Practice insurance you can trust
You need to be aware of what should be insured:-
Buildings and/or tenants improvements – if you own the building or have a responsibility for insuring the building stated on your lease.
Contents – fixtures and fittings, displays and all furniture and equipment.
Employer’s Liability – a legal requirement if you employ staff.
Public Liability – in case someone injures themselves on your premises.
Products Liability – if you produce anything.
Shop Front – including windows and blinds.
Goods in Transit – if you collect and/or deliver.
Vehicle – a legal requirement if used on a public road.
Fidelity – if your staff are placed in a position where they handle money or items belonging to someone else.
Use of Drugs – treatment risk and/or surgery
Legal Expenses – in case you are involved in an incident that requires legal advice or court action.
The exact nature of the covers required will depend on the type of services that you offer.