Insurance

Alison_B

Can anyone recommend somewhere for insurance for a very small internet based business? The products that I am selling have all been bought in from UK based companies.

Thank you in advance.

weemee

What are you trying to insure for?

Alison_B

I have been told that I should get some kind of insurance in case someone tries to sue over anything that I have sold them. Trouble is that my turnover is far less than the cost of the quotes that I have been given.

Debt_Free_Chick

Alison_B wrote:

I have been told that I should get some kind of insurance in case someone tries to sue over anything that I have sold them.

I think we need to think of some examples where this might happen. What kind of stuff do you sell and roughly at what prices?

Most problems never get to the "sue" stage, as you will probably be able to put them right e.g. goods not right? Return for replacement/refund. Goods not delivered? Contact courier/Royal Mail.

Presumably your customers are covered by the Distance Selling Regs and/or SOGA ..... so what could they sue for?

WhiteLily_2

Hi there

I use Swinton Business for my High Street Shop but any Business Insurance Company should be able to help you. Mine costs £33.00 per month and covers things such as Shopfront, Property Owners Liability, Stock & Stock In Transit, Money in transit and in shop, Fixtures & Fittings, Business Interruption, Employers & Public Liability, Fire etc; Hope this if some use to you and good luck in your business!

Alison_B

Sorry, I am selling baby boxes and clothing. I also have some wooden toys and some costume jewellery.