# @kcaaccountants on Instagram

- **Type:** Video
- **Original URL:** https://www.instagram.com/p/Co6oZKlrikA
- **Gondola URL:** https://gondola.cc/posts/10052405-kcaaccountants-instagram
- **Thumbnail:** https://img.gondola.cc/tr:w-,h-,fo-auto/postThumbnails/4ecc551062.jpg
- **Posted:** 2023-02-21T07:30:00.000+00:00
- **Account Owner:** KCA Accountants (@KCAaccountants) — https://gondola.cc/KCAaccountants

## Caption

Size doesn’t matter - all businesses should have some form of insurance to protect you and your company against unexpected costs. And that applies to those who are self employed too.
Everyday risks, such as mistakes, stock or premises damage, and legal costs can be minimised with the right insurance. It also offers credibility to your business. It demonstrates to prospective customers and potential employees that you are trustworthy to do business with.
What types of insurance do you need?
Some types of business insurance are required by law:
•If you are an employer you are legally obliged to have employers’ liability insurance to cover the cost of compensating employees who are injured or become ill through work;
•If your business uses vehicles you are legally obliged to have commercial motor insurance;
•Some professions are required to have professional indemnity insurance by their professional bodies or regulators.
Other types of business insurance, such as Commercial property insurance, Liability insurance or Cyber insurance, are optional.
Key person insurance covers the loss of key staff due to illness or death and can help keep the business trading.
If you work from home regularly, you should think about your home insurance to make sure that your insurer understands your situation. If you store stock or expensive equipment in your home, you want it to be covered against theft or damage. If you offer online services or handle client data, consider professional indemnity insurance. And if you have clients visit your home for meetings, public liability insurance will offer protection in the event of an accident while on your premises.
It’s a bit of a minefield so make sure you get the right advice with insurance. We deal with some excellent service providers in this field and are happy to recommend you to someone should you need it.
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## Stats

- **Views:** 49
- **Likes:** 3
- **Shares:** 0
- **Comments:** 0

## Tags

uktaxadvice, leighonsea, accountingfirm, leighonsealife, leighonseabusiness, insuranceproviders, needanaccountant, supportingsmes, publicliabilityinsurance, notimeforadmin, businessadviceuk, smallbusinessadvice, leighonseaessex, essexaccountant

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