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Absolutely! You are exposed to cyber risks if you store customer data or use computer systems. Cyber insurance protects against data breaches, ransomware and other digital threats.

Your business's size influences the scope and limits of cover required. Small businesses may need basic coverage, while large companies may require higher limits and specialized coverage.

Generally, yes, but certain events, such as floods, may require special coverage. Check the details of your policy.

Remoteness can increase premiums due to increased risks and longer response times in the event of a claim.

Only sometimes automatically. These items may require additional coverage or a separate policy.

Contact your broker immediately. Document the damage and take steps to prevent further damage.

Install security systems, consolidate your policies, increase your deductible, and conduct regular inspections.

Cottage insurance considers specific risks such as prolonged vacancy, remoteness and seasonal activities.

It offers adequate protection but may require regular inspections or remote monitoring systems.

Often yes, but check the details of your policy. Certain types of damage may be excluded or limited.

Short-term rentals may require additional coverage. Inform your insurer of this activity.

Generally not. Cottages require a separate insurance policy because of their specific risks.