There are Commercial Combined Policies for most enterprises.
Covers typically include:
- Employers' Liability - if your business employs any staff, including part-time staff, trainees or sub-contractors you are required to have this cover by law. If you are a Limited company you must have Employers' Liability insurance even if you are the sole employee.
- Public and Products Liability - when your business involves contact with the general public there is a risk that a claim may be made against you.
- Property damage - protect your premises, fixtures, equipment and stock against loss, destruction or damage.
- Business Interruption - cover against loss of profit should you be unable to trade following loss or damage to your property.