Match your Business Risk to the Commercial Insurance :
Carvel Insurance Brokers has produced a 20 point Business Insurance Checklist so that your business may consider the most common types of business risk and corresponding commercial insurance that is available.
Each type of business insurance policy is listed with a
‘Business Risk Action’. The three ratings below are intended as an indication of how the policy should be considered.
Compulsory
Recommended
Optional
This business insurance checklist is intended as a guide. Before making any decisions please consult with a qualified insurance professional about your business risk.
The business occupies business premises
Commercial Buildings Insurance
Business Risk Action – Recommended
Business Risk Action – Recommended
Business Risk Action – Compulsory
Employment Practices Liability Insurance
Business Risk Action – Optional
The business supplies products to customers
The business has Directors and/or Officers
Directors and Officers Liability Insurance
Business Risk Action – Optional
Members of the public could be affected by your business activity
Business Risk Action - Recommended
The business is involved in the transport of goods and/or products
Business Risk Action - Recommended
Employees travel outside UK in the course of their work
Employee Business Travel Insurance
Business Risk Action - Recommended
The business owns or manages property that is rented or stands vacant
Business Risk Action - Recommended
The business provides professional advice or design advice
Professional Indemnity Insurance
Business Risk Action – Recommended
The business is an Architects, Independent Financial Advisors, Engineers, Brokers or Accountants
Professional Indemnity Insurance
Business Risk Action – Compulsory
Theft or dishonesty by employees is a concern
Fidelity Guarantee Insurance / Employee Dishonesty Insurance
Business Risk Action – Optional
The business depends on operation of CAD computers and/or machinery
Business Risk Action – Recommended
Business disruption by fire, flood or denial of access to premises is a concern
Business Interruption Insurance
Business Risk Action – Recommended
The business operates vehicles on public roads or requires staff to use their own vehicles
Third Party Motor Business Insurance
Business Risk Action – Compulsory
Comprehensive Motor Business Insurance
Business Risk Action – Optional
The business relies on certain people to maintain the operation of the business
Business Risk Action – Optional
The business would be significantly affected in the event of a bad debt
Business Risk Action – Optional
The business regularly disposes of waste and/or chemicals
Business Risk Action – Optional
The business occupies a premises with large glass areas or displays significant signage
Plate Glass Insurance / Sign Insurance
Business Risk Action – Optional
The business handles cash, cheques or valuable documents
Business Risk Action – Optional
The effect on the business of legal action is of particular concern
Please Note:- This Business Insurance Checklist is intended as a guide.
Before business risk decisions are made, consult with a qualified insurance professional.
Business Insurance for Limited Companies, Sole Trader, Small Business or Multi-million Pound Turnover.
Complex Risks Insurance ~ Property Investors Insurance ~ Directors & Officers Insurance ~ Commercial Liability Insurance
Business & Employee Travel Insurance ~ Office Insurance ~ Pub Insurance ~ Guest House Insurance ~ B&B Insurance Business Insurance Advice ~ Engineering Insurance ~ Professional Indemnity Insurance ~ Fleet Motor Insurance ~ Taxi Insurance ~ Hotel Insurance ~ Private Client Insurance ~ Landlords Insurance ~ Property Owners Insurance ~ Restaurant Insurance ~ Employers Liability Insurance ~ Public Liability Insurance ~ Product Liability Insurance ~ Commercial Property Insurance ~ Shop Insurance ~ Contractors Insurance ~ Tradesman Insurance ~ Courier Insurance ~ Retail Insurance ~ Haulier Insurance
High Net Worth Insurance ~ Commercial Insurance Cover ~ Commercial Motor Insurance
A single phone call and you can access our entire range of policies to provide instant business insurance.
Connect with Carvel, call us now on 08458 733 133
Authorised and Regulated by the Financial Services Authority
Carvel Insurance Brokers Limited ~ 1 Poultry ~ London ~ EC2R 8JR
