Many commercial insurance policies will allow you to reduce or increase the amount of cover as the needs of your business change.

However, if you are developing your business, you may find that it is the ideal time to review your insurance cover – you may be able to save money.

It may also be a good idea to review your personal insurance at the same time for critical illness or accident and life cover.

If anything happened to you, how would this affect your business as well as your family and any liabilities your company has?