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Business Insurance

A business is one of the most valuable investments one can possibly make in his or her lifetime. Running your own company can be rewarding but it isn’t without its risks, which is why business insurance is so important.

Those who employ others are legally obliged to take out employers’ liability insurance. Whilst most businesses are not required by law to take out business insurance, it would most certainly be an advisable decision.

What is important to realise in regards to business insurance is that the coverage usually needs to be wider in scope than a traditional personal policy. This is directly due to the many risks a business can incur during normal operations. Below are just a few of the most common types of business insurance:

Public Liability Insurance

This is one of the most fundamental areas of coverage necessary for any enterprise. This policy protects a business and its stakeholders from injuries on or about the physical confines of the company as well as any outside individuals the business may come in contact with. As most claims filed can run into enormous figures, this basic liability can potentially save a great deal of money should an incident occur.

Vehicular Business Insurance

This policy insures the business should an accident happen while a business vehicle is in use. This insurance often covers a number of vehicles intended for business purposes. In addition to basic liability, other policies such as collision or theft will tend to be inclusive.

Professional Indemnity Insurance

Such a policy helps protect professional employees and the company itself from being held entirely financially responsible should a claim of negligence be filed by an outside party. As basic liability coverage only protects against physical or bodily injury, this plan safeguards against other types of unintentional loss.

Commercial Property Insurance

As most businesses operate from one or more physical locations, this coverage provides recompense should the premises suffer physical damage. Common examples of this can be fires, floods, theft and even lightning.

These are but a few of the more common examples of the disparate policies which exist for businesses. We can help you compile a policy that best suits your individual needs. Business insurance can be complex, but we believe finding cover at a good price should be simple.

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James Smith, Manager at Cambridge Hotel
We at Livingstones Insurance work tirelessly to offer great value personal and business insurance policies. These rates coupled with excellent customer service and quick response times have helped us reach and maintain an excellent level of customer satisfaction. Whatever you require, our products are tailored to fit.
James Smith, Manager at Cambridge Hotel
We at Livingstones Insurance work tirelessly to offer great value personal and business insurance policies. These rates coupled with excellent customer service and quick response times have helped us reach and maintain an excellent level of customer satisfaction. Whatever you require, our products are tailored to fit.
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