Business Health Check

1. Do your customers avoid or delay payment of debts to you and if credit insured, are you experiencing difficulty in obtaining cover?

Yes   No  

2.Are you experiencing difficulties in securing credit terms with your suppliers?

Yes   No  

3. Are you experiencing restrictions imposed by your bank on your loans or overdraft facilities?

Yes   No  

4. To combat the affects of the Economic down-turn have you cut costs eg:

• Redundancy programme / reduced working hours / salary sacrifice/ pay freeze

  Yes   No  

• Have you received pro-rata reductions in insurance premiums

  Yes   No  

5. Have (or will) your budgets be reduced in any of the following areas:

• Risk management and insurance

  Yes   No  

• Fire and security protections at your premises

  Yes   No  

• H&S training

  Yes   No  

6. Do you insure your Intellectual Property?

n/a   Yes   No  

7. In the last 12 months have you reviewed your:

• Internal financial systems

  Yes   No  

• Legal liability exposures arising from your business contracts

  Yes   No  

• Employment practices procedures

  Yes   No  

• H&S compliance status

  Yes   No  

8. Are your Directors’ exposures to personal liability insured?

Yes   No  

9. Does your business strategy include:

• Company acquisition

  Yes   No  

• Company divestiture

  Yes   No  

10. What is the biggest issues associated with your insurance and risk management programmes?