Do you have the right business insurance policies?Most business insurance policies are taken out voluntarily by businesses across many sectors for good reason. A whole host of accidents can be caused by your business where costly accidents claims could ensue.

There are different types of business insurance policies to suit various industries and the premium all depends on the type of business you have, the number of employees in your business and what your turnover is.

The benefits of taking out business insurance policies
• They cover the legal costs and expenses involved in defending claims made against your business.
• You can show your clients that your business is insured against loss or damage caused to them by your business.
• It gives you peace of mind that you have transferred any risk of loss or damage over to an insurance broker.

Public liability insurance
If your business comes into contact with the public, you run the risk of causing injury or damage to any person or their property, be it on-site or off-site. Public liability insurance will cover the legal cost to defend your claim made by members of the public as well as compensation for personal injuries or for any damage to property.

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5857186689_dbba7ffcb1We all know what it’s like to lose money. And just as it’s easier to fall down than it is to get back up, losing money is something we deal with more often than suddenly gaining it. But sudden acquisitions of money do happen in the lives of most people. And even if we’re just talking about a few hundred or thousand dollars, these windfalls can be game changers for the average person.

Because windfalls are most significant in the lives of people who are not prepared for them, it’s best for everyone to have a plan for what they’d do if they got their hands on some cash all of a sudden. Remember, this can happen a lot of ways: inheritance, settlement, game winnings, etc.

Check out more ways at the Cash in Your Annuity Blog. If you get a windfall this way, or through some novel method I haven’t thought of, make sure you are ready well in advance to make sure this money lasts a long, long time. Here’s how people…don’t do that.
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