When you own a business, the most obvious things you need to insure are your buildings, plant and stock. But is your business also protected from loss of profits resulting from business interruptions, and all the liabilities faced on a day to day basis?
Covers buildings, plant, equipment and stock (includes milk, irrigation, hay, straw, wool, deer velvet and the like) for accidental and sudden loss or damage.
Contents insurance covers risk from loss or damage to your personal property (articles you own other than land and buildings). Even the smallest home can contain property worth thousands of dollars.
By paying insurance premiums, and satisfying the other requirements of your insurance company, you can protect yourself in the event of loss due to unforeseen and/or catastrophic events.
Owning a car involves several risks. When a car accident occurs, people may be injured and vehicles (or other property) may be damaged. Damage can also occur through theft, vandalism, or natural disasters. Motor vehicle insurance can protect you against these risks.
Vision Insurance realised that Bed and Breakfasts fell into a grey area when it comes to insurance. Standard domestic-style policies often fall short of providing adequate cover, yet a full commercial policy may be overly expensive.