If you run a business of any kind you want to guard against all sorts of unexpected events which might cause problems for your business. Whatever comes your way a good insurance policy will give you the precious peace of mind you need to protect your livelihood.
At Just we specialise in helping businesses such as yours the protection they need. Whether you want to protect against damage to property, guard against liabilities or anything else, we can assist you in comparing policies and finding the most appropriate fit for your business.
Are all types of commercial businesses covered?
They should be. Insurers may specialise in one area or another. They will cover a wide range of risks including damage to your office, loss or equipment or legal claims brought against your company.
What should I consider?
Think about the way you business operates. For example, ask if you have lots of customers in your shop, use vehicles for your business or if you’re located in an area with a high risk of flooding. This will help you pick and choose the risks to protect against.
Are there any exceptions?
There can be which is why you should check the small print of your policy. Some insurers have maximum limits beyond which they won’t go. You’ll have to decide whether that covers the amount you might need to be insured for, or if you’re willing to pay the excess. They may also have provisions which could invalidate a claim if you don’t stick to them so it is important to understand your obligations.
How can I reduce the costs?
Insurance premiums vary depending on how much cover you take out, the value of your property and other variables. It’s also a good idea to shop around and compare available policies to find one which provides all the cover you need at a more affordable price.