Читать книгу A HouseBeautiful Home Business - Emma Jones - Страница 54

There are different categories of insurance which you need to know about to secure the policy that’s right for you. The main ones are:

 Professional indemnity – relevant to businesses offering services and knowledge and provides protection if you receive a claim alleging a negligent act, error or omission committed by you in the course of the conduct of your professional business.

 Public liability – advisable to have if clients are visiting your home office and/or you are supplying goods to consumers. This will protect you in the event of potential injury to business visitors and/or damages arising from the supply or sale of goods which have caused injury to a third party or their property. Public liability insurance is also needed if you plan to sell your wares at markets or events. Many organisers will ask to see this before granting you a stall.

 Business interruption – covers your potential loss of revenue following a material damage loss.

 Employer’s liability – only applies when you have employees and offers protection in the event of death or injury to them sustained in the course of their employment.

 Motor insurance – This is different to standard car insurance, which does not include business use. If you have a vehicle dedicated for business use to carry stock and/or products, you should buy motor insurance or get a business extension on your car insurance policy when using your existing car for business travel.

 Home insurance – You are likely to already have a home insurance policy but this will generally not cover business activities carried out at home or business equipment within the home. Speak to your insurance provider and upgrade to a business policy. This is not usually costly but it will ensure you’re protected.