We appreciate that every business has individual needs and has a unique approach to risk factors and appetite. With this in mind, our priority is always to understand the activities and goals of our clients, so that the most suitable options are considered and the final decision on risk is made on an informed basis.
Although there are some common insurance needs (such as compulsory covers in the UK, ie Employers’ Liability and Motor Third Party Liability) it is vital to look at each business individually, to ensure that insurance protection and risk management solutions are suitable and cost-effective.
Whether you have a small business, possibly a sole trader, or you are part of a larger organisation, risk is a vital area needing attention.
Package policies can offer effective solutions for Shops, Offices, Restaurants and other trades and Commercial Combined policies often provide for the needs of many larger companies. Specific classes of insurance can be insured in isolation, to achieve a more cost-effective programme.
What does your business need to protect?
Some considerations will be:
There are, of course, many more risk areas to think about and H&H Insurance Brokers Ltd is happy to review these with you so that you have the protection you need, whether specific risks are insured or managed within your business.
H&H Insurance Brokers now trading for 30 years across Cumbria, remain truly independent and offer a personal service (no call centres) and bespoke insurance cover at a competitive price – whatever the business size.
Recent news stories of computers being hacked and companies being held to ransom, as well as being offline, have all added to the existing concerns about on line fraud and cloning via the internet.