[vc_row][vc_column][vc_row_inner el_class=”container”][vc_column_inner][vc_column_text]To some people, business insurance is a bit of a necessary evil, but if you don\u2019t have it and things go pear-shaped, you\u2019ll be hugely out of pocket. Getting your commercial insurance sorted doesn\u2019t have to be a drain on your time and your finances, especially if you\u2019ve got the right team on board.\u00a0<\/span><\/p>\n

 <\/p>\n

Expectation: <\/b>It\u2019s too expensive\u00a0<\/span><\/p>\n

Reality: <\/b>Getting the right amount of cover is cheaper than dealing with the consequences if something goes wrong. By working with an adviser, you can get the best cover for your situation and your budget – but you need to be realistic.\u00a0<\/span><\/p>\n

You could only cover some of your assets, but it\u2019s probably going to be more expensive to replace anything that\u2019s not covered. Is it really worth saving a bit of money now to have to fork out more later?<\/span><\/p>\n

 <\/p>\n

Expectation: <\/b>Getting cover sorted takes too much time<\/span><\/p>\n

Reality: <\/b>Getting cover in place is quick and easy with an insurance adviser. Advisers can apply their knowledge and expertise to identify the best policies that will suit your specific needs. Their job is to save you time by finding the perfect combination of coverage, cost and risk, and most importantly, help you avoid being underinsured.<\/span><\/p>\n

An adviser can negotiate on your behalf to get the best policy terms, help you understand your policy and explain coverage and exclusions clearly.\u00a0<\/span><\/p>\n

 <\/p>\n

Expectation: <\/b>I\u2019m covered if I use my personal vehicle for work purposes<\/span><\/p>\n

Reality: <\/b>Unfortunately, no you\u2019re probably not. If you use your vehicle for business purposes, personal car insurance may not protect you.\u00a0<\/span><\/p>\n

It\u2019s important to purchase business vehicle insurance, or clarify with your insurer what you\u2019re covered for. If you have other people, such as employees, using your vehicle, make sure they\u2019re named on your policy, too.<\/span><\/p>\n

 <\/p>\n

Expectation:<\/b> My existing policy from years ago has got me covered<\/span><\/p>\n

Reality: <\/b>This might not be the case \u2013 your business has probably changed a lot since you last took out your policy and it may not be relevant for what you need now.\u00a0<\/span><\/p>\n

The last thing you\u2019d want is to try to make a claim on a policy that doesn\u2019t cover you for your present situation. You may also end up paying more for things you no longer need, so it\u2019s a good idea to update your policy regularly.<\/span><\/p>\n

 <\/p>\n

Expectation: <\/b>My business insurance claims won\u2019t get paid out anyway<\/span><\/p>\n

Reality: <\/b>An adviser will fight to get the best outcome for you and your business in the event you need to make a claim.<\/span><\/p>\n

The claims process can be lengthy, but trust the experts to step in and advocate for you, saving you time and stress. You can have peace of mind knowing you have someone speaking on your behalf and assisting you throughout the entire process.<\/span><\/p>\n

 <\/p>\n

Want to deal with reality when it comes to business insurance? Get in touch with our friendly team of commercial financial advisers today.<\/strong><\/p>\n

[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row el_id=”related-post”][vc_column][vc_custom_heading text=”Related articles” font_container=”tag:h2|text_align:center|color:%2313143e” use_theme_fonts=”yes” el_class=”title my-5″][vc_basic_grid post_type=”post” max_items=”4″ element_width=”3″ orderby=”rand” item=”918″ grid_id=”vc_gid:1658197041202-d67d2089-202d-4″ el_class=”related-posts mx-auto mt-3″][\/vc_column][\/vc_row][vc_row][vc_column][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

[vc_row][vc_column][vc_row_inner el_class=”container”][vc_column_inner][vc_column_text]To some people, business insurance is a bit of a necessary evil, but if you don\u2019t have it and things go pear-shaped, you\u2019ll be hugely out of pocket. Getting your commercial insurance sorted doesn\u2019t have to be a drain on your time and your finances, especially if you\u2019ve got the right team on board.\u00a0 […]<\/p>\n","protected":false},"author":1,"featured_media":6034,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[6,9],"tags":[],"class_list":["post-6028","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business","category-insurance"],"acf":[],"yoast_head":"\n