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Start Up Business Insurance

Whatever area and profession you have chosen, if you are now thinking of starting your own business, there are perhaps many areas you need to consider for your own protection.
To list a few:

• Professional Indemnity Insurance
• Public Liability Insurance
• Employers Liability Insurance
• Product Liability
• Office Cover
• Income Protection
• Life Cover

We can arrange for quotations on all of the above, however, like any start up business you have to consider costs so if you would like to chat over a few of these points over e-mail or by phone, please feel free to do so.

Insurances when starting your own business

What insurances do you need to consider when starting your own business? This clearly depends on what your business activity is involved with as the insurances received could be somewhat different so we have selected a few fictitious businesses to illustrate the different possibilities and requirements, this of course is only a guide and you should always seek separate advice from your insurance brokers if in doubt.

Example 1
Tradesman such as electrician, builder, carpenter, window fitter.

You need to consider the following insurances:

• Public Liability Insurance
• Employers Liability Insurance (possibly)
• Contractors All Risk
• Tools Cover
• Office Contents (including all risk covers such as laptops & mobiles)
• Life Cover
• Personal Accidents & Sickness
• Pensions Arrangements
• Van Insurance
• Buildings Insurance

Clearly the list can go on, however, these are the most common areas of covers that are purchased.

A start up business could consider a shorter list of essential insurances and add new insurance covers as the business develops. For instance the important protections such as public liability and employers liability Insurance and life cover may be first on your list, closely followed by tools cover, contractors all risk insurances and personal accident insurance.

More information: Tradesman Insurance

Example 2
Professional risks such as accountant, solicitor, IT consultant, broker.

You will need to consider the following areas when starting your business:

• Professional Indemnity Insurance
• Public Liability Insurance
• Employers Liability Insurance (possibly)
• Office Contents & Buildings Insurances
• Laptops, mobiles, blackberries etc
• Directors and Officers Insurance
• Life Cover
• Pension Arrangements

For instant quotes on some of the above insurances click here where you can choose from a large selection of leading insurers at very, very competitive prices.