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Business Insurance – The Importance of Ensuring Your Business is Covered

The business world is just as likely to require insurance as the private realm and this is why those in business realise how critical it is to have business insurance that will cover them for a variety of circumstances.

Business insurance is crucial regardless of the size, age or intention of your business and all major incorporations around the world make sure that their business practices are covered in the form of a comprehensive business insurance policy. The first thing that a business should do when it comes to determining what level of business insurance that they require is to carry out a form of risk assessment to predict the likelihood of certain circumstances affecting their day to day business and also the effective long term business practices that they may have. Business insurance tends to come in many guises and offers a variety of different methods of cover which will be largely dependent on the size of the workforce, type of building etc. Generally speaking, however, there are various core aspects of business insurance that all companies should consider when it comes to ensuring that their company is protected in the event of unexpected circumstances.

Business Insurance – Looking at the Most Important Types of Coverage

Obviously, choosing the type of business insurance that is right for your company will depend on the extent of coverage that you require and various other factors that have a bearing on the type of business insurance that is most applicable. Generally speaking, however, there are a number of aspects of business insurance that are a good idea to consider, which includes:

  • Liability Insurance – Arguably, liability insurance is the most important aspect of business insurance for any company to consider. Generally speaking, liability insurance will cover damage to property or injury to another person for which your company is held responsible. A rudimentary example of this aspect of business insurance is a coffee shop customer who burns themselves and then goes on to claim that the coffee they were served was too hot.
  • Business Income Insurance – Many providers of business insurance policies will provide a service known as business income insurance with their policies. Essentially, what business income insurance provides is an assurance that you will get paid if your income is impacted upon by damage to business property that temporarily ceases your trading capabilities.
  • Product Liability Insurance – For those businesses that provide goods or services that could potentially cause harm to their customers, this aspect of business insurance is generally a good idea. This aspect of business insurance is commonplace in industries such as catering.

Looking for Business Insurance? Speak to City Insurance Group

City Insurance Group are one of the UK's leading suppliers of car insurance, home insurance and business insurance. City Insurance Group are an established company which have been offering insurance policies since the 1980's and boast thousands of satisfied customers who are delighted with the low premiums that are on offer. City Insurance Group provide their customers with a first rate service and offer knowledgeable and professional staff ready to offer advice on the car insurance, home insurance and business insurance policies that they have available. To find out more about the insurance policies on offer from City Insurance Group, just call 0800 0121 014 or email

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City Insurance Group is a trading style of City Broking Ltd (No 7184645) Registered in England and Wales. Registered Office: 88/89 High Street, Winchester. SO23 9AP England. Authorised and Regulated by the Financial Conduct Authority (No 520574)