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If you are in business you will need insurance; without it your livelihood is at risk. An unexpected loss could cause financial hardship and destroy years of hard work and by law, some types of insurance are compulsory.
For businesses there are three main areas where you need to consider the insurance requirements of your business:
Insurances that protect against loss or damage caused to your business’ property or trade by adverse events. Specific areas of insurance in this group may include cover for:
Insurances that cover your business’s legal liabilities in the event of some aspect of your business causing damage or harm to a third party or their property. Employers’ Liability insurance is compulsory by law, but other areas of liability that you may need to consider insurance cover for include:
Insurances that protect both you and your employees against the consequences of serious illness, injury or death, and the effects these events could have on your employees, on their families, and on your business. Areas of insurance you might consider are -