Commercial insurance is an umbrella term for insurance. This covers you, your business, your property, your employees, and any customers. Therefore, you are protecting anyone who comes into contact with your business.
What types of commercial insurance are available?
At Michael McCulloch Insurances, we offer a range of commercial insurance policies for several commercial settings. These include:
- Shops
- Pubs/restaurants
- Offices
- Farms
- Tradesmen
- Catering
Not only this, our expert team at Michael McCulloch have the extensive experience and knowledge to help you protect your business. We offer a range of covers, such as:
Employer and Public Liability
We offer commercial insurance policies for employers and their public liability. This covers business owners against any claims. These may be made from members of the public who have been injured or otherwise whilst in contact with your business. Insurance claims made against your business can damage both your reputation and your finances. This means the life of your business might be threatened if claims are made against you and you are not properly insured.
Cyber Risks
Michael McCulloch Insurances can also cover you against any cyber risks that might occur. These can put you at risk of data breaches or software hacks. According to PurpleSec, cyber crimes increased by 600% during the pandemic. Therefore, protecting your business against potential cyber risks has never been more important.
Professional Risks
Of course, these risks are unique to your industry and working environment. As experts in our field, we can identify any potential risks you might not already be aware of in the workplace. Depending on your industry, professional risks can include damage to your office equipment as well as your staff. Many employers invest a lot of money into their office equipment. This equipment also comprises computer and mobile technologies. Ensure your investments are correctly protected against accidental damage or theft.
Commercial Combined
We offer a range of combined commercial insurance covers. Our insurance covers include any combination of the above policies suited to your needs. We ultimately know that every business has individual needs. Therefore, we understand the importance of offering flexible insurance policies for a range of needs. For example employer liability and personal accidents.
What do I do next to secure commercial insurance?
We know that all businesses are unique and have specific needs and environments. Therefore, our team in Northern Ireland works tirelessly to provide the perfect solution to your business’ potential risks. That way, you can leave our office confident that you are protected in the long term.
If any of the above information interests you, do not hesitate to contact a member of our team. You can do this by visiting our website, giving us a call, or sending an email.
info@michaelmccullochinsurances.co.uk
