"I have a business so what insurances do I need?"
We hear this a lot. But the good thing is, that is what insurance brokers are for!
Discussing your business; your needs and wants, whether you are happy to take on risk or want to cover as much as possible, an insurance broker will provide much clarity and peace of mind. Leverage our time and decades of experience to your benefit so you know that what you are spending your insurance dollars on, is what you truly want and need.
Starting, growing and maintaining a business can be hard work and take up much time, money and resources. Should something go wrong, it is so worthwhile to have protections and processes in place so that you can get back up and running as quickly as possible, repair any damaged property and recoup any lost profits. You don't want to end up losing your business and all your hard work due to lack of protection.
No matter what size your business is, or what you do, we can help.
Property
There are many different types of property in your business that you can elect to insure. These include:
You and your people
When it comes to having staff and volunteers, there are many types of covers that you can consider or you are legally required to have:
Liabilities
It is surprising how many risks there are in respect to different liability when running a business. Different industries bring with it different risks also:
Financial
A big claim can affect a business in many ways financially including one's income. Here are a few financial and income related risks worth thinking about:
Do I have that insurance?
If you read the above lists and were thinking "I remember getting that insurance but I don't know if I still have it or who it is with?", feel free to take our quiz which may help you track down what insurances you have in place and who covers you.
We have found many clients have duplicated covers as they have their insurances here, there and everywhere! It is a great idea to have one advisor look over your program as a whole so this can be avoided. Or worse yet, think that you have something covered with one provider only to find out they don't.
May be a good idea to check out The MIK Way
