E.coli’ fish bar had no public liability insurance

Unlike employers’ liability, public liability insurance is not a legal requirement, even for businesses selling food. And that came as something of a shock to several members of Wrexham Council, according to leaderlive.co.uk.

It was at a recent meeting of the council’s Environment and Regeneration Scrutiny Committee - dealing with the aftermath of an outbreak of E.coli cases in July 2009 - that they received the news. “This is an outrageous situation and we should take it up with the Welsh Assembly Government immediately” said Conservative member Lloyd Kenyon afterwards.

The outbreak was traced to the Llay Fish Bar which at the time was operated by Ramazan Aslan who is currently serving a jail term having admitted six food hygiene offences in a case brought by Wrexham Council. However, because Aslan had no public liability insurance and no personal assets, who was going to pick up the Council’s £24,300 legal bill? Fortunately for the councillors, the Food Standards Agency has agreed to do so.

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Small Business Insurance

So if you are businessman, then you must not delay about purchasing a suitable insurance plan for your business as you can never feel at ease without these insurance plans. These insurance plans are very important as they provide safety and security for the business insurance, irrespective of the size and turnover of the business. The success of your business does not depend upon your luck any more as it is more exposed o the risk factors that are always present in the life of the human beings.It is you who can ensure proper growth of your business. To make prosperity and success the other names for your business, you must provide it the safety cover in the form of small business insurance cover.

These insurance covers for the small business are available with various companies or agencies that are busily engaged in providing the safety coverage to these business establishments. However, you are only required to make suitable arrangement about its proper care and safety. As the owner of the small business, you are the right person to think and finalize the measures that are required for its safety and security.

your business are increasing almost every day

The risk factors that can cause severe damage to the interest of your business are increasing almost every day. These are many real life problems that can appear in front of you all of a sudden and they are so powerful that they can leave a long lasting effect on your business.

That is why you must keep an eye to get into the discussions. These discussions are certainly fruitful for you to understand the need of insurance policies for small factories and laboratories.

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The aspect of safety and security of your life and business

The evil time does not warn you before it set in. Keeping the aspect of safety and security of your life and business, you are required to understand and accept this fact of the human life and business insurance are under some strict threats and there is no way off fighting against them as they do not give you any opportunity to save them.

Actually, these threats are increasing almost each and every day. You must keep your eyes open and keep your attention focused towards the business as it is your child and you have the whole responsibility of nourishing it and taking care of it. It is important for you to take very good care of your business so that it will grow up and support you in the time to come.

Take adequate care of your small business to avoid real life risks

At present, the life of the people from all over the world is full of risks and these risks are real. It is possible that you have not faced any ill-luck till now but that does not mean that you will be safe all through your life.

Life is full of ups and downs and no one can forecast anything about the life. In the same way, the businessmen also face tremendous amount of ups and downs in their lives. Most of these business men accept the fact that it is really a tough task to run the business with smiles only. Sometimes, they faced tremendous amount of ill-luck too.

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SURGERY AND CLINIC INSURANCE

In today’s litigious world, a professional, even a doctor should take all sort of care to protect them from any kind of financial liabilities. Apart from taking insurance cover for themselves, they must also protect their workplace i.e. their clinic or surgery, the equipments, contents stored there etc. If you own asurgery and clinics insurance, in case anything happens to the premises during the natural calamity, fire, flood, and your insurance company will take care of the entire repair and rectify the necessary damages. Same goes for your expensive equipment, contents in the clinic and stock. If they are damaged in an attempt to theft, lost or anything untoward happens to them, the insurance company will help you by paying for either their repairs or buying new ones. You as an insured don’t have to worry about the finances.

A lot of insurance companies are offering surgery and clinic insurance policies which cover all the necessary aspects and that too in one comprehensive policy and at very competitive rates. You no more need to buy separate policies for everything at the clinic or surgery but just rest assured that you clinic or surgery is completely protected against any mis-happening.

