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The Wired Sussex discounted Insurance scheme has the flexibility to enable you to add extra cover, for example, for Internet and Email risk, your property or your liabilities as an employer, director and supplier (through professional indemnity).

Premiums are easy to pay by interest-free direct debits or in lump sums, so whether you need Property insurance, Computer Insurance or Loss of Income insurance cover we can definitely help. If you are employing people we can provide cover for Employers' Liability, Public & Products Liability and Professional Indemnity, ensuring your company is compliant and always correctly covered.

Whatever your insurance needs, it's simple to request a quote from our insurance partners Sutton Winson.

Do I need business insurance?

The simple answer is yes. In today's business environment, it is absolutely fundamental to carry some form of business insurance regardless of your size or location.

There is always the danger of everyday practices backfiring with enough force to inflict a disabling blow to your company. Whether you are operating from your basement or are a large corporation in a high-rise building, you will not find a successful business that doesn't have it.

The range of business insurance products is vast, covering everything from lawsuits to disgruntled employees. There are many ways in which you can manage your risks and hopefully reduce your premiums.

How can I reduce my risks?

An insurance company bases insurance premiums on the risks involved. So it makes sense for you to continually look for ways to lower your insurance premiums by reducing the risks.

According to Independent Insurance Agents, business owners should consider taking these steps:

• Maintain adequate lighting throughout your business premises.
• Keep electrical wiring, stairways, carpeting, flooring, elevators and escalators in good repair.
• Install a sprinkler system, smoke and fire alarms and adequate security devices.
• Keep only a small amount of cash in the cash register.
• Keep up-to-date records of inventory, accounts receivable and equipment purchases.
• Consider keeping a second set of records off site, such as with your accountant, insurance agent or at home.
• Make sure your employees have good driving records.
• Make sure your employees know how to lift properly and use all necessary safety equipment, such as goggles, gloves and respirators.
• Consider using the services of a risk manager. An outside consultant can advise you of any safety or environmental regulations you may have overlooked.
• Talk to your employees about safety practices.