Business equipment insurance provides cover for damage or loss to property or equipment that you use in the course of your business.
In the course of operating your business, your employees can be injured or suffer from illness as a result of working for you, regardless of how safe your premises appear to be or how benign your business activities may seem.
Public liability insurance (often referred to as PL insurance) covers the legal costs and expenses incurred in your defence, as well as any damages and costs that may be awarded, if you are alleged to have injured another person (who is not one of your employees) or damaged their property whilst going about your business.
Business interruption (BI) insurance is one of the most misunderstood - and therefore often overlooked - business insurance policies.
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