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Interior Decorators like to be as perfect as possible. Yet, it is one of the most intrinsic facets of human nature to err. Just as to err is human, to not forgive is probably even more human. There are also chances that an accident at the work site results in the death or seriously injures one of your workmen. If you invest in a Workmen's Compensation insurance policy, then the costs of transportation and hospitalisation will be paid by the insurance company.
During your professional career, there is always a chance that at any given time, your client might have to suffer a loss owing to an error that you made while choosing the renovation material. Any error made has to be rectified. And that means having to deplete your private financial resources to make good your client's loss. Why not invest a part of your earnings in Professional Indemnity insurance and protect yourself from legal liability imposed by your client?
We also assume that your office employs a sizable number of people and uses highly sophisticated electronic equipment for designing and calculations. In spite of the best security measures, there is no guarantee that your workplace will not be targeted by malicious and unscrupulous elements. The costs of rebuilding or replacing lost materials are exorbitant but you have to pay them anyway.
If and when any contingency arises, an Office Umbrella policy would be prove adequate to the occasion since it will compensate you against most of the major risks that your corporate office might be vulnerable to.
Similarly, your office projects and plans are privy information. And there is a strong chance that a defecting employee might leak your office secrets to any of your competitors. The Office Umbrella policy also provides cover against such acts or circumstances.
As an employer, you obviously certain responsibilities towards your office employees as well as your outdoor site workmen. Office salary structures that incorporate gratuity and provident funds can be modified to include Group Life insurance with Accident Benefits. The tax savings are substantially larger and no scheme offers as much security as a Group Life insurance plan.