Whether you are a self employed tradesman or have a team working for you, it is vital to have the right kind of insurance in place. No two trades are the same, so your insurance will be individual to you. Your income is dependent upon the work you, and your staff if you have any, carry out, so it is important to ensure you always have the correct equipment in working order. Key points when considering the elements of your policy would be, do you have office premises? Do clients visit your premises? Do you own or lease the premises?
We would suggest the following insurances as being key to retailers, and you should consider these as elements of your policy;
Public Liability Insurance
Employers Liability Insurance
Business Buildings & Contents Insurance
Goods in Transit
Tools & Equipment Insurance
Personal Accident & Sickness