Business Insurance

 

Business Insurance, convictions, criminal records and bankruptcy

 

There are many different types of business insurance designed to protect your commercial enterprise from a wide range of potential risks.  When endeavouring to start a small business, it is essential that you make sure you have the correct business insurance cover to suit your needs.

Obtaining the right type of business insurance at competitive prices can be a chore in itself – but what happens if you have past criminal convictions, IVAs or a previous bankruptcy impeding your attempts to purchase business insurance and make a new start in your life?  

 

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If your criminal record or bankruptcy is preventing you from obtaining business insurance for your new venture, you are not alone.  At present there are over 8 million ex-offenders and ex-bankrupts within the UK facing similar refusal of basic insurance services. Many insurers refuse to provide business insurance once criminal records, convictions or bankruptcies are disclosed.  However, failing to disclose these facts when applying for a quote may render your business insurance policy void, leaving you with a major problem in the unfortunate event of a claim.  So what can ex-offenders and ex-bankrupts do?

Specialist insurance providers may hold the key.

SIS are specialist insurance brokers, dedicated to finding the most competitive quotes for business insurance, car insurance and home insurance.  You can feel comfortable in disclosing all previous convictions, bankruptcies and IVAs, but remain safe in the knowledge that you will be paid out in the event of a claim.

If you have previous convictions, IVAs or bankruptcy and are looking for business insurance, call SIS today on 0161 969 6040 or contact us by email using our contact form

 

Some of the different types of business insurance are discussed below:


Public liability insurance

Public liability insurance policies protect your business against third party claims made by members of the public (clients/customers etc) who have sustained injury or illness as a result of your business activity.  Click for more information on public liability insurance.


Professional indemnity insurance

Professional indemnity insurance policies cover your business for claims made by clients for financial losses resulting from advice your company has given, or work your business has provided.


Employers Liability Insurance

Employers liability insurance covers the policy holder should an employee become injured or ill as a result of their job.  If you have one or more employees working within your company, this type of insurance is a legal requirement.


Product Liability Insurance

Product liability insurance is needed if your business supplies products to the public or other businesses. This type of cover protects you against claims that a product supplied by your business caused damage or injury.


Please note these are not the only types of business insurance available.  Different types of businesses require different types of business insurance.  It is important to find the package that is right for your company.  Call SIS on 0161 969 6040 if you are unsure as to which business insurance your company requires.