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August 29, 2015
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Business Insurance Policies - Business Interruption Cover

Business Insurance Policies - Business Interruption Cover

Many business owners understand why they need the basic insurances such as fire, burglary, glass, money and liability, but don’t understand the need for other insurances such as Business Interruption Insurance. Which for some businesses, can be vital if the business wants to survive after a major event. Business Interruption Insurance is like personal accident cover for your business. After a major loss, not only does it cover your net profit and business drawings, it will help you meet ongoing business expenses, such as ensuring everyone’s salaries are paid and business loan repayments are met. It also covers additional expenses incurred to maintain turnover which could include providing funds for the cost of alternative premises or even paying for advertising to announce the recommencement of your business.
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Business Insurance - Fire & Perils Cover

Business Insurance - Fire & Perils Cover

Cover for damage to your physical property including; building, contents and stock caused by one or more defined events or perils. You will generally find two types of cover available including accidental damage and defined events. Accidental Damage (or AD) is a much broader policy and will cover any event resulting in physical damage to your property, unless it is specifically excluded (think, rust, gradual deterioration, property undergoing processing etc.).Whereas a Defined Events policy will cover exactly that; Defined Events – these policies will list the types of events that must occur for the policy to respond e.g. Fire, Lightning, Storm, Impact etc.
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Business, Property and Liability Insurance Policies

Business, Property and Liability Insurance Policies

Ensure you have the right protection. Business insurance policies provide protection and peace of mind against a range of risks including Fire & Perils Insurance, Business Interruption Insurance, Public & Products Liability Insurance, Theft/Burglary Insurance, Glass Insurance, Employee Dishonesty Insurance, Machinery Breakdown Insurance, Electronic Equipment Insurance, Goods in Transit Insurance, General Property Insurance and Tax Audit Insurance.
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Insurance Tips for New and Existing Business Owners

Insurance Tips for New and Existing Business Owners

Each business is unique and therefore requires customised insurance solutions. We have compiled this series of articles to help business owners understand the insurance cover options they may need to consider for their business. Running a business or starting a new business is one of the biggest and most challenging things you might ever do in your life. It can also be very rewarding as well as being the gateway to financial success for your own future and that of your family.
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