5 tips to ensure your business insurance pays out in the event of a flood

By Karen Thomas

With hundreds of flood warnings in force across England and Wales, it is important that business owners make sure they have adequate insurance in place to help protect them in the event of flooding. Here are five things you can do to make sure you have the right cover: Check that your business insurance policy …

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Environmental

Breathe Insurance Brokers Receive Sought-After Environmental Management Accreditation

By Karen Thomas

Breathe Insurance Brokers are delighted to receive the STEM blue level certification – an  environmental accreditation for businesses working to improve their environmental performance. The STEM (Steps to Environmental Management) accreditation confirms the green credentials of Breathe and the company’s commitment to the environment. Benefits Of Green Credentials Businesses benefit from attaining certification by being …

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What is an intruder alarm warranty?

By Karen Thomas

An intruder alarm warranty is an extremely important term that is sometimes included in an insurance policy wording. It is basically a statement explaining that an intruder alarm, approved by the insurance company, must be in operation at the premises in question when they are closed for business, or left unattended, and that this alarm …

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Can You Buy Employers Liability Insurance On Its Own?

By Karen Thomas

This is a question I was asked yesterday by a business owner who has just taken on an employee. The answer is no, not as a rule. Employers liability insurance is almost always offered as part of a combined liability policy, along with public and products liability, or as a section in a package insurance …

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Breathe Insurance In The News

By Karen Thomas

Breathe Insurance is featured in the Medway Times this week, in an article explaining the benefits, for busy professionals and business owners, of using a small, independent business insurance broker for your commercial insurance needs. When it comes to sorting out your business insurance it’s important to speak to a professional who understands the complexities …

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Long Term Agreement On Your Business Insurance – Is It A Good Idea?

By Karen Thomas

Is it a good idea to sign a long term agreement in exchange for a discount on your business insurance premium? I spoke to a company director this morning who had taken out a five-year long term agreement (LTA) on the company’s commercial insurance in order to save money. In other words they had signed …

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Where to find the best professional indemnity insurance?

By Karen Thomas

If you work in a business that involves giving advice to customers, you may need professional indemnity insurance. This cover protects your business in case you give the wrong advice, which results in the customer losing money and deciding to sue you. Professional indemnity insurance is not usually a legal requirement but is highly recommended …

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Employers Liability Insurance: does your business need it?

By Karen Thomas

Businesses that employ people must have Employers Liability cover. By law such businesses are required to have insurance for at least £5 million. This applies even if your employees are only seasonal or part-time and includes students who work for you unpaid, people who are not employed, but taking part in a youth or adult …

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Business Car Insurance – Make Sure You Have The Right Cover

By Karen Thomas

When arranging motor insurance for the car you use for your business, it is important to make sure you have the right cover. Check that you have the correct class of use on your insurance policy, as this is something the insurance company will check if you have a claim. Standard Motor Insurance Cover – Social, Domestic …

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Business Insurance: how to get a good deal

By Karen Thomas

Insurance companies are currently offering some excellent rates on business insurance in order to get new business on their books. These rates are often much cheaper than the rates they charge their existing policyholders. Insurers rely on the vast majority of the business owners they insure not having time to look around for alternative quotes …

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Need Advice About Insurance?

Here at Breathe we have many years of experience arranging insurance, whether you need cover for a building or for your business.

We offer a personal service, to help you decide what cover you need and do all the work of comparing insurance quotes for you to make sure you have the right cover in place at the most competitive premium. And we’ll be here to help in the event of a claim.

If you would like more information about insurance from a broker based in Kent, call us on 01634 214779, send us an Email or click the 'Get A Quote' button above to get started.

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