Business Insurance

As a business owner you know that operating a business comes with a lot of risk. Risk to your properties and assets, risk to your public liability, and risks for your employees. You need to find business insurance coverage to help you reduce these risks.

This section of the site is broken into two sections to help you find the best insurance for your business, and give you lots of tips and advice about which insurance coverage you and your business needs. This section deals with general business insurnace needs, and the small business insurance section looks at the issues that affect small business in particular.
As an employer, you are serving two masters: your personal interest and that of your employees. As you aim for gain, you also consider those people who make it happen. They are your most important resource!

That is why you need to consider a range of business insurance coverage that will cover most, if not all, of the potential risks in your business. This will guarantee continuity of your business, even in the face of a major business challenge.

There are many different kinds of business insurance coverage you can choose from, depending on the nature of your business and its size, including your priorities, the welfare of your “key men” and the salaries of your employees.

You should consider some or all of the following when acquiring insurance for your business:

• Property Insurance covers damage to your business property.
• Liability Insurance covers your company automobiles, among other damages incurred against your property, in the course of your business.
• Products Liability Insurance guarantees that in the event your products damage your customer’s property, or prejudiced his safety, the customer can be compensated for it.
• Vehicle Insurance covers for any liability incurred by a company vehicle against another person or property, while this is being used for a company purpose.
• Business Interruption Insurance indemnifies you for loss (including unrealised profits) due to business interruptions caused by fire, calamities or by other events.
• Key Man Life Insurance covers the loss of life of your key personnel.
• Director’s & Officer’s Liability Insurance covers for any expense or loss incurred during the exercise of functions on behalf of company’s officers and its directors.

Browse the topics on the right to learn all you need to know about insurance cover for your business.