At last, business insurance made simple

Running a small to medium-size enterprise brings with it unique challenges. Limitations abound, particularly with regard to time, skill and personnel, so  something as essential as insurance should not drain these resources. This is where Liquid Underwriting Managers (Liquid's) Small Commercial Insurance Policy comes in.

"Liquid's Small Commercial Insurance Policy is a business insurance policy created especially for small to medium enterprises. It is a policy which has unexpected strengths it is incredibly easy to understand, for both broker and the insured." says Seamus Casserly of Liquid Underwriting Managers . " It offers a fully comprehensive insurance solution with straightforward, uncomplicated premium calculations. Ultimately, it provides ideal cover for companies with a turnover of R5 million or less."

Liquid's Small Commercial Insurance  starts with a choice. The business owner chooses a band of cover which best reflects the companys annual turnover and based on this the broker calculates the all-inclusive monthly premium.

In a nutshell, what are the advantages of Liquid's Small Commercial Insurance Policy?

* The policy, its structure and cover are very easy to understand.
* It eliminates the need for the customisation of complicated individual policies.
* It is faster to process, more efficient and is highly cost-effective.
* Monthly premiums are based on a standard rate depending on the companys annual turnover and the nature of the business.
* Disruption to business is minimal.
* The loss limit is clearly defined up front and the exclusions are limited and easy to understand.

Business cover
Business insurance classes covered within Liquid's Small Commercial Insurance Policy are:
Fire, Business interruption, Motor Vehicles, Office Contents, Accounts Receivable, Theft, Money, Glass, Public Liability, Employers Liability, Electronic Equipment, Goods in Transit and Accidental Damage.

Because we know that many businesses depend on a vehicle of some sort we have included a motor section in the policy. You may cover normal cars and light delivery vehicles,provided they are used for the business.

Why Liquid's Small Commercial Insurance Policy?

Nick Beyers, MD of SA Eagle comments: "At present the SME customer market is poorly serviced but Liquid's Small Commercial Insurance is able to satisfy their requirements with little fuss. Commercial insurance is complex and often the first time a customer realises the inadequacies of his cover is after a loss. This is obviously too late and a source of great frustration. Crucially, the effect of such a loss often proves to be the end of the business."

"Liquid's Small Commercial Insurance is a simple solution for both client and broker," continued Beyers. "Its value lies in simplicity, the nature of the policy and the degree of security it brings. Especially designed to help brokers help their SME customers, its structure allows absolute standardisation of wordings, correspondence and client interface. Moreover, it allows us to enter the bancassurance market as well as give wholehearted support to brokers. That is why Liquid's Small Commercial insurance  product is underwritten by SA Eagle. "
 
To find more information about Liquids' Small Commercial Insurance Policy visit www.liquiduma.com