Deciding on the types of insurance that your business needs can be confusing.
If you’re running a popular baby scanning business, it can be difficult to know what types of insurance you need. In addition, because your type of business is a relatively new service, many insurers don’t really understand what risk you may present to them. Plus there are all the complexities introduced following changes to the SOR member insurance scheme.
So talk to a broker that has experience in arranging insurance for businesses involved in the scanning sector.
We can help businesses in Bromsgrove, Evesham, Droitwich Spa, Redditch, Worcester, Warwickshire, West Midlands and further afield.
To give you an idea of the types of insurance you might need, take a look at the list below. However, every business is different so not all of these may be relevant to you. Tell us what you do and we can tailor the insurance to suit.
To insure the buildings against damage such as fire, storm, flood or escape of water.
Damage to equipment at and/or away from the premises. This can include breakdown to ultrasound equipment and consequential losses.
Cyber insurance can cover damage to equipment, for example, by computer hacking or ransomware.
To insure the business contents and stock 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.
To cover lost income and the costs of keeping the business running following insured damage at the premises.
Cyber insurance can cover loss of income following a data breach, denial of access or cyber attack.
Handling cash or valuable stock can result in theft by employees. This insurance will cover such events.
To provide legal advice and costs of pursuing or defending certain actions such as employment, contractual or property disputes.
To cover legal defence costs and awards made against you arising from your liability at law for injury to your employees and certain self-employed workers. 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 physical or emotional harm caused during medical treatment. Following changes made to the SOR insurance scheme, it is important to get this right as self-employed sonographers are no longer included in their membership.
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 products or services supplied by you. This might include baby toys and gifts that you sell.
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 (but not products supplied).
To cover claims from third parties for damage to their systems, loss of money, business interruption, breach of copyright, penalties from regulator.
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.
Ms CP, Sonographer, Eastbourne
Ms DM, Radiographer, Clacton on Sea
Victoria Fothergill, Sonographer, Nottingham
CH, Sonographer, Basingstoke
Julia Warne, Sonographer, Cheltenham
MB, Sonographer, Ilford
