If you run your business from an office then you will want to make sure that you have Office Insurance in place to ensure that should something untoward happen there is adequate cover in place. For instance, if you have made the huge investment decision to purchase the office premises or are responsible for insuring the premises, you will require buildings insurance to cover damage to the building and cover for the fixtures and fittings caused by the likes of fire, theft, storm and water damage as well as subsidence.
You will no doubt have various pieces of expensive equipment including the likes of computers, photocopier, fax machine, tables and chairs that you will wish to insure should they be damaged or stolen. These can be insured within an Office Insurance policy under the contents section.
If you employ anyone, whether on a full and/or part time basis, you will require Employers' Liability Insurance. This is a legal requirement and provides your business with cover should one of your employees be injured or killed whilst at work and they or their representative sue you for what could be a significant sum.
Whilst not a legal requirement, Public Liability Insurance would provide the business with cover should a customer be injured or have their property damaged by you or a member of your staff either at your business premises or, for instance, at their home if you were visiting them their on business.
You may also wish to seriously consider Business Interruption Insurance. Should, for example, your office be badly damaged in a fire resulting in you not being able to run your business for quite some time this type of cover is designed to provide financial support to cover the income your business looses.
If you operate your business from home, as an increasing number of people are doing, you may wish to consider Home Office Insurance.
Here at Shop Insurance Direct we can assist you in obtaining a competitive Home Office Insurance quote without any obligation.