As a business person you probably spend most of your time in your business premises, so getting comprehensive Insurance cover to protect your business is essential.

Who is it for?

• Distribution
• Manufacturers
• Wholesale
• Warehouse

Things to watch out for

• Adequate cover - whether you are covering your contents, your stock or any money stored on the premises it is essential that you calculate the right amount of cover to purchase. Purchase too little, and should you lose everything, the insurer will only pay the amount that you have covered.

• Exclusions - Always read the policy documents carefully to check the extent of the cover. For example, the most common exclusion is that you are not covered for theft if you do not take the required security precautions.

• Optional Covers - Some insurers will include some extra cover in the standard policy. Others allow you to choose exactly what cover you require and charge accordingly. Ensure you are not paying for something you don't require.

• Security precautions - Most insurers will state that you need to comply with their minimum security precautions. This normally involves things like having a certain type of alarm, specific locks on external doors etc. If you are not complying with the specified precautions then you may invalidate your policy.

• Material changes - If you take on any extra employees, or increase the amount of stock you store on the premises, you should inform your insurer instantly, as they may charge an additional premium. Conversely, should you reduce the size of your business the insurer may be prepared to re-quote you at a cheaper price.

CLICK HERE TO SEE A LIST OF ACCEPTABLE TRADES

The easy way to arrange your insurance with us:

or

Call us on FREEPHONE 0800 980 1795