To insure the buildings against damage such as subsidence, fire, storm, flood or escape of water.

Damage to equipment at and/or away from the premises.

Cyber Insurance

This can cover damage to equipment for example by, computer hacking or a ransomware attack

To insure the business contents against damage such as fire, theft or escape of water.

To cover damage to fixed glass and sanitary fittings.

To cover theft of money from the premises, in transit or the home of an authorised person.

This covers damage to your vehicles and your liability to third parties.   Third party liability insurance is compulsory.

Whilst it is easy to believe that if the worst were to happen, you could operate your business from home or another premises, could your staff?  Would alternative premsies be readily available?  Having full loss of revenue cover to protect you is the best way forward.

Cyber Insurance

This can cover loss of income following a data breach, denial of access or cyber attack.

To provide legal advice and costs of pursuing or defending certain actions such as employment, contractual or property disputes.

To protect the personal assets of a director or senior employee following an allegation that they committed a wrongful act during the course of employment e.g. Health & Safety at Work, employment dispute or financial matters.

To cover legal defence costs and awards made against you arising from your liability at law for injury to your employees.  This is compulsory.

Usually added to Directors’ & Officers’ Liability insurance, this protects the business in the event of an alleged wrongful employment act.

To cover legal defence costs and awards made against you arising from your liability for breach of contract, negligence or breach of confidentiality.   Even a malicious or frivolous action needs to be defended and this can lead to expensive legal costs.

To cover legal defence costs and awards made against you arising from liability at law for injury to others or damage to their property arising out of your business activities.

To cover claims from third parties for damage to their systems, loss of money, business interruption, breach of copyright, penalties from regulator.

If you have staff that travel abroad on business, you should provide cover for medical expenses, cancellation costs, money, lost passport plus replacement employee expenses

To provide a lump sum payment and/or regular weekly payments following permanent or temporary disablement as a result of an accident e.g. loss of an eye or a broken leg.