Insurance
Business Insurance
Running a business means carrying risk — for your premises, your people and your operations. Bcare helps businesses in Thailand explore insurance solutions appropriate to the way they actually operate.
Who we help with business insurance
Every operation carries different risks. We regularly speak with:
SMEs
Small and medium-sized businesses wanting a clear view of the risks worth insuring.
Property businesses
Companies whose operations revolve around buildings, rentals or developments.
Hospitality businesses
Villas, guest services and accommodation operators with guests on site.
Offices and professional firms
Teams whose risks centre on premises, equipment and professional activity.
Commercial operations
Shops, services and trading businesses with day-to-day operational exposure.
New ventures
Founders setting up in Thailand who want to start with sensible protection in place.
Categories of risk a business may need to consider
Commercial insurance varies enormously between businesses. Depending on the nature of the business, insurance needs may fall into several of the groupings below. These are areas to discuss — not a list of products.
Property & assets
- Premises, whether owned or leased
- Stock, equipment, fit-out and fixtures
- Specialist or high-value equipment
Liability
- Injury or damage to customers, visitors or the public
- Products or services provided
- Contractual or landlord insurance requirements
Employees & people
- Statutory obligations relating to employees, where applicable
- Employee benefit or group arrangements a business may wish to consider
- Directors and key individuals
Business interruption
- Lost income if trading is disrupted by an insured event
- Additional costs of working during recovery
- Dependence on a single site or supplier
Vehicles & transport
- Company vehicles and delivery activity
- Goods in transit
- Staff driving for business purposes
Specialist risks
- Professional or advisory activity
- Guest-facing hospitality operations
- Anything unusual about how the business operates
What Bcare needs to understand
- What the business actually does, day to day.
- Where it operates, and whether premises are owned or leased.
- The property, stock and equipment involved.
- The number and type of employees, where relevant.
- How much contact there is with customers or the public.
- Vehicles and equipment used in the business.
- Revenue, and how disruptive an interruption would be.
- Previous claims and any contractual insurance requirements.
How Bcare helps
- 01
We learn how your business works
Premises, staff, customers, vehicles, stock — we begin from your real operations, not a template.
- 02
We explore suitable directions
As a broker, we help you explore business insurance options and understand what each would mean in practice.
- 03
We grow with you
As your business changes, your insurance should be reviewed. We stay available as a long-term point of contact.
Bcare Insurance is an insurance broker. Our role is to help you understand your needs, explore appropriate insurance options and understand the differences between them — then stay available through the life of the policy.
Understanding your insurance
A few terms that come up often in this category, explained in plain language.
- Business interruption
- Protection relating to lost income or added costs after an insured event disrupts trading, where the policy provides it.
- Third-party liability
- Protection relating to injury or damage you may cause to other people or their property, where the policy provides it.
- Sum insured / coverage limit
- The maximum amount a policy may pay for a covered claim, or for a particular benefit within the policy. Limits vary by insurer and plan.
- Deductible / excess
- An amount you may be responsible for yourself before the insurer contributes to a claim. Choosing a different deductible can change how a policy is priced.
- Exclusion
- Something a policy states it does not cover. Exclusions differ between policies, which is why reading the wording matters.
- Renewal
- Continuing cover for a further policy period. Renewal terms, and whether they can change, depend on the insurer and the policy.
Common questions
Why does business insurance depend on the type of business?
Because the risks do. A restaurant, an office and a rental property business face very different exposures, so the relevant insurance discussion is different in each case.
What information may be needed to assess business risks?
Typically what the business does, where it operates, its property and equipment, its people, its vehicles and its claims history. Requirements vary by insurer and by the type of insurance being considered.
Can several risks be discussed together?
Yes. It is common to review a business as a whole, then decide which areas are worth insuring and in what order.
Not sure where to start?
Tell us what you want to protect. Bcare will help you understand your options and point you in the right direction — with no obligation.
Ask Bcare About Business InsuranceInformation on this website is general in nature and is not a quotation or a confirmation of coverage. Coverage, benefits, limits, conditions, exclusions, eligibility and underwriting vary by insurer and policy. Please review the applicable quotation, policy schedule and policy wording before purchasing insurance.