What is Commercial Insurance?
Commercial Insurance is an insurance that protects businesses. It covers businesses against losses, arising from things like damage to property or injury to employees, and is a term commonly used to label core business insurance covers like public liability and employers’ liability.
What type of commercial insurance does your business need?
Commercial insurance comes in many forms, and what you’ll need will depend upon your business. Your typical tradesmen would probably need more commercial insurance cover than a professional writer, for instance, because risks vary from business to business and for some, they’re likely to be bigger.
That said, public liability and professional indemnity are wise covers for the bulk of businesses, whilst employers’ liability is an essential cover for any business with one member of staff or more. A legal requirement, if you don’t put it in place you could be breaking the law.
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