Business Liability Insurance
If you are looking for the best small business insurance products from major and specialist insurers as well as brokers then our guides will point you in the right direction.
General liability insurance is a must have as well as indemnity insurance for professional organisations that provide advice on a commercial basis and even contractors should consider getting quotes to cover themselves.
professional indemnity insurance - this essential insurance for most business covers mistakes and professional errors so check your professional indemnity insurance and ensure you are covered for your business.
Insurance for Professionals
There are professions such as solicitors and accountants and other service providers that require indemnity insurance by law or as part of the conditions set by the membership organisation. So check out the following guides for your professional organisation:
- bookkeepers insurance
- solicitor indemnity insurance
- architects professional indemnity insurance
- cheap public liability insurance quotes
- cheap courier van insurance quotes
- self employed health insurance
- company van insurance
- contractors liability insurance
- income payment protection insurance
- cheap commercial van insurance quotes
- endowment policy selling of endowments policies
There are various types of small business insurance products available on the market at competitive rates for limited companies and home businesses and these include general liability insurance covering public liability (accidents the general public may have at your premises or as a result of your staff), professional indemnity (insures against mistakes made from advice provided to your customers), employer's liability insurance, product liability and tax and VAT investigation insurance.
Generally for most businesses that have employees then liability insurance must be taken as the law dictates (also reference the Safety at Work Act 1974) especially if you have staff working for you, if your business provides professional advice or if you come face to face with third parties and members of the public in your daily activities.
When searching for quotes see if there are any specific exclusions and what type of excess you may need to pay in the event of any claim. Not all insurance policies are the same and may not cover you for circumstances you assume they will so be careful. Perhaps the services of an insurance broker may help you if you can work together. If you don't have the insurance specified by law then you may face financial penalties in the form of fines.
So that summaries the types of small business liability insurance you may need and it's best to check if you have the relevant policies and the correct amount of cover for your circumstances.