General Business Insurance

Getting You And Your Business Covered

Why You Need a General Business Insurance

You need business insurance to protect you and your business against any claims which may be brought about by allegations of any negligence or unreasonable care.

You might think that you won't need any insurance as you will be 'super careful' not to be negligent, but you just never know so you really must get some type of insurance policy to protect you.

For example, if you plan to have any employees, even if you only have one, then it is actually the law to get an employers liability insurance taken out.

To be honest, there is not one 'general' business insurance that covers everything for the small business owner.

It depends on your type of business and your circumstances as to what type of insurance you need to take out.

For a list of small business insurances, see the home based business insurance page.

If you're unsure as to what type of policies you need, it's best to ring an insurance broker who specialise in business insurance and discuss your needs with them.

I would say at this point though that no matter what type of business you run you should get an insurance policy to cover any stock and your office equipment (computer, documents disks etc.).

If you run a business from home, then don't automatically think that these items are covered under your general home insurance.  They are probably not.  You need adequate and additional insurance when operating a small business from home.

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