RESTAURANT IINSURANCE

Having a restaurant is a great business, however like every other business; you must ensure that you carry an appropriate insurance for the smooth working of your business. Appropriate restaurant insurance will protect your business from any kind of liability suits and claims. Not only this, but it will also cover your for any kind of broken equipment, someone getting slipped at your premises, someone falling sick after having food at your restaurant etc. Also restaurant insurance can satisfy the banks too for loans and mortgages.

There are different types of restaurant insurances available which can be a great help for your business. Landlords insurance will protect you in case of a fire, natural disasters, floods etc. specially if you have any kind of a mortgage for your restaurant, you must buy this insurance. Another important insurance that you might consider is the liquor insurance for your restaurant. If any client drinks too much and hurts himself or someone else, then this insurance will protect you against any kind of claims made. Make sure to consult a knowledgeable insurance agent before you decide to buy insurance for your restaurant so that he can suggest you an appropriate one according to your needs and requirements.

SHOP/ RETAILERS INSURANCE

Those who have any kind of a retail space or shop, they must have certain types of insurances to protect themselves from any mishap in their premises. This is because of the fact that a large number of people visit the shop or the retail outlet on a regular basis. This can sometimes be a huge problem for the owners of the premises because whenever there are a lot of people present together, numerous chances can occur which can attract a lawsuits or a legal action like if anyone falls, any kind of illness or injury occurring at your premises etc. These are the times when you will really feel the need of having some kind of shop insurance so that you as an owner are protected against any kind of liability lawsuits by any visitor or as a matter of fact your own employees.

Your retail premises will often be holding a good amount of cash at all the times and there are heavy chances of theft too. So a suitable insurance will also protect you in case there is a theft, robbery or a staff fraud as it will compensate you for the lost cash. So it gets really essential to own suitable shop liability insurance for your shop or retail premises, no matter big or small.

DIRECTORS AND OFFICERS INSURANCE

In present times when the world has become more litigious and the people are feeling the need to protect themselves from the emerging situations, even the directors and officers of the companies can own directors policies to cater to their needs and requirements. Such policies are known as the directors officers insurance policies.

Many officers and directors do not actually realize the dangers open to them. They are completely prone to liability lawsuits from their employees, creditors, shareholders and regulators. Earlier people used to believe that because director is a very high post so they can get away with doing anything in the company but because of the transparencies in the systems these days, it is not so anymore. So to avoid the financial damages, the directors and the officers need a strong protection policy to safeguard their interests and avoid paying huge sums of money as claims and compensations in case they are sued.

PUB INSURANCE

Starting and operating a business without buying an appropriate insurance is an open invitation to failure and troubles in the long run. For buying an insurance cover for your pub, getting in touch with a knowledgeable insurance agent is the first step and getting insurance will ensure that your business is well protected against any kind of litigation or claim or loss and that it is completely well equipped to be passed onto your next generations. In the business like the bar or the pub, you can easily get into court cases with your clients, suppliers or over some financial issues. So buying a bar insurance cover will protect you from all these troubles.

If you have appropriate pub insurance, it will protect you against any kind of unfortunate event that might occur here. It will not only protect you but also those and their families who are dependent on your pub to earn their livelihood. This cover includes compensations, building fixtures, a liability cover and many more situations where you might need to pay out a huge sum of money to either defend your case in the court of law or to someone as a claim.

MANUFACTURERS INSURANCE

Manufacturers insurance is coming up as a new and a popular product in the insurance market. With this insurance the buyers can get financial cover from the manufacturer’s insurance company on the goods purchased. It gives protection against any kind of accidental damages of the goods, stock, business contents and even fixtures.

In case the goods get damaged while shipping, the buyers can file a claim against the manufacturer for the compensation. So, in this situation the manufacturer’s insurance cover will pay all the damages for the legal costs and the compensations too. Some manufacturers even offer great discounts if the goods are purchased under the manufacturers insurance cover. Also with this business insurance, you can get the repair of the defected goods done and that too with the manufacturers’ original parts. In some cases if the cost of the repair is more than 60% of the original cost of the part, the manufacturer insurance can get that replaced with the brand new original part. If the buyer suffers any kind of loss because of the defect in the purchased goods, then because of the manufacturers insurance, the buyer can get all his losses reimbursed also.

