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things you must consider before
insuring your business

 

 

Who needs Business Insurance?

Almost all businesses should have some form of insurance. Any business that owns computers, vehicles, office furniture etc should consider taking insurance to ensure that these items are protected against theft or damage. Even businesses who provide services as opposed to products should have insurance as they can potentially damage third party property. Companies offering advice or consultation can often make errors, resulting in losses for their clients, which should be insured against.

Why should you take out Business Insurance?

We live in a country rife with crime, changing weather conditions & less robust equipment. Add to this the growing tendancy to be held accountable for damages your business may cause to third parties, and the need for insurance becomes obvious. Insurance costs a fraction of the price of replacing your assets if these are damaged or stolen, or reimbursing losses you caused. Taking out business insurance is a frugal way to ensure that your business will survive through all the trials & tribulations it will face.

How much does Business Insurance cost?

We have a large book of clients with many different insurance companies, thus we will be able to find the most beneficial policy with the cheapest premiums for your business.

Typical claims incurred on Business Insurance policies

The most common claims on business insurance policies involve car accidents, theft of cars & burglaries into the business. The most expensive claims tend to be caused by fires, trapped water, lightning damage, & violent storms. These can potentially flatten a business in an instant, but the most expensive element of these claims is the profit that is lost whilst the damage is being repaired. We also receive Stated Benefits Insurance for damaged or stolen laptops, computers, cell phones, tools, stock, machinery, glass and so forth.

What other insurance should be considered along with Business Insurance?

If your business provides advice, designs or consultation services or if your work involves lots of calculations or stringent procedures, professional indemnity insurance should be considered. IT Insurance (Laptop Insurance) should be considere. Any company offering maintenance, installation, or constrution type services should be insured for Contractors All Risks.

GET A QUOTATION:

Click here to send us an e-mail requesting a quote -> insurance@barrington.co.za

We will e-mail you a quotation as soon as possible.

Contact details will be kept confidential & will not be used in any way other than as described above & will not be shared with any other parties.

Please note that we can only insure in South Africa.

 

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