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[dropcap type=”simple”]W[/dropcap]ondering whether to buy a commercial insurance policy to cover your business? No matter how small your business is – it doesn’t matter if you’re running it out of your home, commercial insurance is necessity of doing business in New Zealand.
- Insure your employees – limited liability insurance
- Insurance assets, tools & plant equipment
- Insure your vehicles – car, trucks & machinery
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Is business insurance worth monthly premium costs?
Like other insurance policies, it’s difficult to justify the monthly or annual expense when you don’t receive a tangible product in return. Business insurance is the type of product that is invaluable when an unforeseen accident or disaster occurs. Depending on the scale of the incident, an uninsured business could be crippled with unexpected costs or loss of staff – all of which need to funded from capital reserves or a bank loan.
Build business insurance into the ‘cost of doing business’; consider it a non-negotiable like your work van, tools or stationary. Shop around and compare policies, you’ll be amazed at how much you can save. Read you policy carefully and don’t be afraid to ask your lawyer or business broker to look it over. There may be some aspects of the policy that you don’t need or aren’t applicable to your business. Request that they be removed or downgraded to save costs. Regardless how big or small your business is, commercial insurance is a must and will ensure your business operates smoothly when the unenviable occurs.
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[testimonial name=”Isreal Hartley” job_title=”Author” company=”My Insurance Guide” size=”small” type=”bubble”]
Isreal is passionate about finance, online marketing, travel and helping others increase their knowledge. My Insurance Guide was started over five years ago is one of the first insurance resources available online, free for all Kiwis to access.