SMALL BUSINESS INSURANCE QUOTES
So many people are realising that there is no future in trying to get into the job market and have, as a consequence, started their own small businesses. Don’t be fooled – its hard work to get your business to a successful level. More importantly –have you stopped to think what will happen if disaster strikes in the form of a violent storm or ill-health? Would all those months or years of hard work be wiped out in the blink of an eye? And what of all your profits?
You can see why it is imperative to find a small business insurance that is simple, thorough and affordable. Obviously the benefits of this insurance should be developed around your individual business needs and requirements. Be sure to choose insurance consultants who are skilled enough to tailor-make an insurance solution for your small business including risk exposure business. Your chosen small business insurance should include cover for most of the following:
- fire,explosion and earthquake
- acts of nature (wind, thunder, lightning, storm, hail, flood and snow)
- damage caused by bursting and overflowing of geysers and water pipes
- malicious damage
- power surges
- impact
- fire brigade charges
- vehicles or fleets
- buildings
- contents
- travel
- employers liability
- business interruption
- electronic equipment
- stock and money
- employee dishonesty
- Public liability.
Business Interruption Insurance – in the unfortunate event of a major disaster hitting your small business – resulting not only in damages but also a temporary shutdown, you could be without an income running into a period of several months. The threat of terrorist attacks inSouth Africa is low, but not impossible. Remember the ongoing trial of the “Boeremag”? Most standard policies will exclude disasters by an act of terrorism or riot.
