Risk is part of doing business. The question is which risks you can afford to carry yourself, and which should be transferred to an insurer.
1. Fire and property damage
Damage to premises, stock or equipment can halt a business overnight. Property cover is foundational.
2. Business interruption
Even when assets are insured, lost income during downtime can be devastating. Business interruption cover bridges that gap.
3. Public liability
Claims by customers or third parties for injury or damage can be substantial. Liability cover protects against them.
4. Theft and burglary
Cover for stock, cash and equipment loss is essential for many trading businesses.
5. Key-person and group life
The loss of a key individual carries real financial risk; people cover addresses it.
A Moonstone risk review will tell you exactly which of these matter most for your business.
