You need to identify all potential risks to your business, including natural threats such as weather-related events, crime, accidental damage and legal liabilities.
Decide which risks are most likely to occur – and which will cost your business the most money. You can tailor your insurance accordingly, but should always insure:
- Plant, machinery and equipment;
- Business interruption cover;
- Computers and other office equipment;
- Motor vehicles;
- Legal liabilities.