Running your own business means that no day is ever the same – it’s never boring, but it’s always hard work. You know that you can never predict what’s going to happen, however hard you try. But the unexpected doesn’t have to be an extra stress: you can take take out accidental damage insurance to cover your costs, and give you one less thing to worry about.
Accidental damage cover is a special top-up that can be added to your ordinary policy, ensuring you’re covered for any eventuality. It covers you for unforeseen costs. Depending on the policies you have in place already, accidental damage will provide an extra buffer for any claims you might need to make.
Accidental damage is especially important to take out if you have several employees: the more people you have working for you, the greater the chance that an accident may occur. You can’t plan for every eventuality, especially when you have more than one employee. If you do employ a workforce, you might want to consider Employer’s Liability Insurance, which will protect you against lawsuits if one of your staff is injured in the workplace.
Your accidental damage policy will cover unintentional breakage or injury to plants, machinery, fixtures, fittings, and stock on your premises: as long as it’s not already covered by another of your insurance policies. For example, if a shelving fixture suddenly breaks, destroying your stock, you would be able to claim for the cost of the fixture and your stock. An accidental damage policy provides a valuable safety-net so those not bargained for bills don’t place a strain on your profits, or eat into your capital.
Call one of our experienced brokers on 087 724 9390 to discuss accidental damage cover and other insurance options, and they’ll share expert advice on the best policies for you.
Be prepared for the unexpected – speak to one of our brokers today.
