Motor Vehicle

• Auto Insurance
  Having worked hard to set up your business, battle through the recession and build a solid reputation in the marketplace, the last thing you want is to lose it all because you weren't properly insured. This is your livelihood after all, and it's absolutely crucial that you have the right type of cover to protect it. Whereas some people will consider driving around with just 3rd party car insurance because it's the cheapest option, if something goes wrong with your business you may come to regret opting for cheap business insurance rather than quality business insurance. The golden rule should be – pay for the most comprehensive level of cover you can afford, and don't take any short cuts. Look at both the cover and the cost.

Property

• Home Insurance
  As the parameters of the working world continue to change, and more and more people are setting up in business on their own, the home office has become a regular feature of many modern homes. As long as there is a phone line and broadband access, a large spare room can be just as comfortable and practical a place to work as a big commercial office. However, one thing you need to remember about working from home is that not all home insurance policies will cover your office equipment or anything else you have in your ‘home office’ connected to work. And if you employ people who come to your house to work, or you have work meetings in your home then you’ll need to adhere to health and safety regulations too. This is why it’s important to take out specific home office insurance.

Business

• Business Insurance
  A quick online search will bring up any number of companies offering office and business insurance, however, bear in mind that business cover is a lot more complicated than most other types of insurance, so you should always opt for a well-established company with a solid reputation. If you haven't heard of the company, you might be better off avoiding it altogether and choosing a brand you recognise.