At constructaquote.com we are Welsh insurance brokers and proud of this fact – but not so proud that we draw any lines at the border, as we help businesses just like yours with their insurance needs the length and breadth of the UK.
We offer an online quote comparison service that gives you immediate access to cost-effective, relevant cover. This is backed up with our team of South Wales insurance broking experts who are on hand to take your telephone calls and provide quotes, assistance and advice when you need it.
Plus we also offer a truly personal service via our business managers Simon and Richard. They conduct business on our behalf by visiting clients for face to face meetings in Wales (and England too) at which specific, individual needs and requirements may be assessed and tailored to the particular circumstances of any small business.
It is this working together which helps to identify suitable cover for your business – at competitively priced premiums.
Why use contructaquote.com?
It might come as something of a surprise to discover how wide is the range of risks to which your small business may be exposed. For each of those risks, fortunately, a tailor-made insurance product is likely to provide the protection and safeguards you need.
Protecting the core of your business with business buildings and contents insurance cover.
If you own the premises from which you are conducting your business – whether that be a shop, restaurant, workshop or office space – there are the bricks and mortar of the building itself to think about.
Building insurance is designed to protect the structure and fabric of your property against potentially serious and damaging risks such as fire, storm damage, flooding, impacts (from vehicles, falling branches and tree or aircraft, for example).
The total building sum insured is typically sufficient to cover a worst case scenario in which the entire property needs to be rebuilt after a particularly serious incident.
Even if you are leasing the building, you may still want to protect what is likely to have taken a significant investment in equipping and fitting it out. Any tools of your trade – which you might keep on the premises or take out and about with you in order to get the job done – may also represent a valuable asset, without which you might be unable to do your work.
Contents insurance is designed to protect whatever assets you have within the premises and contractors all risks insurance might provide the additional safeguards you need when working on one or more construction sites.
Following an insured risk, it may be impossible to serve customers in your shop or restaurant, whilst the theft of essential plant or tools might make it temporarily impossible to get the work done. In cases such as this, business interruption insurance may provide financial compensation for the income you may have lost.
You might be surprised to discover quite how many liabilities you may face
Amongst some of the most serious threats to the financial health of any small business come in the shape of liability claims.
Perhaps the most common is the public liability claim, which might arise if one of your customers, a visitor to your premises or a member of the public is injured or has their property damaged in the course of your business activities. Claims may be substantial and it is common for public liability insurance to cover at least £1 million in claims.
You are also responsible for the fitness for purpose of any of the products you supply, either on a retail basis or as part of the services you offer. Your product liability remains a risk even though the goods you are supplying may also be covered by any manufacturer’s warranty.
If you sell your services rather than products, you may be sued for any breach of professional liability, if the advice, recommendations, drawings or designs you produce cause your customer some financial loss – or, still worse, if your professional advice results in an injury to someone.
The final word on liabilities might be those you face as an employer. If you employ anyone – whether they are paid or not and subject to only a very few exceptions – the law requires that you have a minimum of £5 million of cover against the eventuality of any employee being injured or contracting an illness or other medical condition as a result of their work for you.
If you visit your customers, your car or van is imperative to your job. Making sure you have affordable cover that protects not only your vehicle, but the contents inside it too will ensure your business keeps running smoothly, no matter what happens.
If you are a small or medium sized enterprise looking for essential insurance cover, you might be looking for the ease, convenience and immediate response of an online quote comparison service, yet one that is also capable of providing a personal service from real people.
This is the service we are proud to offer at constructaquote.com.