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’ »

Professional Indemnity Insurance (PI) is difficult to comprehend. However, I’ve devised a guide to make professional indemnity insurance simple.

What is Professional Indemnity Insurance?
Professional Indemnity Insurance is a form of business insurance for professionals who are in industries where others may rely on their professional advice. By being regarded as an ‘expert’ in a field, others may seek legal action against you if they suffer a loss from your professional advice.

For example, if you are an accountant and are responsible for preparing and lodging your client’s tax returns, a failure to lodge the tax returns on time can result in interest and penalties for your client. Your client could take legal action against you for a breach of your professional duty.

Continue reading ‘What is Professional Indemnity Insurance? an Easy to Understand Guide’ »

Any sensible person starting up their own business, whatever their niche, needs to create a workable business plan. The one area that stumps many people is determining exactly what kind of insurance they need and where to find it at a reasonable cost.

If you are a one man (or woman) concern you may not think you need any insurance at all. Unfortunately, in this day and age that is far from the case. What would you do if your premises were broke into and your computer, possibly the lifeblood of your company, was damaged or stolen? Even if you work out of your own home your regular homeowners insurance might not cover the loss.

Then there is the question of health and disability insurance. You may have been well covered in both areas when you still worked for an employer but now that you are your own boss how would you manage if you were to become ill or injured and what would happen to your business while you recovered? Continue reading ‘Start Up Business Insurance – What Do You Really Need to Buy?’ »

Over the past decade, the internet has asserted itself as an almighty tool for the masses. With consumers now able to purchase everything from clothing to groceries online, it should not come as a surprise that one is now able to use the internet to shop for that perfect insurance policy.

Requiring only a few clicks of the mouse and the input of any necessary information, one can easily find and purchase insurance online. And while some may be in need of such policies as auto or home, even policies regarding businesses can be found online. In fact, being able to compare business insurance policies online gives consumers a lot of flexibility and power. Continue reading ‘Finding the Right Business Insurance Policy Online’ »

Could your retail business benefit from supermarket insurance? If you run your own supermarket(s) then you are probably aware of just how important a business insurance policy can be to protect you and your livelihood. However, the retail sector may be perceived by some insurance providers as being a high risk as so much can potentially go wrong. This might actually make it harder for you to find suitable cover.

So, why is the retail trade held to be risky by some insurers? It is to do with their assessment of what can and does go wrong with this kind of business. Insuring an office, for example, may be relatively easy by comparison.

Supermarkets, on the other hand, may employ more staff, will have a regular footfall of customers and visitors; and may be more vulnerable to theft and vandalism. Continue reading ‘Would Your Business Benefit From Supermarket Insurance?’ »