Business (Commercial) Insurance

Material Damage

Covers loss of, or damage to, your buildings, stock, contents and other chattels.

Business Interruption (Loss of Profits)

Replaces lost income in the event of a material damage claim which prevents your practice from operating.

Liability

Cover to provide compensation and/or the legal costs should your business be sued by a third party: such as the public, employees, regulatory bodies.

• Public Liability
• Employers Liability
• Statutory Liability
• Legal Expenses

Partnership Insurance and Shareholder Insurance

If a business owner is in business with other partners or shareholders they will have a written agreement in place which sets out the details of the business arrangement. One of those details will likely cover what is to happen in the event of death or disablement of one of the owners. While the buy / sell agreement will set out the agreed arrangements and pricing for the sale and purchase of the business to the remaining shareholders or partners, having insurance in place can ensure the funding is available.