The way we do business and communicate with one another has changed drastically over the past decade.
Once, where a simple Filofax would have sufficed, we have seen an evolution in the way we work; field agents began to adopt the PDA, the first laptops began to appear... and then we saw an explosion in mobile technology that has resulted in ever more advanced and expensive devices gracing the messenger bags and briefcases of business people across the country, from Notebooks, to tablet devices all the way through to smart phones.
What many business people forget however, is just how much all these devices are worth. For the better equipped employee, we might see a notebook or laptop, an iPad and a Smartphone of some sort... and already we're looking at a total cost of between £1000 and £1500. What's more, is that these devices are carried around every day, bouncing around inside bags, used on the trains, carried through the wet British weather in less than waterproof cases and covers.
There are few businesses that could lose a number of these devices and chalk it up as an insignificant loss. For smaller businesses, equipping just one employee in this fashion may cost at a significant proportion of their profits. As such, it is important to have these devices covered against the usual consequences of ownership, potential theft, loss, accidental damage... All of these things can, and do happen.
To make things even more difficult, many insurers will have complex clauses that define 'accidental damage' and other such mishaps in such a way, that if you were to damage your beloved iPad you may find you are still not covered, because of insufficient device protection for example or because of the nature of the accident.
It is important therefore to shop around for the business insurance that best covers you, your field agents and your costly mobile devices. Take the time to understand the level of protection you have to avoid any unexpected expenses and bother. Talking to an expert business insurance broker can help, where they will trawl the market to find you exactly the kind of cover you need to ensure that your employees can continue to work, whatever happens. Failing that, you could always pay the full amount for continual replacements if you choose not to take out an insurance policy, if you can afford to do so you're doing remarkably well in such tough economic times!
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