1. Most employers are required to have employers' liability insurance, which provides cover in the event of employee injury. For more information visit the government website.
2. Public Liability cover: If you or your business injures someone or causes damage or destruction to their property, then Public Liability insurance can cover your costs from a claim.
3. Buildings & Contents cover: Buildings insurance covers the cost of repairing or rebuilding your business premises if its damaged or destroyed by an unexpected event such as fire or flooding. Contents insurance covers the cost of replacing your business’ contents and stock up to the insured amount if they are damaged or stolen. This can help your hotel, B&B or guesthouse to stay operational.
4. Business interruption cover: This provides cover for loss of gross profit during the indemnity period following an insured incident such as a storm, explosion or fire.
5. Product Liability cover: This can cover the cost of compensation and your legal costs and expenses where you receive a claim for personal injury or property damage caused by the products you have sold.
