No one can predict the future but you can prepare for it. Insurance protects your property, assets and ultimately your livelihood, and gives you peace of mind that if the worst happens, you can get back on your feet quickly.
Here’s my tips for preparing for autumn/winter:
Extreme weather events
High winds, heavy rainfall and freezing temperatures cause serious disruption. Make sure you’re covered for extreme weather, and consider business interruption insurance to protect against any loss of income or profit while your business is out of action.
Public liability for seasonal activities
A slip on an icy path or an accident during a guided walk can potentially lead to costly legal claims. If you’re hosting events or outdoor experiences, public liability insurance is essential. Check that your policy accurately reflects the nature of the activity.
Get the right cover
One of the biggest risks businesses face is underinsurance - having insufficient cover without realising it. This often happens when policies aren’t updated after changes to the business. Protect yourself by getting a professional valuation based on current rebuild costs and reviewing your insurance regularly with your broker.
Cybersecurity and digital protection
With growing reliance on online bookings and digital payments, cyber insurance needs to be on the agenda, whatever the size of your business. Your policy should cover the impact of a breach including disruption, recovery costs and liability.
To find out more about finding the right insurance for your business, contact Kara at [email protected] or call 01228 406290