Fish and Chip Shop Insurance

They are usually the first things that come to mind when you think of fish and chip shops and insurance. Fair enough – deep fat fryers are a big risk with fish and chip shops.  But there are some other serious considerations too which may not come immediately to mind.

Now dealing with piping hot fat all day does come with many risks and so hot oil related injuries feature heavily when considering risk in a fish and chip shop.   For instance, you and your employees are at risk of burning themselves in the normal course of business.  So make sure you have adequate employers’ liability cover to protect you from on the job injury claims.

However, your customers can also be at risk or create risky situations.  Most of your customers are likely to be good natured people popping in for a quick and easy fish supper but unfortunately you may get the odd rabble rouser on a Friday night – people who might be out to cause trouble.  There is therefore the risk of damage to your premises or injury to you and your staff.  These things are unfortunate but do need to be considered. 

The insurance cover your insurance broker or provider will suggest is likely to include the obvious three, buildings and content, employer’s liability and public liability insurance, but do talk to them and discuss the best possible option for your particular establishment.

Demolition contractor insurance – what does it offer?

Demolition contractor insurance is a very specific insurance policy that offers things on the one hand that almost all businesses need, and on the other a very specific tailoring to what a demolition contractor would need. 

If you are looking at demolition contractor insurance from an insurer that is specialised in the area that you need a policy in, you will find a number of extra add-ons that you can use to structure and tailor your own policy. These might offer things such as vehicle insurance, and higher levels of cover on public and employers liability insurance. The last two are particularly important.

In the demolition business there is always the slight risk that a member of the public or an employee could be injured by the demolition work being done, no matter how safe you try to make the workplace. Insurance policies offer you coverage in case any claim arising from such an incidence occurs.

This kind of insurance policy can also offer you things such as professional indemnity insurance, insurance for tools or work equipment, business interruption insurance, and a whole host of things that you might need. 

Demolition contractor insurance is like any kind of insurance policy; there are so many things on offer that it can be confusing at first to understand what you should be covered for. Remember that not all businesses are the same, so insurance policies even from industry-knowledgeable insurers may not always be providing the best cover for you. Do your own research, and try to understand what it is you truly need, and it should help the process become a lot less stressful.

What are the benefits of warehouse insurance

Warehouse insurance might be something vital to a business, so vital that they already have an insurance policy. But other businesses that may be starting out, or whose warehouse is not a central part of their daily business, might see it as an expense they could do without. 

The benefits of having warehouse insurance is huge. Within warehouse insurance you can get different elements of insurance cover that help to give an overall help to the coverage of your business against claims made against you. Employers’ liability insurance, for example, is one that is often offered in a warehouse policy. This is made compulsory by law to have, but it makes sense to find the right policy for you as cover is vital.

Business equipment cover is another thing that could be a benefit from warehouse insurance; keeping the contents and equipment of your warehouse safe would ensure that you can sleep well at night knowing that there is a safety net available if you need one. Warehouse insurers might also offer other extras and add-ons that can be of great benefit. For example, some will offer fleet or van insurance.

Warehouse insurance policies will often give you other elements that you might be interested in because they know what sorts of requirements particular businesses might have. Of course, if it will not be of benefit to you or your business then don’t feel pressured to take out the coverage, but if you believe that you might benefit then consider taking it out.

Who to listen to when it comes to building contractor insurance?

One good piece of advice for buying building contractor insurance, as it is for any kind of insurance policy, is to ask for the opinions of others. This is a great way to learn from other people’s mistakes and to work out what exactly it is your business needs, especially if you find the opinions of those in the same industry as you.

However, building contractor insurance – like any kind of insurance – is never going to be the same thing for different people. One person’s perfect insurance policy could turn out to be filled with holes for someone else. So another piece of advice when listening to other people’s insurance stories is to take them with a pinch of salt. Whilst someone might tell you their insurer was a great help during a moment of disaster, try to get the full story. And remember that that particular disaster may be unlikely to ever befall your business, but another type of disaster could, and it could be this particular kind of disaster that this ‘great’ insurer can’t cover.

When getting people’s stories, try to ask more questions than just ‘what did you think’. If they have a particularly damning story of an insurer, try to establish whether the insurer was actually tricky in getting help and cover from, or whether the person who took out the policy had mistakenly looked over some small print.

Building contractor insurance is like any kind of insurance policy, it is difficult to fit one policy to suit all. Therefore, you should try to listen to people’s advice understanding that, and knowing that negatives and positives might not fit to your particular situation.

Licensed premises insurance

Licensed premises insurance can come in a number of different forms and may be required for a variety of different kinds of business. Licensed premises can mean anything from night clubs, pubs, or any building with a bar. Insurers offering such a policy will typically have some coverage included as standard, with extra add-ons available if you feel your business would benefit from them. 

Licensed premises insurance policies can cover, as standard, a number of different elements of coverage. Some of the typical ones you will find include business contents insurance. Naturally the contents of a licensed premises are essential to running the premises, and to the livelihood of the business. Stock can be covered for a number of outcomes, usually varying from insurer to insurer. Different kinds of liability insurance are also available, for example public liability. This helps you in case a member of the public is injured or any of their property is damaged on your premises, and a claim is made against you. 

Other kinds of liability insurances include employer’s, and products. Products liability insurance keeps you covered against any claims made against you due to the quality or condition of what is sold by your business. Employer’s liability insurance helps you to cover the costs of a claim made against you by an employer due to injury in the workplace. 

Licensed premises insurance can include a number of elements, and it may take some time to find the right sort of insurance policy and insurer for you, particularly with all the extra things that can be added if needs be. But there is, thanks to the range, inevitably one insurance policy to suit your needs.

What not to do when you have unoccupied property insurance

Unoccupied property insurance is a really important thing to have if you are going to be leaving your property unoccupied for a long period of time. Once you have your policy, check to see what is required of you so that you are not putting the validity of your insurance at risk. There are some things that you should certain not do, even with the insurance policy. 

For example, unoccupied property insurance should not be used as an initial security blanket. Thinking that you will be fine leaving your unoccupied property only marginally safe is dangerous; as mentioned previously many insurance policies won’t be valid if you have not taken the necessary precautions to keep the property safe. Living in areas prone to flooding, storms or other kind of adverse weather conditions and not taking the necessary precautions to protect your home, or making sure that there is someone nearby who can make the necessary precautions, may endanger your insurance policy. 

Naturally, things such as windows left open are also a big no-no for insurance policies. Of course it is also a big no-no for keeping your property safe and the contents within. It is doubtful that anyone would purposefully leave their window open when they leave their property unoccupied, but to not check thoroughly enough to notice would warrant some questions from your insurers.

Unoccupied property insurance may be important, but you need to make sure that it is not the only piece of protection you have for your home. The physical safety checks and measures that you take will provide the best sort of comfort for you when you leave your property unoccupied.