{"id":184522,"date":"2023-11-29T22:52:18","date_gmt":"2023-11-29T22:52:18","guid":{"rendered":"https:\/\/legalvision.co.uk\/?p=184522"},"modified":"2024-05-07T05:25:29","modified_gmt":"2024-05-07T04:25:29","slug":"business-insurance-risk","status":"publish","type":"post","link":"https:\/\/legalvision.co.uk\/corporations\/business-insurance-risk\/","title":{"rendered":"How Can Business Insurance Protect Your Business From Risk?"},"content":{"rendered":"\n<p>As a business owner, you will face several risks during your business journey. Whilst this can be worrying, there are actions you can take to protect your business from risk. One critical step to take is to put in place business insurance. Depending on the type of business you are operating and the risks it faces, putting in place insurance can give you comfort when trading. It can also help protect your business from unexpected risks and liabilities in the future. This article will explore how business insurance can protect your business from risk.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why is Business Insurance Important?&nbsp;<\/h2>\n\n\n\n<p><a href=\"https:\/\/legalvision.co.uk\/corporations\/what-is-business-insurance\/\">Business insurance<\/a> is a crucial risk prevention tool whereby an insurer will pay your business out if it suffers financial loss in certain circumstances.\u00a0<\/p>\n\n\n\n<p>Various types of insurance policies are available, depending on the type of business and its activities. By entering an insurance policy, the insurer will agree to pay your business certain sums if an insured risk occurs, which is covered by your policy.&nbsp;<\/p>\n\n\n\n<div  class=\"box box--icon box--info\">\n    <p>Business insurance can protect your business from unforeseen liabilities you may not have expected, such as unexpected legal claims and losses resulting from data breaches. In the worst case, insurance coverage could even save your business if a catastrophic event occurs, such as a fire or flood, which prevents your business from operating.<\/p>\n<\/div>\n\n\n\n<p>You should regularly review and update your insurance coverage where required. If your business changes its activities, it may need a different type of cover to protect against new potential risks.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What Insurance Does a Business Need?&nbsp;<\/h2>\n\n\n\n<p>Insurance policies can be highly complicated and contain many provisions and caveats. Before taking out insurance, you should always ensure you understand the terms of the policy.&nbsp;<\/p>\n\n\n\n<p>If you are unsure whether an insurer\u2019s policy covers the risks you are concerned about, it is a good idea to seek advice from an insurance broker. A broker can:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>provide bespoke recommendations on your business;<\/li>\n\n\n\n<li>alert you to the risks your business might be exposed to; and&nbsp;<\/li>\n\n\n\n<li>clarify the type of insurance cover to put in place to mitigate those risks.&nbsp;<\/li>\n<\/ul>\n\n\n\n<div  class=\"box box--icon box--info\">\n    <p><a href=\"https:\/\/legalvision.co.uk\/employment\/employers-liability-insurance\/\">Employer&#8217;s liability insurance<\/a> is a legal requirement for employers in the United Kingdom. Most other policies are optional. However, even if certain insurance is not strictly mandatory, it can still be highly beneficial in certain circumstances.<\/p>\n<\/div>\n\n\n\n<p>You should consider taking out insurance at the start of your business journey to help ensure you are protected from the time you begin trading.&nbsp;<\/p>\n\n\n    <div class=\"my-7 lg:my-10 border-y-2 border-gray-100 py-7 lg:py-10 flex flex-col sm:flex-row items-start gap-10\">\n                    <img decoding=\"async\" class=\"w-52 mx-auto my-0! rounded\" src=\"https:\/\/img.legalvision.com.au\/wp-content\/uploads\/sites\/4\/2023\/01\/13013547\/buying-a-business-560x792-1.jpg\" alt=\"Front page of publication\"\n                 loading=\"lazy\" width=\"208\" height=\"298\">\n                <section>\n            <div class=\"text-2xl font-bold\">Buying a Business: Guide to Negotiating Terms<\/div>\n            <div class=\"body-text\">\n                <p>Buying a business? Download this free guide to help you negotiate key terms like price, stock, and employee entitlements.