Business Insurance

What will business insurance cover?

  • motor: cover for your business vehicles against damage, loss or theft
  • buildings combined: covers the structure of your business’s buildings due to loss or damage
  • fire: damage by fire to your buildings, machinery, tools, equipment, fixtures and fittings, stock and materials, and miscellaneous items
  • office contents: covers your office furniture that you keep inside of your business premises
  • business interruption: cover for business interruption due to loss or damage to your business property
  • accounts receivable: compensation if you cannot trace amounts owed to you because your financial records were lost or destroyed
  • electronic equipment: licensed software used for business purposes
  • theft: cover against theft of your business goods
  • money: cover against loss or damage to your cash, cheques, and your safe
  • glass: covers the fixed glass at your business premises
  • fidelity guarantee: covers you against losses due to fraud by employees
  • goods in transit: cover for business goods when they are being transported
  • accidental damage: unique cover for your business goods against accidental loss or damage
  • public liability: cover if you are responsible for injuries or death of a third party, or damage to their property, except when this relates to a vehicle accident
  • employers liability: employee, except in the event of a vehicle accident
  • group personal accident: cover for insured owners and shareholders for death, disablement and medical expenses after an accident
  • all risks: cover for business items that are regularly taken away from your business premises

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