LANDLORDS INSURANCE

One of the best insurances that a property owner can have is the landlords insurance. In case the person, to whom you have rented your property damages it or does not pay the rents, the landlords insurance will recover all the losses for you and save you from running into huge losses.

If you have rented out your property and the major part of your monthly earnings come from its rents, then it is a very good idea for you to buy a landlord’s insurance cover. This insurance covers a landlord against the nonpayment of rents, damage to the property and also gives you a legal cover to defend your case in the court. It will also cover the landlords for damages due to lighting, storm, fire, explosion, flood, earthquake, theft or any other kind of malicious damage.

So, as a landlord yourself, if you want to make sure that your business is in good working condition, then you must buy a landlords property insurance to save yourselves from any untoward situation.

TRADESMAN INSURANCE

Be it a plumber putting in new pipes, an electrician putting the wires in a commercial complex or a builder building a building or any other tradesman, everyone has a fear of a number of risks in their profession and the main reason for this fear is about causing damage to the client’s property or any kind of physical injury to any person. Just one little mistake and you can end up paying huge amount of money and destroying years of your hard work and the hard earned money. This fear of losing your business gets even worst in the present litigious times when people who have suffered losses are any minute ready to sue you to claim their loss.

In this scenario, the best way to safeguard yourself and your business is to buy a tradesman Liability insurance policy. This cover will protect you from the costly claims made against you for negligence of work, personal injury to someone, eve your own employee, property damage, natural calamities etc. A general tradesman insurance policy is meant for plumbers, plasterers, builders, electricians, carpenters, decorators and many more such professional tradesman. The tradesman insurance policy protects you against any 3rd party claims as they are often very expensive, so it is always advisable to get a cover with at least a million pounds.

MANUFACTURERS INSURANCE

To get buyers a financial coverage from their manufacturers on the purchased goods, a new trend known as Manufacturers Insurance is coming up. Manufacturer’s Insurance covers have some of the most amazing features that include the monetary coverage in case of any damages on the vehicles, stock, purchased goods, fixtures and fittings.

With this insurance cover, the manufacturers give complete compensation to their buyers if the purchased goods get damaged while shipping and it also includes public liability cover on the purchased goods too. Under the manufacturers insurance, manufacturers also give very good discounts on their products. Having a manufacturer’s insurance cover, you can get the complete repairing of the defected goods. In case of the vehicle manufacturing, you can get the damaged part replaced with the original brand’s part. If you have bought the things under this insurance, you good are liable to be repaired at the authorized centers of the manufacturing company.

If you as a buyer suffer a great business loss because the good that you purchased were not up to the mark, then the manufacturers insurance will compensate you for your entire business loss.

For more details for the manufacturers insurance log onto towww.companyinsurance.co.uk

Why do Small Businesses Require Insurance?

Small business may not require that much invest to get started, but for it to succeed, you need dedication, hard work and good customer service. Managing your risks and minimizing them as far as possible is also a necessity.

If a discontented client files a lawsuit against you, claiming money for the loss or damage you may have caused, it could be very difficult to pay the huge amounts from your on pocket. A good insurance can cover you for all such risks and also provide you with the peace of mind helping you to concentrate on your professional goals.

Therefore, at Small Business Insure, we enable are customers to obtain comprehensive insurance at cheap, affordable prices. You can apply online & enjoy savings of up to 15%.We promise protection in every conceivable way for your business and help you tackle all the hassles by arranging the right insurance cover for you.

If you need further help or advice, our business insurance experts are on hand to answer your queries Monday - Friday 9.00am-5.30pm. Simply dial 0161 833 2100. You could also email us at info@companyinsurance.co.uk.

Tips to lower the cost of Landlords insurance

Being a property owner you are free to either rent or lease out your property to tenants for more income. In order to safeguard your income coming from these properties, you can get benefitted with the landlord insurance to minimize the hazardous instances.

Landlord insurance protects landlords or landowners from paying exorbitant costs for repair or damages to their personal property from different causes like fire, smoke, airline and automobile impact, and hailstones etc.

