FAQ

Frequently
Asked Questions

Common questions we are asked

If you have a query about our service or about a policy you may be interested in, you may find answers in the below list of general information we are often asked for.

If you have a question about a specific policy or would like details on a currently policy, please reach out to us for more specific information.

The specific insurance requirements for your business may vary depending on the industry, size, and specific risks associated with your operations. However, common types of business insurance can include:

Public Liability Insurance

Professional Indemnity Insurance

Workers’ Compensation Insurance

Property Insurance

Business Interruption Insurance

Product Liability Insurance

Cyber Insurance

Public Liability Insurance protects your business against claims of bodily injury or property damage caused by your business operations. It covers legal costs and compensation payments, which can be crucial in safeguarding your business from financial loss.

Professional Indemnity Insurance covers claims made against your business for professional advice or services that result in financial loss to your clients. It is essential for businesses that provide consultancy, advisory, or other professional services.

Yes, Workers’ Compensation Insurance is mandatory in most jurisdictions for businesses with employees. It covers medical expenses, lost wages, and rehabilitation costs for employees who are injured or become ill due to their work.

Property Insurance covers damage to your business premises, equipment, and inventory due to events like fire, theft, vandalism, or natural disasters. It ensures that your business can recover and continue operations after an unexpected event.

Business Interruption Insurance covers lost income and operating expenses if your business is unable to operate due to a covered event, such as a natural disaster or fire. It helps keep your business afloat during the recovery period.

Product Liability Insurance is essential if your business manufactures, distributes, or sells products. It covers claims of injury or property damage caused by defective products, protecting your business from significant financial losses

Cyber Insurance protects your business against cyber threats and data breaches. It covers costs associated with data recovery, legal fees, notification expenses, and potential fines, helping you manage and mitigate the financial impact of cyber incidents.

Determining the right amount of coverage involves assessing the specific risks your business faces, the value of your assets, and the potential financial impact of a claim. Working with an experienced insurance broker can help you tailor coverage to your business needs.

It’s recommended to review your insurance policies annually or whenever there are significant changes to your business operations, such as expansion, new services, or increased revenue. Regular reviews ensure that your coverage remains adequate and up-to-date.

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