You spend years building up your business, therefore you owe it to those that work for you, as well as your nearest and dearest to ensure your livelihood is secure.
Keep an updated asset register, and make certain your business insurance service provider is kept in the loop annually with updates.
Additionally, make certain your business insurance is enough; if you suffer losses, you need to be able to replace it with the same or similar items, and otherwise your losses could be huge.
Down-time as a direct result of loss of a business needs to be covered, as does key person insurance, should someone important in the company or the owner die – this is to ensure that it is “business as usual” until a replacement is found or other methods are put into place so that the business can continue in the same vein as before.
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