Business insurance protects businesses against losses suffered in the course of their normal activities, particularly when the business faces a compensation claim. Covers include professional indemnity insurance, public liability insurance, and employers’ liability insurance.
Business Insurance can provide cover for your business’ premises and contents, against loss, damage or theft, also offering protection against financial loss experienced from an insured interruption to your business.
If you work in the industry, whether you’re selling, buying, fixing, moving, cleaning or recovering vehicles, then you need Motor Trade insurance to protect you and your customers, should anything happen. Whether you work from home or from premises, are full-time or part-time.
If you take vehicles onto the public highway then you need road risk cover.
This protects your business against claims from your staff – you should have this if you have employees regardless whether they’re driving vehicles or not.
This covers you and your workers against claims made by customers or members of the public.
This covers any vehicles or equipment you own, for example if you run a motor dealership it means your unsold vehicles are insured.
This would cover your business for the likes of road risk as well as equipment and even your premises.
For many businesses, it’s important that their trade policy covers all their staff.
If you need your insurance to cover your staff to drive vehicles from cars to vans and even HGVs, it’s likely to be much more expensive.