Small Office Insurance - protect your business

The right insurance cover is important to secure your business against numerous risks concerning your property, your employees and clients might face.

It is against the law for any business to operate without a employer's liability insurance, even if you have just a single employee. Apart from mandatory insurance, it is a sensible decision to take adequate insurance to avoid irreparable damage.

The different types of insurance covers available for small offices are –

Key man cover - Small businesses are to a great extent dependent on a small number of key persons. This cover cannot replace an individual, but provides financial assistance to reduce the impact.

Building and content cover - The building and its property can be protected against fire, flood, lightening, explosions of gas, escape of water from tanks, pipes and sprinkler leakage or damages incurred due to theft, vandalism, and civil disturbances.

Employers Liability - This cover protects an employee against physical injury, sickness or disease suffered in the course of employment.

Public liability - Public and product Liability insurance protects a company against financial loss that could originate if an individual of the public makes claims against your business.

Business Interruption - A fire or a flood is sufficient to completely destroy a small business. Business interruption insurance will compensate for the losses incurred.