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If you are working from home, you should consider taking up a public liability insurance since your business can be indicted if any of your client suffer accident while in your compound.
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No matter the nature of business, you will need to equip yourself with the right tools. These may range for IT equipment to tools for the trade. Even though you are doing everything possible to provide quality service to your customers, occasionally a client may be unhappy with what he is provided with. A Professional Indemnity insurance gives adequate protection to business owners against liability due to such claims.
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This is recommended for entrepreneurs whose business outfits involve visit clients home to provide services as they many need a van to move their equipment to such locations. In some instances, the loss or destruction of important tools and equipment may be covered by a professional indemnity insurance but if the worth is beyond what is permitted in the insurance policy, it is better to take out a separate insurance cover for such expensive tool or van.
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Specialized professional insurance is necessary for any serious investor who is ready to start his business so that the worries and risks associated with most start-ups can be minimized.