Boshers Holiday Home Insurance Specialist

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Business Insurance FAQ

Answers to your business insurance FAQs can be found here. If you can’t find an answer call one of Boshers insurance advisers today on 01237 429444.

  1. What can I insure my business premises against?
  2. What other Property Insurance is available?
  3. What is Business Interruption Insurance?
  4. What is Public Liability Insurance?
  5. What is Products Liability Insurance?
  6. What is Fidelity Guarantee Cover?
  7. What is the benefit of Commercial Legal Expenses Cover?
  8. What is Professional Indemnity Insurance?
  9. Can you explain Directors & Officers (D&O) Insurance
  10. Can we cover exported and imported goods?
  11. Is Travel Insurance available for businesses?
  12. What is Personal Accident Insurance?
  13. What is Engineering Insurance?
  14. Is it possible to insure against acts of Terrorism?
  15. What is Motor Legal Expenses?

What can I insure my business premises against?

Your buildings and/or contents can be insured against:

  • Fire
  • Special Perils of explosion
  • Earthquake
  • Aircraft
  • Riot & malicious damage
  • Storm
  • Flood
  • Escape of water
  • Impact
  • Subsidence
  • Theft involving forcible & violent entry or exit
  • Other damage of an accidental nature

What other Property Insurance is available?

  • Goods in Transit
  • Glass breakage including sanitary fittings
  • Money, Property away from your premises

What is Business Interruption Insurance?

Business Interruption Insurance covers Loss of Trading Profit due to interruption caused by an insured peril for a selected indemnity period – usually minimum 12 months. Various extensions are available, e.g. following damage at the premises of: Suppliers, Customers, Public utilities, or nearby properties restricting access to your premises.

What is Public Liability Insurance?

Public Liability Insurance covers your legal liability for physical injury, damage or loss caused to third parties arising from your business activities – set at a level that that matches your liability.

What is Products Liability Insurance?

Products Liability Insurance covers your legal liability for physical injury, damage or loss arising from goods sold or supplied – set at a level that that matches your liability for all claims, in any one year.

What is Fidelity Guarantee Cover?

Fidelity Guarantee Cover gives the business protection against misappropriation by employees.

What is the benefit of Commercial Legal Expenses Cover?

Commercial Legal Expenses is an increasingly important insurance, including compensation awards as well as defence costs in employment disputes. Various other costs can be insured e.g. Inland Revenue/VAT investigations, Property disputes, Certain criminal prosecution defence, Data Protection prosecutions, Contractual disputes, Intellectual Property disputes. A legal query helpline is provided, saving you legal costs.

What is Professional Indemnity Insurance?

Professional Indemnity Insurance protects your company’s legal liability for claims made against you alleging financial loss following breach of professional duty or negligence.

Can you explain Directors & Officers (D&O) Insurance

Increasingly, actions are taken against individual directors and officers of corporate bodies – these individuals are not protected by the limited liability available to shareholders. D & O Insurance will afford protection up to the requested indemnity levels.

Can we cover exported and imported goods?

Marine & Aviation Insurance is available to cover goods which your business intends to export and/or import, as well as other marine and aviation risks.

Is Travel Insurance available for businesses?

Travel Insurance is available for both business principals and employees. It can be arranged either for specific journeys or on an annual basis.

What is Personal Accident Insurance?

Personal Accident Insurance provides capital sums in the event of death or permanent disability and weekly benefits for temporary disability. It is available for both business principals and employees.

What is Engineering Insurance?

Engineering Insurance cover can be arranged to provide more specific insurance for certain types of plant and equipment. Inspection services can also be arranged to provide regular inspections of plant & equipment, particularly where required by statute.

Is it possible to insure against acts of Terrorism?

Terrorism Cover provides Protection against acts of terrorism where your other insurance excludes or restricts such cover.

What is Motor Legal Expenses?

Motor Legal Expenses covers the Legal costs of recovering uninsured losses such as personal injury and loss of income, following motor accidents, with other valuable benefits and a legal helpline.

  • Call us for a quote today on 01237 429 444 or Enter your details and a member of our friendly team will be in touch.

Why choose us?

  • Expert advice
  • Tailored cover
  • Qualified staff
  • Leading insurers
  • Service with a smile

Testimonials

"I want to thank you for the competent, courteous and pleasant way you have handled my claim. ...you have been brilliant"

Mr P.G - Holiday Home Owner

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