<\/p>\n            <\/div>\n            \n\n<a href=\"https:\/\/go.legalvision.co.uk\/buying-business-guide.html\" class=\" block px-5 py-3.5 max-w-fit bg-orange button__hover transition rounded text-white font-bold text-lg no-underline uppercase leading-tight text-center\" target=\"\" rel=\"\">Download Now<\/a>        <\/section>\n    <\/div>\n\n\n\n\n\n<a href=\"#content-next\"\n   class=\"block p-4 mt-10 text-xl font-bold text-center text-white no-underline bg-gray-800 rounded-t-xl\">\n    Continue reading this article below the form\n    <i class=\"text-xl fa-regular fa-arrow-down\"><\/i>\n<\/a>\n<div class=\"px-6 pt-10 pb-12 mb-10 text-center bg-gray-100 rounded-b-xl sm:px-12 test\">\n    <div class=\"mb-8 text-2xl font-bold text-orange\">\n        Need legal advice?\n        <br>\n        <span class=\"text-lg not-prose\">\n                            Call <a 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For example, as a supplier of products or services, you are likely to often negotiate <a href=\"https:\/\/legalvision.co.uk\/commercial-contracts\/limitation-liability-clause\/\">limitation of liability clauses<\/a> with your customers as part of contract negotiations.&nbsp;<\/p>\n\n\n\n<p>Understanding how your insurance coverage will protect you in the event of a claim may influence how much liability you are willing to accept in your customer contracts.<\/p>\n\n\n\n<p>Some business customers may also:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>insist on seeing copies of your insurance coverage; or&nbsp;<\/li>\n\n\n\n<li>require your contract to specify the levels of insurance coverage you agree to maintain.<\/li>\n<\/ul>\n\n\n\n<div  class=\"box box--icon box--info\">\n    <p>If you would like advice on your insurance policies and how they could impact your commercial agreements, you seek advice from an experienced commercial lawyer. A lawyer can also help interpret the policies you have in place and advise you on whether you can make a claim when required.<\/p>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Common Types of Insurance That Can Protect Businesses<\/h2>\n\n\n\n<p>It is essential to understand the types of insurance coverage available and consider which policies to choose to protect your business from risk.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td><strong>Type of Insurance<\/strong><\/td><td><strong>Explanation<\/strong><\/td><\/tr><tr><td>Employer\u2019s Liability Insurance<\/td><td>As an employer, you must have employer\u2019s liability insurance in place. You are legally responsible for the <a href=\"https:\/\/legalvision.co.uk\/commercial-lease-property\/health-safety-lease\/\">health and safety<\/a> of your employees when they are at work. Employer\u2019s liability insurance can cover compensation claims made by employees resulting from work-related injuries. If you have staff, this cover is vital.&nbsp;<\/td><\/tr><tr><td>Professional Indemnity Insurance<\/td><td>This is vital insurance coverage for businesses that provide professional advice. This can protect your business against claims regarding negligence or errors in your advice. This is mandatory for certain professionals, such as solicitors. This can be of great benefit, for example, if a client brings a negligence claim against your business and the claim&#8217;s value is high.&nbsp;<\/td><\/tr><tr><td>Business Interruption Insurance<\/td><td>This policy can help your business replace its income if an unexpected event prevents you from carrying out your business as usual. Most policies will likely cover business interruption you suffer due to damage to premises or equipment caused by fires or flooding. This could be extremely important in the event of a disaster.&nbsp;<\/td><\/tr><tr><td>Cyber Insurance<\/td><td>Cyber threats and data breaches are a high risk for most businesses in today\u2019s digital world. Cyber insurance can protect your business against these risks, for example, if a hacker causes a significant data breach.&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<figure class=\"wp-block-embed is-provider-youtube wp-block-embed-youtube\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"[UK] GDPR: Ensuring Your Business is Compliant | LegalVision\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/98d-R2VQoAk?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Key Takeaways<\/h2>\n\n\n\n<p>Running a business comes with risks, many of which could be unexpected liabilities that could arise at any time due to external factors. By implementing appropriate business insurance, you can help mitigate those risks and focus on growing your business. If you require advice on which types of insurance your business would benefit from, you should consult an experienced business insurance broker for support.