The Right Business Insurance Inverness

Most businesses need some level of liability insurance, and employer's liability insurance is the most common. You can talk to your broker to find out what level of liability insurance your business needs. The law states that you must have liability cover in order to cope if the worst happens.

Swinton
+44 (0) 1463 230703
34 Tomnahurich Street
Inverness
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Clark Thomson Insurance Brokers
01463 233105
59, Tomnahurich Street, Inverness
Inverness
 
Swinton Car Insurance
0800 781 8539
34, Tomnahurich Street, Inverness
Inverness
 
Tenon
01463 732510
intail House, Beechwood Park, Inverness
Inverness
 
Callander Colgan
01463 701940
Ballantyne House, 84 Academy Street, Inverness
Inverness
 
Thomson Shepherd Limited
01463 715551
9, Ardross Terrace, Inverness
Inverness
 
City Financial Ltd
01463 732570
Ness Horizon Centre, Kintail House, Beechwood Business Park, Inverness
Inverness
 
Ian Macdonald Insurance Services
01463 223555
108, Church Street, Inverness
Inverness
 
MacLeod & MacCallum
01463 239393
28, Queensgate, Inverness
Inverness
 
Investment Services Scotland Ltd
01463 712752
27, Huntly St, Invernes
Inverness
 
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The Right Business Insurance

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Finding the right business insurance can be a difficult and complicated process. There is a certain amount of jargon associated with the subject which can put off many small businesses.

Why do you need insurance?
Firstly, it's the law! If you employ anyone, insurance is a legal requirement. For example, employers' liability cover protects your staff and labour-only sub-contractors in the event of an accident or injury at work for which you are legally liable. By law, if you have employees, you must have at least £5 million cover.

Insurance you must have


Liability insurance

Most businesses need some level of liability insurance, and employer's liability insurance is the most common. You can talk to your broker to find out what level of liability insurance your business needs. The law states that you must have liability cover in order to cope if the worst happens. There are just under 400 deaths and nearly 30,000 major injuries at work each year in the UK, so this is not something to be taken lightly.

Motor insurance
Drivers know motor insurance is a legal requirement, but many come unstuck when using vehicles for work related activities. If you're employing someone who's using their own vehicle for work purposes other than travelling to work, then you have a responsibility to ensure they are fully covered. This could be as innocent as dropping you off at a meeting - they still require business insurance.

Public liability

Public liability insurance, though not compulsory, is something only a reckless business would cut back on. It covers you for damage against property or persons that you might encounter during your work, for instance, your customers.

Planning ahead
Disasters don't just happen to other people. With business continuity insurance, you buy a policy that's enough to cover you and your business for the worst-case scenario. A cautious business would look to get as much as two years' worth of cover but many make do with one-year policies or less.

Aviva provides insurance for thousands of UK businesses, so we know how important it is to have the best value cover. Find out how we can help your business at www.aviva.co.uk/yourbusiness .

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