Surgery insurance offers a package of financial safeguards likely to be attractive to any owner of a business that relies on the maintenance and smooth running of a surgery. This might apply, therefore, to owners of surgeries for doctors, dentists, osteopaths, physiotherapists, complementary medicine practitioners and veterinary surgeons. This particular form of business insurance recognises some [...] [...more]
With very good reason, one of the safeguards most businesses are most anxious to have in place is commercial property insurance. The business premises, after all, serve as the primary window on the market and without an office, shop, workshop, restaurant, or other place of operations, the business will be hard pressed to continue. The insurance [...] [...more]
If you are running your own business as a tradesman, you’ll need no one to tell you how difficult it can be making a reasonable livelihood. Without being unnecessarily alarmist, however, just a single mistake or error can cost you and your struggling enterprise such an expense that the business is forced to go under [...] [...more]
Running a restaurant as a business can pose a unique set of risks and open up potentially expensive liabilities. Restaurant insurance recognises these particular and individual circumstances and provides financial safeguards for the restaurant owner accordingly. A kitchen, for example, can be a potentially dangerous place in which to work. Sharp knives and hot pans do [...] [...more]
You own and operate your business from an office in your own home; surely there is not much need, if any at all, for office insurance? Even with such an apparently modest business setup, however, skimping on office insurance can leave the uninsured or underinsured business owner facing potentially very heavy and unexpected bills. Whether you [...] [...more]
Not for nothing has Britain often been described as a nation of shopkeepers. Owning and running a shop is perhaps many people’s idea of the quintessential small business. Whatever cosy notions the idea might conjure up, however, running a financially successful shop can prove a tough business, in which family members are frequently drafted in [...] [...more]
A simple and straight forward definition of a contractor – also known as an independent contractor – is an individual or business providing goods or services to another individual or business under the terms of a contract. This distinguishes the contractor from an employee in so far as the former does not work regularly for [...] [...more]
Those in business as consultants provide a particular kind of service. Just as the name suggests, they are consulted on account of their specialist skills or knowledge. This is what the customer is buying, and the customer will expect that specialist skill or knowledge to be accurate, error-free and dependable. If it is not, and [...] [...more]
The appropriate type and level of business insurance is something that can make or break a small business. Too much, and all-important overhead costs are unnecessarily inflated; too little, and an unexpected and uninsured claim can deal a crippling blow to profitability. Getting it right, however, need not be a completely hit and miss affair; [...] [...more]
The employment of staff is a major responsibility of any small business. Not least of these responsibilities is the health and safety of those employees whilst at work. If any employee injures him or herself, or even dies, at work, or contracts an illness as a result of working there, and the business is found [...] [...more]
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