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The 4 Most Commonly Under-Insured Commercial Policies

Under-Insured company’s assets are being valued and insured at less than their true worth, leaving you inadequately protected. Therefore, in the event of a disaster, you would be compensated for less than the true value of your loss. Any commercial policy can be underinsured but insurance experts identify the following as the most common areas of concern: Buildings: An estimated 80% of UK commercial properties are underinsured according to a recent survey. Failing to regularly reassess the value of your property and adjust your policy accordingly could lead to your business being......

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Property Insurance Tips

Property insurance provides protection against most risks to property, such as fire, theft and some weather damage. This includes specialised forms of insurance such as fire insurance, flood insurance, earthquake insurance, home insurance, or boiler insurance. Key takeaway – understanding property insurance There are five types of property insurance coverage tips: replacement cost, actual cash value, and extended replacement costs. Replacement cost Covers the cost of repairing or replacing property at the same or equal value. The coverage is based on replacement cost values rather than the cash value of items. Actual......

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Protecting Employees From Coronavirus

Coronavirus is a family of viruses that cause illnesses ranging from the common cold to more severe diseases. Common signs of infection include headache, fever, cough, sore throat, runny nose and breathing difficulties. In more severe cases, the infection can cause pneumonia, severe acute respiratory syndrome, kidney failure and even death. Individuals who are elderly or pregnant and anyone with pre-existing medical conditions is at the greatest risk of becoming seriously ill from coronaviruses. How Does Coronavirus Spread Although the current coronavirus outbreak likely resulted from people who were exposed to infected......

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Importance of Renewing Your Fleet Insurance

The importance of having fleet insurance is to protect your vehicles around the business, making sure that it is covered for theft, fire, vandalism, accident and more. For a business that operates a fleet of vehicles. Keeping them running smoothly on a day-to-day basis is an important job. However, this is a crucial insurance policy to have as it can be dealt with promptly. What is Fleet insurance! Motor fleet insurance allows a business to buy insurance coverage for all vehicles in the fleet with one single policy. Furthermore, this allows businesses......

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Importance of Renewing Your Business Insurance

Businesses need business insurance renewed as it helps cover the costs associated with property damage and liability claims. Without business insurance, company owners may have to pay out-of-pocket for costly damages and legal claims against their company. As a company owner, you may be asking yourself, “is business insurance required? why is this important?” All businesses should have business insurance as it helps protect their organisations or companies, these could include: Type of work you do Your physical premises Property and equipment Intellectual property Employees and customers Commercial combined    Not to......

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