Why Business Insurance Matters
Liabilities and hazards exist in all business operations and contexts, from accidental property damage to lawsuits and cyber attacks, every type of business carries risks. Some risks are less likely to happen than others, although throughout the course of your business a portion of the potential risks your company faces will eventually occur.
Business insurance protects your company when the unexpected eventually happens. At Lync Insurance, we offer a wide variety of plans, and can create a business insurance package that covers the policies you need for your business, such as cyber insurance, commercial property insurance, and business interruption insurance.
Business Insurance Packs
We understand that every business is different, our business insurance packs can be customised to include the policies that are important for your business’s specific needs. Policies that we offer for insurance packs include:
Industrial Special Risks Insurance
Covers numerous large-scale assets or high-value properties with a declared value asset register.
Landlords Investment Property
Protects against loss and damage to your investment property and contents.
Contract Works
Protects your property while building upgrades and alterations.
Business Interruption Insurance
Protects business income and profits during a loss as a result of disruption
Theft & Burglary Insurance
Protects your business from theft and break-ins that result in damage or stolen items.
Loss of Rent
Covers loss of rental income for commercial property owners following a disaster that causes the tenant to cease paying rent.
Money
Protects you against theft, fraud and dishonesty on the premises.
Machinery Breakdown Insurance
Covers you against equipment breakdown.
Electronic Equipment
Covers you against breakdown, specifically relating to computers and electrical equipment.
Cyber Insurance
Protects against your presence online.
Products Liability & Legal Liability
Offers protection in scenarios where you, your business or property ownership, operations and any products or services you produce, cause harm to third parties that may hold you negligent.
Workers’ Compensation Insurance
Protects against workplace accidents by covering an employee’s medical bills and income while they’re recovering.
Employment Practices Liability Insurance (EPLI)
EPLI protects you against claims made by employees for wrongful workplace practices, such as discrimination, wrongful termination, or breach of contract. Even companies that follow good HR practices can be taken to court on baseless claims, defending yourself can be expensive
Travel Insurance
Covers you against risks associated with business travel.
Motor Insurance
Covers any business-registered vehicle, truck or trailer in the event of an accident.
Transit
Provides cover when transporting equipment, goods or services.
General Property
Covers the cost of miscellaneous property, including tools of trade in a transit vehicle.
Management Liability
Covers you, managers and directors for costs relating to claims made against you by staff.
Tax Audit Cover
Covers the costs related to defending against tax audits, including professional fees for accountants and lawyers.
Employment Dishonesty Policy
Protects your business against financial losses due to employee theft, fraud, or dishonesty.
Glass Cover
Covers the cost of repairing or replacing damaged glass, including windows, storefronts, and glass partitions in your business.
Commercial Property Insurance
Protects your business property against risks like fire, theft, vandalism, and natural disasters. Commercial property insurance covers buildings, equipment, inventory, and more.
Fire and Perils
A specialised policy that covers property damage caused by fire and other specialised risks, such as storms or floods. It is a more specific type of property insurance that is more affordable than a broad policy like commercial property insurance.
Have a question? We’re familiar with the risks you face as a business and can provide personalised insurance policies around your requirements.
