Business Insurance, Shop Insurance, Liability Insurance

House 2 House Finance can assist businesses in all types of insurance. The following list no way exhausts the insurance products that house 2 house can offer businesses. Every business will have different insurance needs and House 2 House Finance and Insurance has access to some of the most competitive rates available. However these are the most common: Public Liability Insurance Public Liability Insurance is a core requirement for businesses. It protects you for your actions whilst at work and covers you for any damages that a member of the public may be awarded as a result of injury or damage to them or their property caused by your business. Public Liability Insurance also covers legal fees and other expenses to do with defending any claim that may arise.  To find out just how competitive the premiums for Public Liability Insurance are you should call or email us. Landlord Insurance This is often known as Buy to Let Insurance.  Buy 2 Let insurance is made up several components that give landlords a good level of cover against most circumstances. This Insurance has three elements  buildings insurance cover and protects against things like storm damage, floods, subsidence, just like normal building insurance.  Contents Insurance.  Although in principle is just like your home contents.  The difference is that  it is more structured towards a tenanted property and therefore the cover is more representative of the cover required by a landlord.  The final element is Landlord Liability Insurance.  Landlords Liability will insure you (the landlord) against almost any liability from the tenant. This means that if an item in the flat develops a fault and and causes injury the policy will offer you cover, should the tenant wish to sue you for damages then cover is normally included. Professional Indemnity Insurance A lot of business are built around selling someones knowledge or skills, or you may give advice. For this you may need Professional Indemnity Insurance. Professional Indemnity Insurance covers you against compensation claims brought by a client that feels you have made a mistake or have been negligent. Remember this insurance has legal cover as well, so the cost of defending will also be covered within the policy. Most professionals have Professional Indemnity Insurance and there are many professions where the regulator insists this  and Financial Services is one of them. Professional Indemnity Insurance can be used along side your Public Liability Insurance. Public covers you against damage to a clients property or to themselves while on your premises the additional cover for the actual advice or skill sold. Employers Liability Insurance Employers Liability Insurance (EL) is an Insurance policy that is essential to almost all business, clearly only of you are an employer. If you are a limited company you will also be required to have employers liability insurance by law and clearly the more employees the greater the risk of a claim. Employers Liability Insurance covers the employees in case they suffer any physical injury or death.  If it is proven that you have acted negligently  or that an accident could have been prevented, or even an employee picks up an illness (disease) from within your office, you will have cover.  The definition for employers liability is: Insurance by employers in respect of their liability to employees for injury or disease arising out of and in the course of their employment. Shop Insurance Shop insurance offers insurance quotes on almost any “fronted” premises this includes, retail outlets, public houses and restaurants.  There is always a possibility of an accident happening within your premises and having Shop insurance will allows to pursue your losses should someone damage your premises. Your business is vulnerable to claims from both employees and customers. Shop Insurance offers a good level of protection from compensation claims and for damage to your own property. House 2 House Finance & Insurance is an appointed representative of H L Partnership Limited which is authorised and regulated by the Financial Services Authority. Business Insurance, Public Liability Insurance, Buy 2 Let Insurance, Landlords Insurance, Professional Indemnity Insurance, Employers liability Insurance, Shop Insurance, Insurance Quotes, Landlords Liability Insurance