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There are a range of insurances that may need to be considered if you are running a business. They can be broken up into two broad categories: Life Risk Policies and General Insurance.
Insurances that commonly come under the Life Risk banner are as follows:
Total & Permanent Disability
Key Person Insurance
It is, perhaps, a normal reaction to face the possibility of tragic personal loss with ”it won’t happen to me”. No one wants to die, become disabled or suffer a serious illness.
The danger with this ”normal” reaction is that the ”what if” scenario is dealt with in the same way. It’s uncomfortable to think about, so ”doing something” about it may be a half-hearted or poorly thought out solution. Simply buying a life insurance policy just may not be the answer.
Our approach to insurance is to have the ”what if” talks with you. To help you visualise what the financial situation that you or you family would face and most importantly, what you would like it to be. We then take that and quantify what your protection plan should be.
General Insurance is mainly to do with cover over commercial and domestic property and business specific insurance such as public liability, product liability and professional indemnity.
We at Insight Accounting have access to a vast range of products to ensure that all your needs are met and we match it up with the highest level of professional service.