With more than 50 per cent of small business owners in the UK saying they have been victims of anti-social behaviour, the need for adequate business insurance is even greater, suggests new research.
According to the business insurance company Zurich, 54 per cent of business owners have had to suffer abusive and threatening behaviour at their workplace.
Anti-social behaviour such as acts of vandalism and abuse are disrupting businesses on a day-to-day basis as well as increasing the potential dangers within the workplace environment.
Actual physical attack has affected one in ten business owners or employees in London and the south-east, and graffiti artists and vandals have targeted two in ten businesses in the capital.
An average of one in ten businesses in the West Midlands reported that racism disrupts their businesses on a daily basis.
This kind of behaviour can making working life unpleasant for both small business owners and employees, however some insurance policies could at least offer some financial support in the face of anti-social behaviour.
Small firms can opt for malicious damage insurance cover so they can afford to pay out for repairs after repeated incidents of vandalism.
However, they can also take steps to protect their business and lessen the likelihood of making repeated insurance claims.
David Nichols from the insurance company Zurich said that small businesses could help themselves by working with other small companies in the area and getting advice from the police.
He also recommends that small companies repair damage and remove graffiti as quickly as possible to avoid making their business look like an easy target. An adequate business insurance plan could help owners take such prompt action.
Anti-social behaviour increases need for insurance, suggests survey
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Anti-social behaviour increases need for insurance, suggests survey
Thu, 27 Apr 2006
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