Recent content by Ren Stock

  1. R

    Do I need insurance when starting a home based web design company?

    Professional indemnity is a must - if you give bad advice on how a company's website design which causes them financial loss then that would protect you. Public liability for if you visit any clients, also invade you accidentally transmit a virus or lose sensitive data due to building the...
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    Should I be looking at product liability insurance?

    Ah, the classic hanging pot scenario! ;) In the hanging pot scenario, the damaged part would be examined by a loss adjuster to establish who was negligent. You need public liability to help protect your assets as you are a trading as individual not a limited company. Therefore there is no...
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    Liability insurance for online sellers

    I am a broker and You can get public & products liability for this sort of thing- the cost is normally mainly based on your turnover. The main issue the insurers would want to know is where are the products going? If you are selling to America and Canada, then the premium will increase...
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    Business insurance for doing international business

    The main issue with getting insured to do business in America is that it is such a litigious country and the majority of costs involved with a claim are to do with legal fees. This is why the insurers will try to protect themselves with a higher excess.
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    business card query

    As the others have mentioned, simple is better. If you are speaking to someone and they want a bit of info, you can jot it on before giving them card, but can't take anything off so less is more in this case. If you think it is too empty, put a call to action or a tag line on it such as - the...
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    Insurance Advice - complicated !

    Hi Henny Penny, I have just replied on your other thread, and thought i would try and help out with this as well. The property owner would have to have an insurance policy in place to cover their liability for if their was any negligence from the property side of things. You and the other...
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    Sole-trader branching out.

    With regards to naming the property, that would normally be done by the actual landlord themselves but could be as simple as a small sign above the door of (XXXX studios) and if they don't want the hassle of changing the name of it with all the relevant authorities, just mark the address on any...
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    Can't get employer's liability insurance

    Hi there, I have recently just started in the field of commercial insurance working in a small brokers office and I would definitely agree that it would be the best way for you to source your cover. Brokers will have knowledge of insurers you may never have heard of who will cover almost any...
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    Community Introductions & Networking [no links please]

    Hi there everyone. I'm Ren Stock. I have recently made the exciting move into commercial insurance by joining the team at Drayton Insurance Services in Norwich. I'm on here to network to trade advice and knowledge. I also would like to speak to individuals more established in the commercial...
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