Business Insurance for a Ltd Company

[worchyld]

We've recently set up a limited company. Would someone help us identify what is *legally* needed for insurance?

We operate a new media and marketing agency, operating out of an office.

Do we *really* need:
* Professional Indemity Insurance?
* Public Liability Insurance?
* Business assets, equipment and office contents insurance?

We are not planning to employ anybody until next year.

Who are the best people to get a quote from for these insurance areas?

Is there a company that offers an all-in-one business insurance service?

Thank you.

[Statler]

Hi,

You might find this interactive tool from Business Link of use:

http://www.businesslink.gov.uk/bdotg...cId=1075196424

[JamieM]

Hi,

The best place to get a quote for your business is from a local Commercial Insurance Broker. They will be able to advise you on all of the necessary cover required and I suspect that they will recommend an 'Office Package' policy which incorporates a number of different types of cover under the one policy. Normally Property and Liability with some other optional covers.

All the best!

[worchyld]

Thank you very much for your help.

[1stforfurniture]

I have my insurance through a company called your insurance group, and they are brokers for AXA policies.
I'd recommend making sure you are covered for all the aspects you mention, you may be surprised how little it costs!
for example, i have both employers £5m and public liabilty insurance £10m, plus stock of £20k covered on my policy, for £29 inc the interest i get for paying over the year. For £1 day, it is better to be safe then sorry!

Sarah

[DancingBear]

Hi there,

I think I can help. I'm currently working for a business insurance provider. They operate by doing an online comparison, which provides the consumer with a comprehensive list of various business insurance providers with each of the respective quotes. I hope this helps but if you have any questions please just let me know, as I've gained a good insight of the business insurance industry and I'm happy to help.

All the best!

www.constructaquote.com