Tag Archives: business

How to Get the Best Business Insurance

In this period of financial uncertainty, businesses large and small need to ensure their costs are as low as they possibly can be, therefore aspects such as insurance must be researched well to ensure you are getting the best deal. If you are looking for business insurance, there are a few things you can do to drive down the premium.


If you have been using the same insurance company for years on end, now is the time to shop around and see if you are really getting the best deal. Companies will often tell you that you are receiving a discounted rate for renewing your policy with them, but this still may not be the best rate so go online and see what other insurers have to offer. Business owners are usually very busy people therefore the ease of renewing with the same company can often be tempting, but taking just a little bit of time could save you hundreds.


When it comes to insurance that protects the commercial properties against damage and theft, you need to make sure you are able to actively show that you have taken measures to avoid such occurrences from happening. Physical security products such as roller shutters and window grilles are a great place to start and many insurance companies will ask you about them. Fire shutters are another good installation and can also affect your insurance costs.


If you have been renewing the same policy for years on end, it is now time to assess the information and ensure the features of your policy along with what elements of your business it covers are still relevant. Go through your current policy carefully and ensure you are only covered for what you really need. Businesses waste hundreds every year through having irrelevant insurance policies so you could be in for a pleasant surprise!

Study the Excess

Whilst we all hope that we will not need to call upon our insurance, the fact is that this is a real possibility and therefore you need to make sure it isn’t just the premium that’s low, it is also the excess amounts. Many insurers offers the facility to set your own premium so think carefully as obviously the higher the excess amount, the lower the premium and vice versa.

If you are looking to get a great deal on business insurance, you need to be prepared to put in the groundwork and take steps to protect your premises effectively to prevent incidents in the first place.

About Author: Sophie works alongside CR Security Shutters and understands just how important the presence of high quality roller shutters and other security products can be when searching for low cost business insurance.


Sending Business Documents By Post? Should Be A Thing Of The Past

Not so long ago, people used to communicate in just three ways, talking face to face, the desk based telephone and of course, posting a letter. Just 20 years later and the majority of the population now use multiple communication steams. Mobile phone, texting, IMing, Facebook, Twitter, e-mail. Communication channels these days are literally endless. How times have changed in just 20 short years.

With such a prevalence of communication channels available to us in all walks of life, you would have thought that few organisations would still be posting their business documents these days, but this is actually far from the case.

Despite most communication occurring in cyberspace these days, many out dated organisations still look to the postman to deliver their business related documents. More than 2 billion letters are delivered in the UK every year and the vast majority of Royal Mail’s daily deliveries is business related mail. If this continues, the upcoming changes to postage rates will really be hitting businesses hard.

On April 30th 2012, Royal mail will be increasing the cost of a first class stamp to 60p, a whopping 30% rise and the cost of a second class stamp will rise by 39% to 50p. Just 5p below Ofcom’s allowed ceiling price.

Businesses must think about whether old fashioned postal mail services should have a place in their modern business any more. Many companies still send financially related documents such as invoices, payslips and purchase orders by post but these huge increases in postage feeds mean that relying on old fashioned, slow methods of delivering business documents could be a very expensive mistake.

Delivering documents automatically by electronic mail allows companies to send business related documents cheaply, quickly and efficiently, without the huge costs associated with old fashioned hand delivered post. These document delivery systems can email out thousands of business documents at once, greatly reducing time consuming admin as well as high postage costs. The benefits don’t stop there, greater transparency, documents will not get “lost in the post” and improved efficiencies are also great advantages. Plus you’ll be saving on expensive printing and stationary. By integrating document management with existing finance, HR, payroll and HCM systems, the benefits are even greater.

So when postage stamps go up in price at the end of the month, will your company suck up the price rises, or will you think about more modern ways to deliver your business documents?

Further reading:


Advanced Business Solutions’s award winning software systems comprise accounting software, human resource and payroll systems, integrated with a range of document management and business intelligence systems.