There are many types of business insurance, and it’s important to understand the types of insurance which may be suitable for you, and what this will cover you for. PJT offers referrals to insurance brokers, who will provide you with independent advice and supply the most appropriate product recommendation for your needs.
Dealing with Insurance companies directly will not necessarily give you the best product, an independent broker works for you – not the insurance companies – so they will recommend based on what is best for you and your business.
The most common types of insurance for business owners include:
GENERAL BUSINESS INSURANCE
Offers overall protection against a variety of risks for businesses in all industry sectors for property, business interruption, liability, glass breakage and general property. Some insurers can also offer extensions to cover tax audit, good in transit, employee dishonesty and motor trades.
PROFESSIONAL INDEMNITY INSURANCE
Ideal for any business offering professional services or advice, Professional Indemnity Insurance can protect you or your staff from the legal costs and claims for damages arising from a breach in professional services, provided in the course of your business. This is a specialised field of insurance, and advice should be sought on the best policy for your circumstances.
PUBLIC LIABILITY INSURANCE
Public and Products liability is one of the most important insurances that any small business can have. It is designed to protect businesses from causing property damage or personal injury to other people.
LIFE, RISK, TRAUMA, INCOME PROTECTION INSURANCE
No matter what your situation, life insurance can provide you with peace of mind knowing that if something were to happen to you, your family and loved ones would be taken care of.
CYBER AND AUDIT INSURANCE
Specialist insurance policies to combat the impact of cyber attacks, and the cost of tax audits. Some general business policies can include these, otherwise you can take out independent insurance coverage against these risks.
PJT can refer you to one of our insurance specialists to guide you on the best coverage for your needs.
Talk to PJT's specialists today about how we can help you and your business.
What Client's Say
"PJT has always provided exceptional accounting service and advice relating to business operation, planning, taxation, investment and more.",
"The principals and staff are always approachable and display a sincerity in your business and situation.",
"PJT have made our life of running our own business much easier, knowing they are up to date with the latest in tax laws, and happy to help out with any queries we have,