Do you need a commercial insurance broker? Take our quiz!

*If you’re not sure, you should know the following:
- What your Sums Insured is
- What excess amount your business could payout without financial repercussions
- How long your business could survive without trading
- How you’d defend and negotiate a claim against your business

There are many different types of commercial insurance cover to consider: Employers’ Liability, Public Liability, Professional Indemnity, Equipment cover, Buildings and Contents, Directors’ and Officers’, Business Interruption and many more. If you aren’t sure what one or more of these covers entails, then you could benefit from having an expert insurance broker on your side.

As a business owner or manager, you should consider working with a specialist commercial insurance broker. They’ll be able to advise what cover you need and will work with insurers directly to get you the best price. It’s far better to do this than try to personally arrange each different type of insurance separately yourself.

If you already have commercial insurance arranged, then you should be familiar with the type of insurance cover you need. Having said that, you should never be complacent. You should always take your annual renewal as an opportunity to review your policy. For a completely confidential conversation about your insurance cover, get in touch.

Though you may not need a great deal of additional business insurance cover, you will need expert advice to make sure you’re protected should the worst happen. For example, does your existing home insurance cover your business equipment? And does your motor insurance policy cover you for business use? If you have clients visiting your home, you’ll need to consider insurance for this too. A specialist commercial insurance cover will discuss every eventuality with you, such as Key Person Insurance, Directors’ and Officers’ Liability Insurance and Business Interruption.