Public Liability Insurance

Whilst not a legal requirement for most businesses*, Public Liability Insurance is highly recommended by the Department of Work & Pensions. The insurance policy covers your company for any harm or damage inflicted on the public or your customers whilst on your premises or visiting theirs. Whether you have a shop, studio, factory or office, a simple on-site accident could be enough to bring an SME to its knees financially without proper coverage. The clients of most B2B companies will insist on proof of Public Liability Insurance in order to limit their own risks and lower premiums.

* Mandatory for horse/animal riding businesses

Professional Indemnity Insurance

Professional Indemnity Insurance is especially useful for companies offering a knowledge or skill based service e.g. IT support, consultancies, architects and even cleaning services. It protects your business from cases of negligence, such as providing incorrect/misleading information or making an incorrect calculation. Innocent mistakes can still result in your clients losing significant money, which they will then try to claim off of you. Many regulated professions require a business to have PII coverage such as solicitors and accountants, other professions such as PR and advertising agencies do so more as a standard practice.

Van Insurance

Insurance is not only a legal requirement for commercial vehicles, the right policy can also save your business from considerable unexpected costs and legal fees. Accidents can happen with even the most experienced of drivers behind the wheel and there’s no telling what could happen whilst the vehicle is unoccupied. RK Insurance presents the most trustworthy and professional van insurance providers we can find, giving you a safe and confident choice of insurers.