of a calendar year quickly approaching, many small and large businesses are beginning to think of ways to cut costs in 2010. Traditionally one of the most expensive costs for any operation is in the area of commercial liability insurance for protection against fire, theft and employee injury. The good news is there are more companies than ever offering this kind of insurance, which means prices overall are down, and finding commercial insurance quotes is easier than ever.

The most popular, and probably the easiest, way to begin your search for a new insurance quote is to look online at various insurance web sites and advertisements. Because of how easy it is to answer a few questions and receive a quote back from a company, there is no reason to be able to get at least five cost estimates in an afternoon. As you surf around the net you will probably see many insurance companies you haven’t heard of before, and yes, some of these are very small companies. But since it IS your policy you are more than welcome to only request quotes from the largest agencies. Continue reading ‘Three Ways to Find Commercial Insurance Quotes’ »

Any type of vehicle can be used to deliver cargo, freight or precious items. Most commonly you will see small vans. What happens if someone causes you to have an accident? or you hit another vehicle? How will your business operate if your main tool for work is out of action?

When starting a courier business insurance can seem like a big expenditure. People know exactly what they are getting when they buy a van, but insurance can be a bit fuzzier. For example, do you really need insurance at all to be a courier? Continue reading ‘Do You Really Need Insurance to Be a Courier?’ »

Fish and chip shops operate in a high risk environment which requires special insurance that covers the deep fish fryer range. Fish and chip shop insurance caters to the needs of this high risk business by providing coverage for store property and contents. A standard home and content policy is not enough to protect the owner, employees and customers as well as the premises and contents of the business. Fish and chip shop insurance should include specific coverage that will protect the owner from losses due to fire, flood, storm, accidental damage and public liability. The following is a description of the different types of coverage that fish and chip shop insurance should provide.

Fire damage is the most common claim with fish and chip shops. Boiling oil, heat and the constant use of electricity create an environment in which fires can easily break out, and turn into explosions if not properly extinguished. The risk associated with deep fish fryers is the main reason that fish and chip shop insurance is necessary. The age of the frying range will be a determining factor in the price of the insurance policy. It is also important to know how often the policy requires professional cleaning of the extraction canopies and duct work, as non-compliance could result in a costly interruption of coverage. The insurance policy should also protect against accidental damage, floods and storms. Continue reading ‘Essential Tips For Buying Fish and Chip Shop Insurance’ »

What is Public liability insurance and why do I need it? Public liability insurance is the insurance that covers any risk of liability that a business may have to pay to a customer if the customer suffers an injury while on the premises. PLI also covers the risk if the business causes damage to a customers property. Public liability insurance will also reimburse the owner for legal charges while defending the business as a result of claims. This coverage of insurance is especially important because if a court does not award any damages, the business owner will still have to pay large legal fees as a result of the claims.

Public liability insurance is a necessity for the business because the fact is that no one can run a business that doesn’t carry some type of risk. A small business cannot ignore the risk factors associated with their particular business. It is the business owner’s responsibility to and legal obligation to compensate the customer for any loss to their property as a result of negligence by your business. Sometimes a claim can go as high as or beyond a million dollars. It is important that a business owner purchase insurance because just one claim could cause the business owner to lose their business and depending on the type of company their personal assets as well. Continue reading ‘What is Public Liability Insurance, and Why Do I Need It?’ »