Mitigate Your Risks Through Insurance

What Insurance Policies Do I Need?

Office and/or professional indemnity insurance quote

• Professional indemnity - covers you against a legal claim made by a client for allegedly providing bad or incorrect advice.
• Office - contents and computers: covers office equipment.
• Property - covers cost of damage to your premises.
• Employers' liability - covers your duties of health and safety towards employees. If an employee is injured on the way to work or in the workplace, or even has a breakdown, you're covered.
• Public liability - covers the welfare of your clients and the general public as well as the consequences of any damage caused to any third party or property by any product or service you provide. A client falling and injuring themselves while visiting your offices would be covered, for example.
• Business interruption - covers damage to your business due to a fire, flood or any other covered loss/damage which interrupts your business, along with any reasonable additional expenses incurred in enabling you to continue or return to trading.
• Portable equipment - covers equipment used for business purposes outside of the office, for example work mobile phone or lap top.
• Legal expenses - covers any prosecution or defence costs a business in litigation may face.

Top tips to approaching your insurance requirements

• Get risk management and insurance on to the boardroom agenda.
• Challenge your broker or your insurance company to find the best policy for you, but be aware "best" does not always mean "cheapest".
• Make sure that you purchase a policy that is tailored to your specific business needs; every insurance policy should be as individual as the company.
• Make sure that you have a policy that is flexible enough to allow you to change it as your risks change.
• Always read the small print.
• Look out for 'extras'. Some insurers will include online advice on matters such as HR issues.
• Understand the track record and experience of your Underwriter (not broker) in insuring businesses like yours.

Get a quote and buy online in minutes for office and/or professional indemnity insurance