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With over five decades of experience in helping our clients save for the future, we have a thorough understanding of the market and the importance of your money.

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Professional investment advice can only have your best interests at heart when it’s truly independent. At KGJ, our only focus and loyalty is to you, the client.

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Family Run

As a proud and long-established family firm, we understand how vital planning for the future and ‘saving for a rainy day’ is to the financial wellbeing of our clients.

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KGJ Main Leaf

What is Business Insurance?

Business insurance is a type of insurance that provides coverage for a broad range of risks associated with commercial operations. Business insurance policies typically cover the cost of property damage, liability claims and other incidents that may occur during the course of business operations.

There are several types of business insurance policies available, including liability insurance, property insurance, commercial combined insurance and professional indemnity insurance.

  • Commercial combined insurance combines, as the name suggests, various sections of cover such as property damage, contents, stock, public liability, products liability, money, goods in transit and so on.
  • Commercial liability insurance provides coverage for third-party claims, such as bodily injury or property damage caused by the business or its employees.
  • Commercial property insurance provides coverage for damage to the business’s physical property, such as buildings, equipment and inventory.
  • Professional indemnity insurance provides coverage for claims of negligence or errors and omissions made by the business or its employees in the course of providing professional services.

When selecting a business insurance policy, it’s important to carefully consider the level of coverage required and the cost of the policy. It’s also imperative that you read the terms and conditions to carefully understand any exclusions or limitations of your chosen cover.

Additional coverage options are also available, such as cyber insurance, which provides coverage for losses due to cyber attacks, and business interruption insurance, which provides coverage for lost income and other expenses that may occur as a result of an interruption to business operations. If the operations of your business include sending employees out to public places or people’s homes, public liability insurance will also be an important consideration.

Business insurance can provide peace of mind and financial protection for commercial business owners and managers, helping to mitigate the costs of unexpected events and providing reassurance that cover is in place in the event of property damage, liability claims or other specified incidents that may occur during business operations.

KGJ Main Leaf

Why Choose KGJ for Business Insurance?

Protecting businesses is about so much more than property, assets and stock – it’s about people, suppliers and other dependents too. When you’ve worked hard to build a business, have found exceptional people to help run the operation and have regular and loyal clients, business downtime caused by property damage, theft, vandalism and so many other potential events are a big cause for concern. A comprehensive business insurance policy will go a long way towards providing financial security and peace of mind not only to you but to everyone that relies on your operations.

But finding the right policy can be time-consuming and confusing. The best thing businesses can do to ensure they are protected by a strong business insurance policy is to take advice and brokerage from experts, and that’s where KGJ comes in. We have been providing businesses with thorough, tailored business insurance brokerage for over 50 years, and our sole focus is always to put the best interests of our clients at the forefront of everything we do. As an independent broker, we have nobody else to answer to other than you.

Let us take the sting out of finding the right business insurance policy to suit your operations.

KGJ Office in Stourbridge

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