&nbsp;<\/p>\n\n\n\n<p>If you need legal advice on protecting your business from risk, our experienced <a href=\"https:\/\/legalvision.co.uk\/corporate-lawyers-lp\/\">commercial lawyers<\/a> can assist as part of our LegalVision membership. For a low monthly fee, you will have unlimited access to lawyers to answer your questions and draft and review your documents. Call us today on <a href=\"tel:+448081968584\" class=\"AVANSERnumber dynamic-number\">0808 196 8584<\/a> or visit our <a href=\"\/membership\">membership page<\/a>.<\/p>\n<div class=\"not-prose m-feedback-prompt\">\n    <!-- Thumbs up\/down bar -->\n    <div class=\"m-feedback-prompt__main\">\n        <div class=\"m-feedback-prompt__title\">Was this article helpful?<\/div>\n        <div>\n            <!--span class=\"m-feedback-prompt__button--text\">Thanks!<\/span-->\n            <button type=\"button\" class=\"m-feedback-prompt__button m-feedback-prompt__button--yes\"\n                    data-analytics-link=\"feedback-prompt:yes\" aria-label=\"Agree\">\n                <i class=\"fa-regular fa-thumbs-up fa-3x\"><\/i>\n            <\/button>\n            <button type=\"button\" class=\"m-feedback-prompt__button m-feedback-prompt__button--no\"\n                    data-analytics-link=\"feedback-prompt:no\" aria-label=\"Disagree\">\n                <i class=\"fa-regular fa-thumbs-down fa-3x\"><\/i>\n            <\/button>\n        <\/div>\n    <\/div>\n\n    <!-- Feedback form -->\n    <div class=\"m-feedback-prompt__form\">\n        <div class=\"m-feedback-prompt__form--thanks \">\n            <div>Thanks!<\/div>\n            <p>\n                We appreciate your feedback \u2013 your submission has been successfully received.            <\/p>\n        <\/div>\n        <form id=\"contact-form\" class=\"m-feedback-prompt__form--form\" action=\"\" method=\"post\">\n            <input type=\"hidden\" id=\"authenticity_token\" name=\"authenticity_token\" value=\"9eb4f72322\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/api\/wp\/v2\/posts\/184522\" \/>            <input value=\"https:\/\/legalvision.co.uk\/corporations\/business-insurance-risk\/\" type=\"hidden\" name=\"currenturl\"\n                   id=\"currenturl\">\n            <input value=\"How Can Business Insurance Protect Your Business From Risk?\" type=\"hidden\" name=\"currenttitle\"\n                   id=\"currenttitle\">\n            <label>\n                <!-- display on thumbs-up -->\n                <span class=\"m-feedback-prompt__feedback m-feedback-prompt__feedback--yes\">\n                    Can you tell us <span class=\"font-semibold\">why<\/span> you found it helpful?\n                <\/span>\n\n                <!-- display on thumbs-down -->\n                <span class=\"m-feedback-prompt__feedback m-feedback-prompt__feedback--no text-lg\">\n                    How can we better improve this article?\n                <\/span>\n                <textarea name=\"feedbackmessage\" id=\"feedbackmessage\" required><\/textarea>\n            <\/label>\n\n            <div class=\"m-feedback-prompt__form--error\" id=\"form-submit-error\"><\/div>\n            <button id=\"submit-contact-form-button\" type=\"submit\" name=\"commit\" class=\"m-feedback-prompt__form--submit\"\n                    data-analytics-link=\"feedback-prompt:submit\">\n                Submit            <\/button>\n        <\/form>\n    <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>As a business owner, you will face several risks during your business journey. Whilst this can be worrying, there are actions you can take to protect your business from risk. One critical step to take is to put in place business insurance. Depending on the type of business you are operating and the risks it<a href=\"https:\/\/legalvision.co.uk\/corporations\/business-insurance-risk\/\">Continue reading <span class=\"sr-only\">&#8220;How Can Business Insurance Protect Your Business From Risk?&#8221;<\/span><\/a><\/p>\n","protected":false},"author":13436,"featured_media":623,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"179525,1325,174938,2411,183080,2395","_relevanssi_noindex_reason":"","editor_notices":[],"footnotes":""},"categories":[28],"tags":[1230,1419,1421,1615],"class_list":["post-184522","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-corporations","tag-insurance","tag-insurance-policy","tag-business-insurance","tag-business-risk"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How Can Business Insurance Protect Your Business From Risk? 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