Business Insurance in Wakefield
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Business Insurance in Wakefield
If you are running a business in Wakefield you will already know that it is a close-knit community, with strong local links in the community. It is with this in mind that Lockyers have built up their insurance brokerage over the last thirty years, helping businesses in Wakefield and Leeds to make the most of their budgets by getting the very best in competitive insurance premiums. Business insurance is not like getting cover for yourself, your house or your car. Almost every business has different needs when it comes to getting insurance cover and knowing the area can help to bring premiums down by only insuring for likely risks.
Approaching a large broker or an insurance company direct often means that premiums can be artificially high as most companies go by the postcode alone. Risks are calculated for various areas of the country and this is often the only criterion on which an offer to insure is made. Lockyers, with their local knowledge, can hone the information much more specifically and in this way can often get lower premiums. In spite of being a local business, Lockyers does have large buying power, having grown itself from a small local business to a very well respected member of the Broker Network.
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Business insurance in Wakefield is likely to come from a very varied range of fields of enterprise. There are the usual shops, offices and other High Street customers, but there is also a wide variety of manufacturing and service industries in the area. Lockyers have in house expertise in helping business people in Wakefield to accurately assess the risks and value pertaining to their particular company and its product and so there will be nothing left inadequately covered and, conversely, no unnecessary expense involved in covering non-existent risk. Having the correct level of cover is important, as having too little as a total value can result in policy payouts being seriously reduced in the event of a partial loss as these are worked out on percentages, not on total costs for rebuilding, for example, or extensive repair.
One of the largest parts of any business insurance or elsewhere is business liability. As an employer, you are naturally responsible for the safety of your staff and if the unforeseen happens, their financial well-being if they are unable to work. Lockyers’ staff can help you make the proper decisions as to health and safety issues for your staff as well as giving you guidance on how to make your premises safe for visitors and customers. Depending on your product or service these needs can be very different – for example a greengrocer has to think of accidental slips, falls and other hazards whereas a solicitor is more likely to need professional indemnity. Knowing the area as well as knowing the insurance business from A-Z allows the insurance brokers at Lockyers to give unbiased and helpful advice for all kinds of business insurance needs in the Wakefield area.
MY BUSINESS TOOLKIT is a helping hand for running your company. Lockyers give FREE access for all business clients to articles, “How To Guides” and template forms that cover many aspects of business management including: Preparing for a Product Recall, Legislation and Compliance, Business & Technology, Human Resources, Risk Management and Safety.