{"id":514,"date":"2017-09-20T08:14:10","date_gmt":"2017-09-20T08:14:10","guid":{"rendered":"https:\/\/www.indwe.co.za\/indwe-blog\/?p=514"},"modified":"2017-09-20T08:16:28","modified_gmt":"2017-09-20T08:16:28","slug":"spring-clean-checklist-business-insurance","status":"publish","type":"post","link":"https:\/\/www.indwe.co.za\/indwe-blog\/spring-clean-checklist-business-insurance\/","title":{"rendered":"Your spring-clean checklist for business insurance"},"content":{"rendered":"<p>We are enjoying warmer (and longer) days, flowers are blooming, and leaves are sprouting everywhere \u2013 spring is in the air. So when you start to dust off your shelves and spring clean your office, remember to take a closer look at your business insurance policy as well.<!--more--><br \/>\n<br \/>\nThings are constantly changing, especially in the business world, and some of these changes can have a significant impact on your business\u2019s insurance needs. Here are our top tips to clean out the cobwebs from your policy.<br \/>\n<br \/>\n<strong>Employees<\/strong><br \/>\n<br \/>\nDo you have employees? Then you need to take out or update your employee\u2019s liability or worker\u2019s compensation cover. This product helps you pay for your workers if they get hurt on your premises or delivering your services.<br \/>\n<br \/>\n<strong>New services<\/strong><br \/>\n<br \/>\nAlways make sure that your Errors and Omissions policy is up to date, to avoid being held financially liable should your clients suffer loss due to your business\u2019s advice or assistance. This means that when you expand your business offerings, you need to speak to your insurance advisor about your policy.<br \/>\n<br \/>\n<strong>Vehicles<\/strong><br \/>\n<br \/>\nSo you\u2019ve added your business vehicle to your business insurance policy, but have you added the driver\u2019s details as the regular driver? Do you allow your staff to take the vehicle home at times? Your insurer needs to be aware this information, or you run the risk of not being covered in the event of an accident or theft involving the vehicle.<br \/>\n<br \/>\n<strong>Buildings<\/strong><br \/>\n<br \/>\nDo you keep your building maintained? Make sure that the burglar bars and window frames aren\u2019t rusted and that the fire extinguishers and alarms are all working. Get a professional air con service provider out to inspect your air conditioner. If there are trees around your business premises, make sure the branched are secured and that they won\u2019t break off during the first rain storm and damage your building. Invest in surge protectors and lightning conductors. All these changes can influence not only your monthly premiums, but also your level of cover.<br \/>\n<br \/>\nTurn to <strong>Indwe Risk Services<\/strong> for all the <strong>insurance advice and assistance<\/strong> you need to ensure your business enjoys all the cover it deserves. Speak to us by calling 0860 13 13 14 or visiting our website at <a href=\"https:\/\/www.indwe.co.za\/\"><strong>www.indwe.co.za<\/strong><\/a>.<br \/>\n<br \/>\nIndwe is an Authorised Financial Services Provider. FSP 3425<br \/>\n<br \/>\n<strong>Resources:<\/strong><br \/>\n<br \/>\n<strong><a href=\"https:\/\/www.federated.ca\/blog\/small-business\/a-business-spring-cleaning-checklist\/\" target=\"_blank\" rel=\"noopener\">Federated<\/a><\/strong><br \/>\n<strong><a href=\"http:\/\/smallbusinessportal.org\/blog\/small-business-insurance-checklist-2017\" target=\"_blank\" rel=\"noopener\">Small Business Majority<\/a><\/strong><br \/>\n<strong><a href=\"https:\/\/citizensgeneral.com\/business-insurance-news\/postid\/48\/2016-small-business-insurance-checklist\" target=\"_blank\" rel=\"noopener\">Citizens General<\/a><\/strong><br \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>We are enjoying warmer (and longer) days, flowers are blooming, and leaves are sprouting everywhere \u2013 spring is in the air. So when you start to dust off your shelves and spring clean your office, remember to take a closer look at your business insurance policy as well.<\/p>\n","protected":false},"author":1,"featured_media":515,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[14],"tags":[],"class_list":["post-514","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Your spring-clean checklist for business insurance | Indwe<\/title>\n<meta name=\"description\" content=\"You\u2019ve spring-cleaned your home; what about your business insurance? 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