Insurance Cover for Small Businesses.


  • What items from my business should I include under my insurance?

  • What types of risks would normally be covered by a commercial property insurance policy?

  • How do I calculate the sum insured?

  • How can I cover the profit of my business?

  • What would be my position if a third party is injured or his/her property damaged following an accident caused through my business?

  • What cover is available for my employees?

  • Would “cash and cheques” be covered along with my contents?

  • Will my stock be covered if it is damages whilst in transit in one of my vehicles?

  • How can I cover any stock against deterioration should my refrigeration equipment be damaged?

  • Is there additional cover for machinery?

  • Is there a more specific cover if I want to cover glass separately (from the standard buildings cover)?

  • How can I cover computers, printers and other electronic equipment found in my business?

  • Do the policies mentioned above need to be taken all or is there a policy which includes everything in one document?

  • Are there other policies particular to my business?