shopping almanac of a stay home mum


Small Business

posted by constance

My husband and I run a small food business. I remember back in 2005, we had insurance covered for our employees and once when one of the staff met with a medical emergency, we got the insurance to cover for his salary and medical fees for the days he couldn’t work. However, I have never come across insurance covers for loss of business to a certain extent as this insurance covers employees, not business costs. I am now searching for small business liability insurance because so far most of such coverage are for medium or bigger corporations. Do these premiums cover equipments or loss of business when something occurs like a fire hazard nearby in other shops or an event that blocks people from patronizing our stores? I have no idea but I do hope there is one somewhere… I am sure many who are in small business would like to have something like that.


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