Business Insurance

Risks to your business can arise for many reasons - interest rate or price increases, your competitors' activities, injuries through hazards in the workplace, skilled staff leaving or events such as fire or water damage through storms. Managing those risks is an important part of running your business.

Risk management is a systematic process of making a realistic evaluation of the true level of risks to your business. Many risks that can affect your Business are insurable. Before risks can be properly managed they need to be identified - you can begin with these questions:

When you are in business you deal with a variety of potential risks each day. Risk is not something you can avoid, but it is something you can manage. Risk management will increase the probability of success and reduce the probability of failure of your business.

Insurance is an essential part of running any business and risk management strategy. If you are operating a business, chances are that you will need more than just property insurance. Taking out the right insurance will help protect your business and minimise its exposure to risk.

Your insurance requirements will vary according to the type of business you are operating, but you should be aware that some forms of insurance are compulsory, such as workers' compensation and third party car insurance.

Under a Business Insurance Policy, there are different types of cover that provide for the physical loss of or damage to, your property from events including, but not limited to, fire, theft, lightning or explosion. For example, you may want to protect your stock and contents from theft, so you should choose to buy the theft section.

Business Insurance covers available include:

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