Why purchase contents insurance as a business owner?
As a business owner, you naturally want to protect your business as well as possible against all kinds of risks, such as damage or theft. That's why it makes sense to look into contents insurance for your business. With your own business, you probably have a lot of inventory, such as laptops, machines, desks, supplies and other office supplies. To ensure that all of your belongings are well protected in case of damage, you can purchase business contents insurance. This will insure all the belongings in your business in case of damage due to burglary, fire or storm.
As a business owner, insure your contents
Now you may be wondering: as a business owner, do I even need home contents insurance? You probably already have enough monthly expenses and are not waiting for more insurance premiums. Yet those monthly costs do not outweigh the costs in the event of damage. Imagine a major fire breaks out and all your belongings go up in flames. If you have to replace all these items at once, the costs can be high. The work comes to a standstill and you therefore earn nothing. To get back to work quickly, you can purchase business contents insurance, or inventory insurance.
Business contents insurance or inventory insurance
In insurance terms, we are not actually talking about business contents insurance, but inventory insurance. Here again, an insurer distinguishes between inventory insurance and property insurance. The inventory of your business is all the stuff you use to practice your profession. Here you can think of laptops and desks, but also certain machines or instruments. To insure these items, you can take out inventory insurance.
In addition, you can also purchase goods insurance. Goods refers to your merchandise inventory. These are all the raw and auxiliary materials you use to make your finished product, such as semi-finished products, cleaning agents, fuels and packaging materials.
What does inventory insurance cost?
What contents insurance costs a business owner depends on the type of business and the industry in which you operate. The amount of inventory and goods also determines the amount of the premium. As with private contents insurance, you can choose from a variety of coverages. The standard coverage usually covers damage caused by fire, storm, explosion and burglary. In addition, you can also insure glass, money, valuables and legal assistance. The additional coverages may vary from one insurer to another. Therefore it is best to use our online comparison tool. This way you can easily compare all (additional) coverages, policy conditions and premiums.
Take out contents insurance as a business owner through Alpina
Therefore, to be properly insured as a business owner, it is best to purchase contents insurance. With this, you will be well insured in case of damage and avoid sky-high costs after damage. Which insurance best suits your business depends on the type of business you have.
Are you unable to find it or do you still have questions? Then you can always contact us. You can reach us by phone at 088- 688 37 00 or send us a message via email, WhatsApp or Messenger. We are happy to help you!
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