SEARCH FOR: CONTACT Professionals Estates & Private Clients Commercial Clients Claims About Survey GET IN TOUCH PROFESSIONALS Commercial Combined & Office Businesses operating from a commercial property will require certain insurance covers to protect: their assets – eg; Buildings, Contents & Computer insurances their earnings – eg; Business Interruption insurance their liabilities – eg; Employers and Public Liability insurances Some business insurances are supplied as “package” policies with standard covers automatically included (such as for a professional firm operating from an office, a retail shop or a surgery). Other commercial firms (such as manufacturing or warehousing) will require a specialist policy designed to account for the risks of their specific industry. Cox Mahon has a team of experienced brokers who provide advice and create bespoke insurance programmes for our business and commercial clients. Areas for consideration are: Buildings – only necessary if you own the property Tenants’ Improvements – often required for internal fixtures & fittings you have installed (kitchen, internal partitions, etc) Contents – for an Office, your desks, chairs, computers, printers, cabinets, etc. For a trading business, your stock, fixtures & fittings. All to be insured for a replacement value. Business Interruption Money – cash or negotiable instruments on premises, in transit or in a safe Goods in Transit – supply or delivery of raw materials &/or finished goods Employer’s Liability – a legal requirement for any business with staff, covering your legal liability for accidents arising through their employment Public / Products Liability – covering your legal liability for injury or accident arising from your business activities All Risks – for portable equipment taken away from your business premises (laptops, mobile phones, etc) Legal – Legal expenses cover helps with fees if you are faced with taking legal action against a third party, or for defending an action against your business You May Also Be Interested In