Carrying insurance for any business operation is not only a prudent move, but in some jurisdictions, it is also mandatory. To be sure, a quick consult with a local insurance agent and risk attorney may reveal what is required. However, moving past what is required and looking at what is smart is the need of the day.
A business with transportation assets, whether it?s the company car or the delivery van, or a fleet of trucks, they all need blanket coverage. Add to that, the head office and all the retail outlets that have stationary content such as furniture, cabinets and other valuable content, need to be insured too. The shops and the building need to be insured as well, against theft, fire, floods, any kind of damage that has financial implications as well as continuity issues.
Insuring Vehicular Assets
To begin with, companies that own cars, trucks and vans need to have a fleet insurance policy or fleet car insurance. Vehicular asset insurance is one of the classes of insurance that should not be neglected as it is open to theft, damage and accidents as well as open to liability. Whether it?s fleet van insurance or, motor fleer insurance, make sure that all vehicles are adequately valued and covered appropriately.
Building Insurance
The next most important item on your list should be insurance to cover property and building. Here too, there are various policies to choose from depending on what is necessary and appropriate. There is shop insurance for the retail front, there is retail office insurance, office content insurance, there is commercial office insurance and the list goes on. The thing to remember is that insurance is about mitigating risk. Every action, even just standing at the curb, involves risk. As a business, protecting the shareholders, officers, staff and vendors, requires that insurance for every operational facet be current and adequate.
All these insurance areas are easily handled in a comprehensive policy that reinsurers can organize.
The process to protect the company and its shareholders is something that will take a painstaking amount of time. The requisite fleet insurance, office insurance, retail insurance, and anything else you need can be structured carefully, in turn saving you a tidy sum in annual premiums.
These days, to get an insurance quote is quite an easy job, thanks to Internet. Whether it is a motor trade insurance online quote or an office insurance quote, you can easily have it online. However, you should not fall for the first quote you get. Make sure, you shop insurance quotes, and only go for the best one.
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Source: http://www.financecategory.com/being-insured.html
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