Even the smallest start-ups need insurance. After all, at this early stage in your business career, the tiniest setback, whether that’s due to fire, theft or a public liability claim can completely ruin the most carefully engineered business plan.
If you’re working from home, it would be unwise to neglect office insurance too. In all likelihood, your home policy won’t cover a home office. Certain activities carried out from home such as therapies and other hands-on treatments with clients will definitely need liability cover, if you don’t want to risk a costly legal case due to negligence or injury.
Which is why you need to compare office insurance UK.
Types of office insurance for start-ups
Of course, the type of insurance you need will depend to a great extent on the type of business you running, whether you’re employing someone and any risks unique to your business sector. The ones you need to consider are:
- Fire, theft and damage
- Liability insurance
- Public liability
- Employer’s liability
- Professional indemnity insurance
Compare office insurance UK
In the UK, there are plenty of providers who’ll be happy to sell you policies of all of the above, but it might be better idea to talk to a specialist provider who can offer you an integrated office insurance policy that covers the areas you need. In that way, you can get the cover you need and still manage to get your premiums low, which, as we all know, is critical when you’re starting out.
So, when you compare office insurance UK, make sure that, as well as, getting a wide range of quotes from various insurers, you get the advice you need to make a balanced decision and protect your business from the outset.