Landlord Insurance Bristol

Overview

Any business faces unpredictable threats and risks on a daily basis. A fire, robbery or employee injury may destroy everything your company stands for. To protect yourself from the unforeseen and make sure your business survives, you should purchase the right business insurance. For a monthly premium your policy will ensure you are protected from a range of pre-specified risks. Because every business is different insurances come in different forms with different levels of cover.

To help you determine which policy is best for you, we have partnered with specialist insurance brokers. Working with a broker simplifies the complex task of protecting the assets of your company and the liabilities it may face. Our specialist insurance broker will help you find competitive quotes for the coverage you need from leading insurance companies like Royal and Sun Alliance, Norwich Union, Groupama, Fortis, Axa, Hiscox, and Denhams.

How it Works

You will need a number of insurances to cover all of your assets from possible loss or damage and to protect you from any potential liability. Researching and purchasing each insurance separately is expensive and time consuming. An alternative to this is to buy a packaged insurance policy. A packaged policy is a product that offers the most common insurances required to run your business bundled together in one offering and the flexibility to adjust the coverage to meet your specific needs. Packaged policies offer a number of benefits. You know the cover will be comprehensive enough to cover the main risks affecting your business whilst avoiding duplication and overlap of cover. It is also easier to manage as you have a single set of documents, one point of contact and one renewal date. Packages are often less expensive as insurers will offer a better total premium when they are providing all your cover.

The following insurances are common, highly practical and in some cases a legal requirement.

• Employers liability insurance If you employ anyone outside your immediate family, you are required by law to purchase employer's liability insurance. This insurance offers you protection for any liability arising from injury or illness sustained by employees while they are working for you.
• Motor insurance If you use a motor vehicle for your business, you have to insure at a minimum against third party liability by law. You should also strongly consider extending your protection to cover your motor vehicle from collision and theft.
• Public liability This will protect you from any liabilities from a Third Party (other than your employees) bodily injury or damage to their property that may occur during the normal operation of your business.
• Products liability This will protect you from any liabilities from a Third Party bodily injury (other than your employees) or damage to their property that may occur from products you sold or supplied.
• Material damage insurance The...