7. I DO NOT HAVE MUCH STOCK SO CAN I ONLY INSURE MY LIABILITIES?
Yes of course, but in protecting your business and continuing to trade you must consider the other aspects of cover that most business insurances provide. Business interruption (loss of profits), money cover, damage to fixtures and fittings, leased equipment, etc... Under the terms of most leases you are liable for these.

8. I SELL PRODUCTS TO THE PUBLIC, IF THEY CAUSE INJURY DUE TO SOME DEFECT BEYOND MY CONTROL AM I INSURED?
Public Liability policies can include liability arising from products supplied.

9. WILL MY PUBLIC LIABILITY POLICY COVER CLAIMS AGAINST ME FOR ERRORS AND OMISSIONS OR DEFECTIVE WORKMANSHIP?
A public liability policy will only cover injury to the public or damage to their property caused by negligent acts. Errors or Omissions such as wrongful advice is protected by professional indemnity insurance. With regard to defective workmanship, a public liability policy is not a guarantee that you know how to carry out your trade so defective workmanship is excluded.

10. WHY DOES MY BUSINESS POLICY RESTRICT THEFT COVER TO THEFT BY FORCIBLE AND OR VIOLENT MEANS?
As you can imagine, if the public are allowed unlimited access to business premises such as shops, offices, hotels, etc. then theft is very easy for the opportunist thief. Some restrictions have to be imposed hence the requirement for forcible entry.

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