Public liability insurance

In case your business and products cause an injury or property damage.

What’s typically covered by f uneral directors public liability insurance?

Claims against your business for:

For example:

• you spill hot coffee over a client during a meeting, causing a burn
• a contractor working on the same premises as you trips over your tool kit, breaking their knee in the fall
• one of your employees causes extensive damage to your client’s property when reversing their van

**If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.**

Read more about public liability insurance

Employers’ liability insurance

In case anyone gets ill or injured while working for your business

What’s typically covered by employers’ liability insurance?

Claims against your business for:

• an injury to someone you employ, including contractors and temps, that happens as a result of working for you
• a member of staff (including casual workers) falling ill due to your business

**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:

• one of your employees falls down some stairs in your business premises, and makes a claim against you for chronic shoulder pain
• a temporary employee traps their hand in a door at your premises, causing several fractures
• a member of staff trips on a ledge on their way to a meeting, injuring their hip

Contents insurance

In case something happens to your fixtures, fittings, or operational equipment.

What’s typically covered by business contents insurance?

Claims against your business for:

• destruction and damage of your contents equipment, such as furniture or photocopiers
• cover for flood or fire damage, plus theft and vandalism

For example:

• some of your business equipment, including a printer, is damaged by a fire
• several TV screens you use for virtual meetings are stolen by thieves
• an upstairs leak in your premises causes damage to the sofa and chairs in your reception area

Read more about business contents insurance

Business legal insurance

In case you’re hit with legal expenses connected to your business.

What’s typically covered by business legal insurance?

Claims against your business for:

• unpaid invoices
• contracts for the purchase, hire, sale, or provision of goods or services provided to you
• an alleged breach of statutory rights with an employee

For example:

• you need to recover debt after a client refused to pay their invoice, caused by a contractual dispute
• you’re facing legal costs as a client is disputing whether you met your contractual obligations with your hire agreement

Read more about business legal insurance

Stock insurance – select options

In case something happens to your products and consumables.

What’s typically covered by stock insurance?

Claims against your business for:

• the cost of replacing the stock you use to run your business
• stock that’s been destroyed, lost, stolen, or damaged
• stock includes food and drink products as well as branded materials and sellable items

For example :

• your stockroom gets vandalised – products you need to operate are stolen and damaged
• a fire caused by faulty electrics spreads to your stockroom and destroys sellable items
• a leaking pipe floods your business premises, destroying stock that you intend to sell

Read more about stock insurance

Buildings insurance

In case something happens to your business premises.

What’s typically covered by business building insurance?

Claims against your business for:

• the cost of structural repair (or rebuilding from scratch) following damage to your building
• damage to fixtures and fittings
• underground pipes and cables that you’re responsible for

For example:

• someone vandalises your shop with graffiti, which you need removing ASAP
• your shop’s non-slip rubber flooring gets damaged during a refurb and needs replacing
• a non-supporting wall in your building has been damaged and needs replacing

Read more about business buildings insurance

Excess insurance

In case you need to make a claim on your insurance policy.

What’s typically covered by excess insurance?

Claims made by you for:

• when you make a claim on a cover included in your business insurance policy, you won’t need to pay excess

For example :

• after a heavy storm you need to make a claim on your building cover – you don’t have to pay the £250 excess thanks to your excess insurance
• a leak in the bathroom causes a guest to slip and injure themselves and thanks to excess cover, there’s no excess to pay on the claim
• a tenant’s suitcase scratches the wooden flooring in your hallway – you won’t have to pay any excess on your accidental damage claim