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How do I find the best insurance for my business?

There’s a range of things you can insure your business against and seemingly even more firms that are prepared to provide that insurance.


As a rule of thumb, you need to consider the following insurance for your firm – property insurance, liability insurance, vehicle insurance, business interruption insurance and ‘key man’ insurance, which protects you from the loss of lynchpin members of staff.


These various insurance areas can be covered by packages and with a surfeit of insurers in the market all chasing the small business dollar, you can get a good deal if you shop around.


Make sure you choose an insurer with an understanding in your sector and try and reduce your risk as much as possible in order to get a better deal. There are several comparison sites for business insurance, for example Zippy -

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Using an Insurance Broker who is trained to understand the insurance market is the best way to Find the Best Insurance for your Business.

Buying on price alone can leave you with a policy that you think covers you for something that it does not. Too many business are burnt this way.

An Insurance Broker works for you, not the insurance company; their advice is always in your best interest. An insurance broker will understand your business, the risks your business faces and advise you on how to protect your business.

To ensure your broker is experienced and qualified, insist on dealing with a NIBA (National Insurance Brokers Association) accredited QPIB or QFSR (Check the broker's post nominals).

To find an Insurance Broker near you, look here:

Pious , September 06, 2010
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