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Business Insurance Stockport

Make sure that you are covered from the day you start trading.

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Stockport Business Category

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Stockport Business Category

Insurance

For peace of mind, please carefully consider whether your business needs insurance.

It is one of those costs that sometimes can be 'saved' but then prove costly later. The types of insurance that you may be applicable are: Public Liability (essential if you are dealing with members of the public), Employers Liability, Professional Indemnity, Key Man, Director's Insurance, Equipment, Buildings & Contents Cover, Motor Insurance, Goods in Transit, Legal Expenses Insurance.

Speak to a reputable broker if you are in any doubt.

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Walmsleys Commercial Insurance Brokers Ltd

Commercial insurance broker.

Walmsleys Commercial are a leading firm of Chartered Insurance Brokers with our head office based in Wigan in the North West.

Our qualified and highly experienced team are people will work hard to fully understand your commercial business activities and insurance needs so that we can provide the cover that you require along with the superior service that we aim to achieve.

Do not worry if you are not sure what commercial cover you need we have experience of a wide range of business sectors and trades to find the right solutions for you.

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Walmsleys Commercial Insurance Brokers Ltd

If you would like some free friendly advice from a trusted local partner relating to any accountancy or tax matter, please complete and submit this form.

There will not be any pressure nor will you be under any obligation to buy paid services.

Alternatively you can contact Andy Pringle by e-mail at andy@syob.net and he can help guide you with more information or the best person to contact.

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Business Insurances Explained

Ensuring a new business needn’t be complicated and a little time spent planning what needs to be arranged from day one, will avoid unnecessary problems in the future.

If like many start-ups you are going to work from home, you will almost certainly find that any existing car or household insurances will need to be upgraded or changed.

Car insurance

Your policy will need to be extended to include business use – even if the only business journeys you make are to the post office. Motor insurance is a compulsory insurance, so it’s important to make sure that the cover you have is right.

Household insurance (Buildings and contents)

Whether insured separately or together you will need to let your existing insurer know that you are working from home. However your household policy will not be suitable for business purposes, regardless of whether customers or clients visit your home. Separate arrangements will need to be made, although many insurers are now able to offer specialist homeworker insurance policies that can combine both personal and commercial insurance needs.

Of course if you are letting out your property, you will need to arrange a Landlords insurance policy as a household policy simply won’t do.

Whether working from home or from business premises, it’s important to insure your property, especially your stock and computers. If you have any portable items like phones and laptops, don’t forget to arrange insurance for when you take them outside.

Employers Liability insurance

If you intend to have employees, the law requires that you arrange Employers Liability insurance.

Public and Products Liability

Whilst not required by law, should be considered a must and you may find that many of your clients insist that you have the cover.

Professional Indemnity insurance

If your business is a service rather than the supply of a product, Professional Indemnity insurance should be considered. You might find that your clients insist that you have this cover and if you choose to join a Trade Association, it may be a condition of membership.

Business Interruption insurance

If you should be unfortunate enough to sustain a loss such as a fire, flood or theft at your premises, then there are likely to be significant costs keeping the business going and replacing lost profits. Business Interruption insurance should be seen as a must and the level of cover and the period of interruption that it covers, should be carefully selected.

  • Money Insurance
  • Goods in Transit Insurance
  • Legal Expenses
  • Directors & Officers
  • Personal Accident

Combining different types of insurance cover under one policy, may work out cheaper and can avoid gaps in cover.

Check any contracts that you are asked to sign to see if insurance is a requirement and at what level, especially for Public Liability and Professional Indemnity insurance covers.

Some insurance providers offer interest free monthly instalment facilities so do ask what’s available – great for helping with your cash flow.

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Stockport Business Insurers

David J Miller Insurance Brokers
David J Miller Insurance Brokers provide competitive car, home and business insurance throughout Lancashire.
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RBIG Corporate Risk Services Ltd
RBIG are one of the North Wests leading independent, innovative corporate insurance brokers and risk managers. Having been established since 1981 we have a long history in supporting our clients and providing integrated risk management and Insurance solutions. Our diverse client base includes clients from the construction industry, food manufacturing, international haulage and warehousing, recruitment, energy supply, leisure, retail, self storage, footwear manufacture, property owners, waste recycling, ICT sector and multi-site marquee motor dealerships. It is this vast experience and our key insurer partnerships which enable RBIG to consistently deliver highly competitive propositions and service across such a broad spectrum of industries.
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