If there’s a burglary, fire or natural disaster and your place of business is damaged, you’ll need your important business equipment and stock repaired or replaced quickly. Last year around 20% of claims made by small business owners were to replace business assets damaged by fire, flood, or storms.
No matter how carefully you operate your business, accidents and mistakes can happen. Having liability cover will ensure you’re covered for costs.
Should something happen to your place of retail, Business Interruption will cover loss of earnings and extra expenses to keep your business running during this time. We helped over 370 small businesses last year with costs when their business was interrupted by asset damage.
If you're a café/restaurant or food retailer, our Stock Deterioration cover will ensure your refrigeration goods are covered if your fridge or freezer breaks down. Our Machinery Breakdown cover will ensure your refigerator is up and running again in case it breaks down.
Use our handy checklists to help.
Alarms can protect your assets after hours and make things safer for your staff. They’re a great vandal-deterrant and also ensure a rapid response if triggered.
Secure your safe
If you store valuable items in a safe, choose a quality, leading-brand safe that meets CEN European standards and has UL Rated locks. Attach it with bolts to the building.
Deep fryer safety
If you’re in the hospitality business, be sure to skim all scraps from the deep fryer on a regular basis and keep them in a closed metal container as they can be prone to spontaneous combustion for several days.
Automatic fire sprinklers are the best protection against the risk of fire and will help you reduce damage to assets or stock.
If you’re using your personal vehicle to transport stock or food for business purposes, you’ll need to get Business Vehicle Insurance