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Old 07.06.2012, 12:39
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Insurance / Overheads of small business

Hi

If there are any small shop owners out there, and those of you who know about running a small business, I wonder if you can give me some tips on overheads of running a small shop, or point me to some good good reading material.
I am thinking of renting a premises and wonder about what I have to do legally, insurance for the stock etc Is the shop insured by the owners if I am renting etc etc. I will be looking into it all but do value the opinions of those already running a business as the feed back I had on my idea's is great, and I find the best advice comes from those already there ! sometimes going to an insurance agency etc you end up with more than you need if you dont have an idea beforehand.
There would be no very expensive items instore,

thanks everyone
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Old 07.06.2012, 12:52
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Re: Insurance / Overheads of small business

Just like in your home, you need to insure the contents yourself and pay the utilities.
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Old 07.06.2012, 12:58
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Re: Insurance / Overheads of small business

A lot of this has to do with specifics I'm afraid.

Firstly it depends what business model you have i.e Einzelfirma, GmbH or AG.

Next the sphere of your business activities, amount of turn over and staff. Stock levels and values also.

The building insurance for fire and natural hazards etc in most rental cases is down to the landlord but you must have liability protection in place and separate cover for your assets.

Depending once again what you do you must have cover incase you cause bodily or property damage to a third party coupled with, if necessary, protection against Mr. G. Public suing you.

If you want to PM me I will happily help you, we insure a lot of business as well as a lot of personal cases for forum members and my OH owns and runs 3 retail businesses in Zurich.

Best,
David
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