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Business Insurance - make sure you're covered

If any business owner reading this doesn’t believe they should check and ensure their cover is adequate and wait until they make a major claim then they will join the 7 out of 10 who are forced to close down within 2 years of making the claim.

Perhaps the saddest fact of all though, is that the vast majority of these business failures could have been avoided. They should have remained in business.

You see, all too many companies buy, or rather are sold, insurance cover that in the event of a serious claim proves to be inadequate for their needs. The ability of the business to survive is then severely put to the test.

The reason this happens is simple - All too often businesses judge their cover on the wrong factors, they decide purely on cost rather than value. It is all too tempting to accept the perceived low cost option rather than protecting themselves by ensuring their programme delivers true survival capability. Unfortunately the difference is not apparent to most businesses … Until there is a need to make a claim!

The most popular business insurances among SMEs are:

• Public liability (80%)
• Office contents and computers (66%)
• Employers’ liability (66%)
• Professional indemnity (59%)
• Buildings (58%)
• Car, Van & Truck Insurance (52%)
• Portable equipment (49%)
• Legal expenses (46%)
• Business interruption/loss of income (44%)
• Consequential loss (30%)
• Health (28%)
• Product liability (25%)
• Travel (22%)
• EPLI (18%)
• D&O (15%)

We can arrange Insurance for:

• Home Building & Contents
• Self Build
• Property Owners (Buy To Let)
• Holiday Home
• Shop Insurance
• Fast Food Takeaway Shops
• Business Combined
• Pubs & Restaurants
• Bed & Breakfast
• Hotels & Guest House’s
• Care Homes
• Tradesman
• Liability
• Directors & Officers
• Personal Indemnity
• Contractors

Thoroughness and detail
With our agency with AHS we will provide you with a professional service backed up by attention to details at the outset of your policy to making any claim during its term. Finance can be arranged for most policies normal taken over 10 months. For details of AHS terms & conditions or get a quote please contact us.

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