Consider the full scope of terrorism cover

Most business owners look at the obvious things when it comes to risk management: fires, floods, etc but have you considered damage to your business caused by terrorism?

By Lisa Parker, director, West Craven Insurance Services

As the threat and scale of terror attacks continue to develop, businesses must protect themselves from being directly and indirectly affected by the fallout.

The majority of business owners do not consider the long-term effects. Hundreds of businesses located at the site and also within the vicinity of a malicious attack, where no property damage occurred, have faced serious economic losses as a result of denial of access and loss of attraction following an attack.

With the number of attacks reaching a new high in 2017, this has become more of a regular occurrence, with the police and security agencies forcing businesses to close whilst they conduct their investigation. This leads to downtime for your business and damage to your brand.

The majority of Terrorism Insurance only covers you if there is an actual attack that causes damage but it doesn’t cover you for suspected attacks.

It is now possible however to arrange Terrorism Insurance that incorporates non-damage business interruption. Should your business be negatively impacted due to a terrorism-related closure you can recuperate losses.

Terrorism Insurance arranged by West Craven will contain 'potential threat cover' - a protection not included in most standard policies.With the current threat of terror in the UK at an all-time high, it is vital that you take steps to further protect your business against risk. Managing risk today means fewer surprises and unexpected consequences in the future.

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