• Pubs
• Restaurants
• Salons
• Shops
• Takeaways
• Tradesmen
• Bakers
• Surgeons
• Small Fleets
Small businesses need insurance to protect themselves from unforeseen risks and liabilities. It provides financial security, covers legal expenses, and helps in business continuity during challenging times.
Public Liability Insurance covers the cost of claims made by third parties for injury or property damage caused by your business activities. While it's not legally required, it is highly recommended as it safeguards your business against potential legal and financial consequences.
Yes, in the UK, Employers' Liability Insurance is a legal requirement for businesses that employ staff, even if they are on a temporary or part-time contract. It covers compensation claims if an employee is injured or becomes ill due to work-related activities.
Professional Indemnity Insurance protects businesses that provide professional advice or services against claims of negligence or mistakes. Whilst not mandatory, it is crucial for businesses offering professional services to mitigate the financial impact of legal claims.
The coverage for Property Insurance should reflect the value of your business assets, including buildings, contents, and stock. It's advisable to conduct a thorough assessment of your property and consult with our insurance brokers in Bolton to determine the appropriate coverage amount for your commercial combined insurance options.
Business Interruption Insurance provides coverage for lost income and additional expenses if your business is temporarily unable to operate due to a covered event, such as a fire or natural disaster. It is recommended for small businesses to ensure financial stability during downtime.
Yes, Cyber Insurance is crucial for small businesses, especially those handling sensitive customer data. It provides protection against cyber threats, including data breaches, ransomware attacks, and legal liabilities arising from privacy breaches.
To discover why we are the best choice for your insurance brokerage needs, consider our experience, expertise in small business insurance, client testimonials, and the range of insurers we work with. It's essential to choose a broker who understands your business needs and tailors coverage accordingly, something our expert insurance brokers for business are dedicated to fulfilling.
Yes, bundling insurance policies from the same provider can often lead to cost savings. Consult with us to explore package deals that meet your specific business requirements while optimising costs.
Cafe, pub, and bar owners should consider Public Liability Insurance to cover customer injuries on the premises. This insurance covers potential food-related issues, whilst Business Interruption Insurance safeguards against unexpected closures, such as fire or water damage.
Craft workshop owners should look into Product Liability Insurance to cover potential injuries caused by their products. Additionally, they may benefit from Property Insurance to protect valuable equipment and materials, as well as Business Interruption Insurance to address disruptions in operations.
While not mandatory, Cyber Insurance is advisable for small craft workshops and leisure studios that store customer data online. It helps protect against potential cyber threats, such as data breaches, which could result in legal and financial repercussions.
Hairdressers or barbers should consider Public Liability Insurance to cover accidents in the salon, Employer Liability Insurance for staff injuries, and Business Interruption Insurance to mitigate financial losses during unexpected closures, such as fire or flood.
Professional Indemnity Insurance is essential for hairdressers or barbers. It provides coverage in case of claims arising from errors or negligence in providing haircare services. It protects against potential legal and compensation costs associated with dissatisfied clients.
Business Interruption Insurance for a craft workshop covers lost income and additional expenses during periods of closure due to covered events, such as fire or flood. It ensures financial stability by compensating for the income that the business would have generated during the downtime.