We once asked a business owner why he did not have insurance for his small business and he said, ‘I don’t know how to choose the right one or which plan is right for me’ his dilemma is not unfamiliar as we have seen that most people do not know which insurance is right for them or their business.
You know how one goes to a showroom to buy a television or an electronic and goes with information about different brands which helps them in deciding which is best based on their needs. The same applies here, business owners require information to guide them when choosing a plan, that is the purposes of this article.
In choosing a plan for your business, here are some factors to consider:
1- Determine what you need
Some insurance plans will cover for fire, theft, flood, and other related disasters while some will go further to cover any other damages relating to but not directly linked to this. If your business is situated in a flood-prone area, getting a plan that covers this is always a winner. If your business is located in the same building as your home, do not assume your home insurance policy will cover your business and vice-versa.
2- Know the risks
It will help you if you fully understand the risks that are peculiar to your business, the industry or the business environment, this will help you when choosing a plan. For example, if your business is data inclined, protecting your data should be top priority on the other hand, if it’s a brick-and-mortar business, losing your tangible products or facing damage to your business’s physical structure can have a huge impact on your livelihood.
3- Compare Quotes against benefits
Just like you try to get the best bargain when you shop online or in the open market, the same rules apply here. As a small business, you will need to compare quotes against the benefits you’ll be getting from each insurance product you intend to purchase.
4- Check the Insurance company’s reputation
You need to confirm the reputation of the company you are going into partnership with because your cover is as good as your insurance company, you therefore need to assess before you purchase. The Coronation Business Protection Plan is a good place to start when it comes to protecting your business.
For more details and enquiries, contact 2341-2774500 or send an email to contactcentre@coronationinsurance.com.ng
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