If you are a self-employed tradesman or run your own company, there are many things you need to take into consideration when it comes to insurance. Aside from obvious policies that you will need like commercial van insurance, you may want to do some research into public liability insurance. Although this type of insurance is not a legal requirement, many clients will not allow you to work for them if you don’t have any cover in place.
Public liability is designed to protect you and your business if you come into contact with members of the general public and their properties and can be purchased alongside your van insurance so your renewal date is always the same. This insurance will cover you in the event of claims with regard to third party property damages, injuries and – in the unlikely event – death claims. If you have staff that work for you, you can also extend the cover to include employers’ liability, so you are safe in the knowledge that your employees are covered too.
There are various levels of cover that you can choose from, depending on the work you do. Cover usually ranges from 1 million to 5 million, but in certain circumstances this can be extended to fit individual requirements. It is advised that you speak to your insurer or broker before taking out the insurance so you can identify exactly what you need.
If you are unsure of which level of cover you need, they will be able to fact find and find the best level to suit your business needs, always be clear and concise about the information you give for your van insurance and public liability as incorrect information may result in a void insurance in turn increasing the amount you could pay for a claim.
For more information please visit – www.autonetinsurance.co.uk
