Commercial Insurance

If you are in business you will need insurance; without it your livelihood is at risk. An unexpected loss could cause financial hardship and destroy years of hard work and by law, some types of insurance are compulsory.

What types of insurance should I consider for a business? For businesses there are three main areas where you need to consider the insurance requirements of your business:

Insurances that protect against loss or damage caused to your business’ property or trade by adverse events. Specific areas of insurance in this group may include cover for:

  • Property – buildings and contents
  • Engineering Failure
  • Theft
  • Money
  • Goods in Transit
  • Business Interruption
  • Trade Credit Insurance
  • Motor Vehicles
  • Legal Expenses
  • And a variety of other risks
  • Full Product List


Insurances that cover your business’s legal liabilities in the event of some aspect of your business causing damage or harm to a third party or their property. Employers’ Liability insurance is compulsory by law, but other areas of liability that you may need to consider insurance cover for include:

  • Public and Product Liability
  • Motor Vehicle Liability


Insurances that protect both you and your employees against the consequences of serious illness, injury or death, and the effects these events could have on your employees, on their families, and on your business. Areas of insurance you might consider are -

  • Personal Accident and Sickness Insurance
  • Private Medical Insurance

THE PLAN WILL HAVE NO CASH IN VALUE AT ANY TIME AND WILL CEASE AT THE END OF THE TERM. IF PREMIUMS ARE NOT MAINTAINED, THEN COVER WILL LAPSE.

 

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