News

What is underinsurance? Underinsurance is when someone doesn’t have adequate insurance to cover the cost of loss or damage to the things they own or against their legal liabilities, or is not insured at all for those belongings or liabilities. Being underinsured in a small business can have huge ramifications, particularly if you’re running a...
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Employee or sub-contractor? It’s a question that causes confusion but one that business owners need to be clear about to avoid insurance issues in a worse-case scenario. In theory, an employee works in the business while sub-contractors run their own business and supply a service. For example, the wait staff at a restaurant are likely...
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Cover yourself for Christmas Christmas is a high-stakes period where you can make record profits but also lose a lot of money if something goes wrong.  If you are ordering large amounts of stock or putting on lots of staff, you should have a chat with T&G Insurance Brokers to check your business insurance policy...
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