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Investing in a business insurance can be a rather risky affair. There are a number of delicate scenarios that could determine if getting insurance will be advantageous. Some of which are damages and loss, theft and whether the business is under the potential threat of litigation. However, just because you are at risk, does not mean that you should sign up with the first business insurance you come across through pops-up on your computer screen. Do your research and then decide.
There are a few important factors to consider before you invest in business insurance:
Annual premiums - Does the insurance company have an annual premium option? Are they affordable and are their premiums guaranteed to not increase for the duration of the year?
Proper maintenance - If you retain your property and it remains in good condition, you won’t need to claim damage which could eventually increase premiums. Some insurance agencies also offer a rewards or money-back system for no claims over a certain time period.
Combined policies - If you have motor vehicle and household or building insurance with the same insurer, it is worth investigating to see if there is a discount option.
Increase your excess – an increased excess might result in lower monthly premiums, this can assist when the monthly budget is particularly tight. If you feel this could be beneficial then enquire about the option with your chosen insurance provider.
Always research and evaluate a variety of quotes from various insurers in order to compare insurance policies for the option that suits your needs best. Check out the Biggy.co.za website for more information on how to do this in a few simple steps.