Still if you think these landlord insurances are costing you beyond your limit, then don’t worry. Anyone unfamiliar to the insurance industry may get confused that is why the need is to smartly choose the landlord insurance at the lowest possible price. In case you had already taken landlord insurance way back, then also you may decrease the price.

Following are the important tips to follow in order to lower the price of the policy:
• Pay your sincere attention while choosing a tenant.
• Try to avail the coverage for business interruption
• Avoid tenants those who are still studying, or keep pets with them, or are either self-employed or unemployed.
• Ensure your protection from accidental injuries of renters staying in your property.
• Most importantly, do not forget to properly enquirey before finalizing an insurance policy provider.

GENERAL BUSINESS INSURANCE

Most of the companies need to buy general business insurance before starting their business. Even a single lawsuit, either from an employee or a disappointed client, may easily put your new small business in a high financial risk. Buying a general business insurance which also includes property as well as liability insurance will ensure that your new business can prosper without any kind of a risk to its reputation or its financial status.

General business liability insurance is one that no business can do without. As you are a businessman, you are well aware of the everyday uncertainties of the business and its management. A general business insurance covers not only the legal fees needed to defend the case but also all kind of medical expenses and other damages such as claims when you are held liable for a certain mishap. As every business has its unique needs and requirements, the general business insurance can also be altered according to your needs.

SHOP LIABILITY INSURANCE

Shop Liability insurance for shops will cover you for all the business fixtures, equipments and fittings in your shop or office. These fittings and fixtures also include display stands, shelving, chiller cabinets and other such contents against damage due to theft, floods or fire. Some insurance does not give the glass cover for the windows and glass doors as they are considered high on risk and even if they do, the premium for the policy goes a little higher.

The entire content lying in your shop plays a major role for your business and if it is damaged for any reasons, the customers will not visit you and you will lose business. So, if you do not have an appropriate Shop Insurance, how will you replace all of it? It will cost you a lot of money and you may even think of closing down your business. To completely avoid getting into this kind of a situation, it is a must to own this Shop Insurance as all the damaged contents will either be replaced or repaired, as per your policy limits, by your insurance company and you can easily think about expanding your business without any worries. You can even extend the cover and also get a cover for all the cash lying in the shop at all times and it will protect your cash against any theft by someone else or even your own employees.

SHOP / RETAIL PREMISES INSURANCE

Owning a shop or a retail premises is entirely different than working from home or an internet based business. While you run a shop, you come in contact with the members of the public in large number on daily basis. This exposes your business to get sued more than anyone else as the society today is becoming more and more legally aware and hence litigious. So before you buy a shop premises or sign a lease deal for taking it on rent, you must ensure that you have a proper shop or retail premises shop insurance in place.

There can be lot of reasons why you might need the shop insurance. As you have a shop, the entire idea is for the public to visit your premises is to buy things from your shop. The customer might trip in the aisle, can get hurt and you might end up getting sued. Some people have even made it a business to come into shops, trip over something, sue the owner and claim a huge amount of money. So you need to safeguard yourself from these scammers too. There is a lot of cash lying in the shop, so you have to protect yourself from any kind of fraud or theft too. Including these, there are many other reasons too. So, it is always advisable to get in contact with a highly knowledgeable insurance agent and get an appropriate insurance cover for you shop or retail premises before you start your business.

OFFICE INSURANCE

Just like you take insurance for your cars, office insurance is the one that protects your office premises against any kind of damage from any natural calamity, fire, theft etc. However, unlike your car insurance, the office insurance is not mandatory. There is not legal requirement for you to buy this insurance but it is always advisable to do so as you have spent a major chunk of your finances in either building the premises or you are paying a high commercial rent for the office and obviously, you will not want to waste that money should any kind of damage happens to the premises. .

A standard office insurance policy protects and replaces everything that is in your office premises if it gets damaged, stolen or destroyed due to any reasons. Not all the companies provide glass cover to protect the windows and glass doors of your office as they are considered high risks. The office insurance cover will also cover you in case your office is under repair or for any other reasons, you are not able to use it for some time and you end up losing revenue.