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  • 1,500+ Business Documents - Other benefits in kind clause
    Other benefits in kind clauseOur benefits in kind clause specifically covers private medical and permanent health insurance, pension schemes and life assurance, as these are the most common benefits after company cars. However, you can also include any other benefits that you provide for your employees.Insurance termsWith private medical and permanent health insurance and life assurance, as they are all insured benefits it's the insurance company that will take the decision on whether the employee (or any beneficiaries)...
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  • 1,500+ Business Documents - What to do if your claim is rejected
    What to do if your claim is rejectedDon't just assume that your insurance company will pay out. It's not unknown for claims to be rejected. However, if this happens, all's not lost.
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  • 1,500+ Business Documents - Death benefit expression of wishes form
    Death benefit expression of wishes formWhere you provide a life assurance scheme, you should ask employees to complete a death benefit expression of wishes form to enable them to set out their wishes in relation to the lump sum death in service benefits payable under the scheme. An expression of wishes, rather than an automatic nomination, ensures that inheritance tax (IHT) won't be payable on the sum. Life assurance schemeIf you provide a life assurance scheme, it will typically provide a lump sum death benefit...
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  • 1,500+ Business Documents - How to make a claim
    How to make a claim What, where and how do you make a claim if an insured event occurs? The events in the immediate aftermath of a claim can be crucial and the steps you take can be very significant should your claim be disputed.
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  • 1,500+ Business Documents - Contents insurance
    Contents insuranceYour stock, machinery and equipment are valuable items and integral to the business. It's a good idea, therefore, to check that these items are properly insured, so that your business can continue to function in the event of an emergency.
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  • 1,500+ Business Documents - Buildings insurance
    Buildings insuranceIf you either own or rent premises, having an adequate buildings insurance policy is essential. Don't be tempted to underinsure in order to save money. It could prove to be a false economy.
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  • 1,500+ Business Documents - Compulsory and optional insurance
    What's compulsory and what's optional? You're legally required to have some types of insurance. Failure to comply will be a criminal offence. It could also mean that if a claim is made, the business itself will have to pay out compensation to meet it. However, many types of insurance are an optional extra, but it's sensible to consider having most, if not all, in place.
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  • 1,500+ Business Documents - Choosing the right policy
    Choosing the right policyAll businesses require insurance cover. Getting the right type of cover at the right price is, and could be, very beneficial to your company.
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  • 1,500+ Business Documents - Public liability insurance (PLI)
    Public liability insuranceIf you have premises where members of the public, clients and/or customers visit, it would be very prudent to ensure you've got this type of insurance in place. It will also cover the scenario where you or an employee visit a third party's premises and have an accident, injuring either anyone at the premises and/or their property.
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  • 1,500+ Business Documents - Keyman, legal expenses and business interruption insurance
    Keyman, legal expenses and business interruption insurance Although none of these types of insurance are mandatory, they are all very important in their own right and should be considered because they could prove to be beneficial for any business.
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