Imalia Insurance Products

Public liability insurance is designed for professionals and businesses who interact with members of the public or customers, or if your business operates in public spaces. Public liability insurance protects your business against claims of personal injury or property damage made by a third party because of your negligent business operations. For example, if someone slips, falls, and injures themselves on your business premises, or their property is damaged while you’re providing a service, they may take legal action against you or your business to recover their loss.

It is one of the most basic insurance products needed by businesses. If your work interacts with members of the public in any way, or if you have a physical business site where members of the public can attend, then public liability insurance is highly recommended.

Keeping Your Professional Life And Your Business Protected

As a professional, you provide advice and services in the course of your work. This means that if you do something (or neglect to do something) in the course of your work, and a client suffers financial loss as a result, they may commence a legal action against you. It’s important to protect your business against claims of malpractice or professional misconduct.

Imalia’s Professional Advice & Services Cover safeguards your business by providing cover against such claims, including legal defence costs. It protects your business against legal costs and claims by third parties for damages arising from negligent acts, omissions or breaches of professional duty in the course of your business. This means you can confidently go about your work, knowing that if the worst happens, Imalia has you covered.

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Running your business from your home has some great benefits. It also poses risks if your house is damaged and you cannot run your business for a significant period of time. Imagine the risk to your business if your home was damaged by a storm, a fire or was flooded. Having significant damage to your house is heartbreaking and inconvenient. Not only would you have to deal with repairs to your home, but if your home was uninhabitable you face the added expense of finding alternative premises to run your business whilst repairs are taking place. The effect on your income could be catastrophic.

My Home Business Insurance provides a one stop-shop property solution for people that operate a business from the home they live in. Many domestic insurers will not provide cover for the home and contents once a person earns an income from home as their home is both their primary residence and their business premises.

My Home Business Insurance also offers cover for Business Interruption. For example, if your home burns down, you not only lose your home, you may also lose your Home Business income, at least until the home is repaired or replaced or you have found alternative premises.

It is important to note that this product provides cover for the property in which you operate your home based business.

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Keeping Your Information Safe

 In today’s virtual world, cyber security is of utmost importance in protecting your customers and your business.  As more business is done over the internet, it is likely that your business has increasing access to private and confidential information about your customers. Consumers and regulators expect you to keep that information secure.

If your company has a web presence or a dependency on technology you have emerging content and transactional exposures to address. Data breaches affect hundreds of millions of records a year and continue to rise at a dramatic rate.

Imalia’s Computer Security and Data Protection cover has been developed with our specialist insurers to cover your business for costs incurred as a result of your computer systems failing or being hacked and your client data being stolen, manipulated or destroyed.

Our Computer Security and Data Protection coverage is designed to cover privacy, and other network security exposures to provide peace of mind. Whether it is personal, client or employee information, we all have an obligation to keep this information secure and private.

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When Bad Things Happen – We’ve Got You Covered

No matter how careful we are, accidents happen to us and our loved ones and sickness can occur at any time. These times can be very stressful for you and your family, but they may also have a great effect on your ability to earn an income and pay your bills. When the unexpected happens, you need to know that there is something that can help pay the bills whilst you get yourself back on your feet.

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Supporting Educators in Maintaining Quality of Cover

If you want to play a part in shaping the future of children, while running your own business from home, you deserve the best peace of mind you can get. Insurance is a key part of providing this essential service to the community. You want to keep your children, yourself and your home safe from anything that can happen, and you deserve to do that without having to worry about how you’re going to afford exorbitant fees.

We have created a new insurance program for educators. It changes the way Insurance for Family Day Care Educators is designed and purchased. If you have an existing policy, we can assist you with cancelling your existing policy and taking out Imalia’s Family Day Care Educator Insurance cover immediately.

At Imalia we develop policies that suit your needs. You can choose to take out Imalia’s Family Day Care Educators Insurance as an annual policy or as part of our unique Pay As You-Go monthly policy. With our unique Pay As You Go Insurance, on day 1, you purchase the first two months of cover and pay one month at a time. If you choose to leave the sector, due to illness or an accident, or go on an extended holiday or maternity leave, you can stop paying at the end of your policy month. It’s just that easy.

• Family Day Care
• In-Home Care
• In-Venue Care
• Out of Home Educator
• Relief Educator
• Relief Educator
• Educator Assistants

Coming soon….

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