Understanding Insurance Protection Against Business Risks

Your enterprise may be exposed to various risks, regardless of the type of business you are in. When you are operating as a sole trader or small enterprise in the UK, you may not be aware of the differences in commercial policies, which are designed to protect your assets from lawsuits, but you should have an understanding of them. When you deal with the general public, you need to adequately protect your growing company and if a customer is injured because of your employees, products or an accident on your premises, your liability might become more obvious, in the form of a lawsuit for damages.

You may not be aware of the risks associated with employees on the roadways in the UK or those that are visiting your clients, at their places of business. It is possible your company assets can still be placed at risk, even though it is not at your location. This can become confusing for some new business owners and just because you may not have many customers or many employees, you are not at less risk, in certain cases.

You can find premiums that are economical, yet they allow you to operate without worry. For this reason, it is important that you get expert advice from professionals in the insurance industry, if you are unaware of the types of cover you need. Independent brokers are the solution to many commercial policies because they have access to the major carriers. When you need to get tailored quotes for the most affordable premiums on your general or public liability insurance, they should be the first people you get in touch with.

A trained and knowledgeable industry insider can provide you with the best solution for your company’s public liability insurance or PLI. While it might be considered the minimum protection for your business, it is an essential part of every commercial policy. It will protect your business interests from lawsuits that are brought by those that sustain injury or damages that are claimed to be the fault of your company.

While it only protects you from the claims made by customers or third parties, it is possible to obtain cover for employee liability, your stockholders and even, your products can be protected. If you manufacture products, you may be the target of frivolous product liability lawsuits and you should consider these types of policies to cover your expenses and pay for damages, if they are awarded.

An independent broker can represent many major and not-so-major insurers, making them the perfect solution to find a tailored commercial policy. It doesn’t matter how large or how small your operation is, you can still be open to claims from your customers, without any fault of your own. These legal battles can be expensive and your assets can be placed at risk, so you need a total solution, which gives you peace of mind. For this reason, most commercial entities will consider the services of an independent broker to help them obtain protection, because they are unbiased industry insiders that offer the best advice regarding public liability insurance.

Heike Ziegler

HEIKE ZIEGLER – YOUR #1 MARKET MULTIPLIER & BRAND MAGNIFIER Heike Ziegler is Founder and CEO of HZH International Brandconsulting UG and CELEBRITY BRAND MOVEMENT a company of HZH INTERNATIONAL BRANDCONSULTING UG specializing in brand, market and business development of brands, retailers and technology service partners in the fashion & lifestyle industry. Heike´s goal is to help you achieve brand-performance and enter new markets faster and easier than you ever imagined. As a veteran fashion designer with an international background, Heike masters complex topics such as the organization of an Omni-channel platform from the ground up and the implementation of new technologies as a service. Future-oriented trading strategies are made possible through advanced automated marketing and the analysis of the difficulties of users (brands & retailers) with a focus on the development and expansion of their intensive B2B relationships. Heike Ziegler provides solutions to strengthen the business performance of hundreds of fashion brands and retailers across Europe, from support through dedicated service networks and data conversion from marketing to providing a complete retail platform for brands and retailers to bring about long-term results. HZH-IBC serves as a platform for e-commerce, web application services/professionals, and for the creation of automated online marketing for the development of Omni-channel e-commerce solutions and trade applications for brands and retailers in the fashion & lifestyle sector. To transform the HZH-IBC platform into a marketplace where fashion and lifestyle brands meet with the trade for the successful sale of products and the joint business development, existing co-operations are being expanded and new partnerships are being developed. If you have any questions about Heike Ziegler success strategies and services, please email hzh@internationalbrandconsulting.com or call +49-172-913-999-5 or skype heike.ziegler60.