What generally exists.
PROPERTY AND CONTENTS
Damage to premises, equipment and stock.
PUBLIC LIABILITY
Claims arising from injury or damage to third parties.
PROFESSIONAL INDEMNITY
Claims arising from professional advice or services causing loss.
Relevant to consultants, designers, developers and advisers.
GOODS IN TRANSIT
Stock damaged or lost while being moved.
BUSINESS INTERRUPTION
Loss of income when you cannot trade.
MOTOR
Vehicles used for business.
EMPLOYER-RELATED COVER
Where you employ people, specific cover may be required.
CYBER AND DATA
Costs arising from a security incident or data loss.
WHAT VARIES
Availability, terms, exclusions and cost differ by provider and by market.
WHAT TO ESTABLISH
Which are relevant to your activity Which are required, by law or by customers What each actually covers
WHO CAN TELL YOU
A broker familiar with your sector.
