Protecting the business.
WHAT MIGHT BE RELEVANT
Property and contents Public liability Professional indemnity Goods in transit Business interruption Motor, for business vehicles
WHAT TO ESTABLISH
What is available in your market What your activity actually requires What is required by customers or landlords
THAT LAST POINT
Larger customers frequently require evidence of cover before engaging you.
Establish it before you need to produce it.
WHAT INSURANCE DOES NOT DO
Prevent the event Restore reputation Substitute for prevention
WHAT TO READ
The exclusions.
Most disputes concern them.
WHAT TO INSURE
What you could not absorb yourself.
Accept smaller risks.
WHERE TO GET ADVICE
A broker familiar with your sector.
WHAT TO REVIEW
Annually, and when the business changes.
WHAT TO KEEP
Policy documents, accessible.
