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Covid-19: Your questions answered
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We consider the types of insurance you may need when starting a new business. If you are starting, or have recently started a business we, at Hart Shaw, can provide you with any further information you require.
When starting a new business, you will no doubt recognise the need for insurance. It can provide compensation and peace of mind should things go wrong but can also represent a significant cost.
In this factsheet we consider the different types of insurance you need to consider.
Other categories of insurance are optional and a decision as to whether or not you need cover under any given heading will depend on the nature of your business and an assessment of the risks.
If you are planning to start your new business from home then don’t assume that your normal household insurance will be enough. It will not usually cover business risks. It is possible to obtain special ‘working from home’ policies.
It may be stating the obvious but it is important to shop around to get the best deal. You should obtain several quotes and always be wary of cheap deals. A personal recommendation may be the best way to decide.
Again it may be stating the obvious but too much cover and your cash flow will suffer, too little and the consequences can be catastrophic.
Consider the level of cover you need. With buildings and equipment make sure you are covered for the full replacement cost.
If there is to be an excess on any policy make sure that it is set at a sensible level.
If you are starting, or have recently started a business we, at Hart Shaw, can provide further help on insuring your business.
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Hart Shaw LLP are currently applying COVID-19 working protocols and our staff are working from home. Our switchboard will be answering calls but you can contact our partners on the following numbers:
Further contact details can be found here: https://www.hartshaw.co.uk/about-us/key-contacts
We apologise if this is inconvenient but we are doing our best to follow government working directions whilst continuing to service our clients to the best of our ability in these difficult times for all and appreciate your patience.