Knowing the correct Shop and Office Insurance cover for your small to medium sized business can be complex, thankfully East Yorkshire Insurance Brokers based in Hull are here to help.
Whether you own a office, retail premises or another
similar trade you are liable for any damage caused at your premises or through the product you sell.
You may also employ staff and this means you will require employers’ liability.
Typically cover will include a minimum of £2 million public liability insurance and as a small business owner you are responsible for any third-party property or injury that you may cause. If you have staff, you will also need employers’ liability to cover injury or sickness to staff. A standard employers’ liability policy will provide an indemnity level of £10 million.
Cover can also extend to include stock, general contents, business interruption, loss of license and legal expenses.
Office based businesses may require increased cost of working instead of your standard business interruption cover.
If you haven’t already go check out this blog our MD wrote about small businesses and using a broker for insurance.
East Yorkshire Insurance Brokers are here to guide you through the process and the applicable public liability insurance and other covers for your retail or office premises. You may be concerned about an injury to a member of staff or if your products liability insurance will cover injury or illness caused by the sale of your product. These covers are normally included under a standard Shop/Office insurance policy alongside other optional covers including stock, general contents, business interruption, loss of license and legal expenses.
When arranging your small business insurance, we’ll guide you through the process and ensure you have the correct insurance covers in place.
Setting up a new business? Read this guide made by our friends over at Croner.
With over 10 years of experience, East Yorkshire Insurance Brokers an appointed representative of Ten Insurance Services are your local independent expert for all your business Insurance requirements. Based in Hull, East Yorkshire Insurance Brokers believes in offering a friendly and personal service for a wide range of commercial insurance products for small to medium-sized businesses.
We strongly believe in our 5 key values:
Whether you’re looking for landlord insurance, shop insurance, contractors’ insurance, fleet insurance or professional indemnity insurance we believe in giving you confidence in your insurance cover by using our experience and knowledge to build long-lasting relationships.