How to set up and run a small business
General Business Insurance
Professional Indemnity
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Public liability insurance will cover your business if you are sued by a third party for accidental bodily injury or property damage. It will cover your company in the unfortunate event of injury or even the death of a third party.
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As a business owner, you will encounter a wide range of business insurance policies, some of which are mandatory, and others which are simply sensible to have in place.
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Of the types of insurance you may take out when running a business, Employers’ Liability Insurance is the one type of cover that is mandatory for most firms. However, there are exceptions. Is your business obliged to have EL cover in place?
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Just like driving a car, you are required to have certain insurances to run your business (third party fire and theft), and it’s advisable to have others (fully comprehensive).
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You should consider taking out public liability insurance if members of the public visit you at your place of work, or you perform work at places of work owned by third parties. It will protect you in the event that you cause an injury to a member of the public, or property belonging to another business or individual.
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Professional indemnity insurance will cover you in the event that you are the subject of a claim by a dissatisfied client for mistakes you may have made whilst providing professional services. If you have been asked to take out a PI policy, this concise guide should help explain how this type of insurance works.
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Employers Liability Insurance is one of a raft of insurances that almost all employers should take out, with very few exceptions.
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If you are a marketing or media professional, and clients rely on the advice you provide, you may benefit from taking out professional indemnity insurance cover.
A PI policy will protect you in case a client claims against you for mistakes you may have made during the course of your work.
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If you are starting up a new business, and are providing professional services to clients, you may have considered taking out Professional Indemnity Insurance cover.
This type of insurance will cover you in the event that a claim is made against you as a result of work done for a client (negligence), as well as dishonesty, loss or damage to the client’s data, defamation, and any alleged breaches of the client’s intellectual property.
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In simple terms, professional indemnity insurance will cover you in the event that a client makes a claim against you for work you have done for them.
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2.1 million businesses are run from home according to research and 60% of new businesses are started at home – that’s 1,400 a week.
And no wonder. Starting a business is hard enough; when you do it from home you immediately remove a large layer of cost and risk. You can use existing rooms, computer, electricity, phone and internet access.
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For many small business people, whether they are plumbers, electricians, builders, or designers, the thought of being the recipient of an insurance claim for injury or property damage can be stressful.
Without adequate insurance cover, costly claims could even put your business at risk.
Fortunately, not only can you take out comprehensive cover against potential claims against your business, but this cover does not need to be expensive. Most “trades” can be covered with ease – for example builders, painter/decorators, carpenters, electricians, plumbers, heating engineers, gardeners and handymen.
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Office insurance is both broad-ranging and highly specific, as paradoxical as that may sound.
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As a company director, there are certain demands placed on you – not least the requirement that you act at all times in the best interests of your company.
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Like private vehicles, business vehicles and vans must be insured, with minimum levels of cover a legal requirement.
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If your new business venture is a shop, pub or restaurant, there are a number of unique risks you will need to insure against.
Unlike an internet-based business or one run from an office, you will have greater contact with the public. And in the legally-aware society we live in, that exposes your business to a greater risk of being sued!
Before you sign the lease on your first premises, use this complete Bytestart guide to the different kinds of shop insurance you may need.
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If you are running a small business, chances are you will need to take our some kind of business insurance cover, whether it’s a mandatory requirement, or purely to provide peace of mind.
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Professional Indemnity Insurance will cover you if you provide specialist advice and services to clients, and face a claim for negligence or a careless act.
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Contractors and Freelancers provide professional advice and services to a wide variety of clients and as such they may well be liable for any mistakes or errors they may make in the course of their duties. As a result, many contractors take out insurance cover just in case something goes wrong. In some cases, clients will insist that a contractor is covered by a professional indemnity policy before hiring.
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Whether you are a sole trader, director of a limited company or set-up as a partnership it is unlikely that you have any sick pay entitlement. For smaller businesses it is also very unlikely that any company paid group income protection scheme is in place.
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