By having a high level of cover you are demonstrating that you are a respectable business which takes “health and safety” very seriously, and that you fully understand your own responsibilities. You might consider the risks that your business faces to be small or even affordable, but if this is the case then there is a very good chance that you are underestimating them. The chances of your business being hit by an earthquake or a flood or destroyed by a fire might seem low, but disruption to your work can have serious consequences. Road works, police cordons and criminal acts could incur huge costs to your business and cash flow. However, all of this could be prevented with the right insurance cover.