Why do I need insurance?

The correct insurance will minimise disruption and cost to you and your business should disaster strike: damage to equipment, data or records, theft, injury to staff or clients, prosecutions, tribunals, errors or omissions, for example. You may find insurance is also a requirement of your contracts or regulatory body.

Would I need a bespoke package of insurance?

There are some instances where a more bespoke approach is needed. For example, if you are an accountant or solicitor, then you are particularly exposed due to the advisory role you take in clients’ lives. Similarly, if you are a consultant who works from home, a recruitment consultant, or are a hairdresser or beauty consultant, for example, then there are different types of insurance you should be considering. Additionally, if you are responsible for your office, then you also need to take a look at what kind of insurance your office and its contents require.

What sort of insurance would be part of a basic policy for a small business working from an office?

Public liability
Products liability
Employer's liability
Professional indemnity
Contents
Business interruption

What else might I need?

Sutcliffe & Co will not just provide an ‘off the shelf’ package, but get to know your needs in order to provide the cover that your business requires. We may recommend additional covers, such as:

We understand that all businesses are different and can advise you on what you do, and do not, need
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Business Travel insurance
Cyber insurance
Personal guarantee insurance