Lots of businesses require machinery to get the job done.  If anything happened to yours, could your business function?  Business machinery cover assists you with the cost of repair or replacement of machinery, meaning you can reduce downtime and get back to work sooner.

Did you know that your fixtures and fittings aren’t included under most contents policies? So, if you have a shop full of shelves or an office full of desks – both of which would be costly to replace – ensure that you have fixtures and fittings as part of your insurance protection. This could save you from hefty bills in the event of a fire, flood, or other disasters that could ruin these.

As the business’s leaders, senior figures can be personally liable for a business’s actions and face hefty financial losses should legal action go against them. Directors’ and officers’ insurance – or D&O insurance as it’s also known – protects your senior members from the costs of legal action, allowing them to focus on their jobs

If you deliver goods to your customers, then goods in transit insurance is a good policy element to have in place.  This will protect the stock you are travelling with from theft, loss, or damage while you, or your drivers and their deliveries, are on the road

This will protect you should someone be involved in an accident at work.  It will pay out in the event of death, bodily injury, or disablement.  The compensation provided can pay for temporary staff or cover the overtime cost for other team members

If something catastrophic happened to your business – such as a fire or flood – and your premises is forced to close for a while, could you cope? With no money coming in and bills needing to paying, would you be able to keep putting food on your table while not doing so for your customers? Business interruption cover provides you with an income while your business is out of action, providing much-needed peace of mind in a time of stress

Do you own the building in which your business operates?  If so, you’ll need commercial buildings insurance to protect your bricks and mortar. Buildings insurance protects you from the cost of repairing or rebuilding your building if it’s damaged by risks such as floods, fires, vandalism, or explosion.

If you run a shop, pub or restaurant, distributor, or manufacturing plant, you’ll want stock cover to protect your goods – particularly if your stock is expensive items like technology, art, or alcohol or is frozen meat, fresh veg, or anything in between.  Stock cover assists with the costs of replacing or repairing your inventory if it’s damaged, lost, or stolen. Stock cover protects your supplies in the event of storm damage, flood, fire, or theft—a crucial policy element given how expensive your stock can be

Did you know that if the products you use, recommend, or sell cause problems, you can be liable for damages? Products are central to your business, and if something goes wrong, you can be liable for claims and compensation.  Should this happen to you, product liability insurance covers the costs of any compensation you are made to pay, together with the legal fees

This is a legal requirement if you employ people. It provides cover in the event of your employee injuring themselves or if their property is damaged while at work. The law says that if you employ at least one person, you must have employers’ liability insurance (sometimes called ‘E.L. insurance’) to protect your employees in case they are injured or become ill as a result of working for you. Your policy must:

• Cover you for at least £5 million
• Be with an authorised insurer
• And employers must provide a safe working environment

Provides cover should a member of the public injure themselves or if their property is damaged while you are working.  It covers the cost of claims made by members of the public for incidents that occur in connection to your business’s activities, for example if they slip on the floor and decide to sue you, you’ll be covered.