Your guide to insuring a small business

it is unimportant whether your business is confined to an office or is more mobile, you will still require a level of insurance cover.

With small business insurance, there are a whole raft of liabilities that have to be covered by law. it could be disasterous for the company if these liabilities are not covered in the event of an accident. One of the most important aspect of office insurance, is General Liability. it is a legal requirement for all limited companies, and covers the safety of employees and members of the public.

Business van insurance is an area often overlooked by owners of vans who are self-employed or who run a fleet of vehicles. Because the premiums are slightly more expensive, it is often assumed that standard insurance is enough. The owner would be taking a great risk, as the contents would be unlikely to be covered. It may also be true that because of the likelihood of the van meeting with an accident whilst transporting goods, damage is highly likely to occur.

When a van reaches a certain age, it is often collision damage cover that is first to be dropped. When hit by someone else it would usually mean that they are no longer covered. This is not a recommended path to follow, as your vehicle could be written off at any time, for example by a branch from a tree. if you look closely at the details of a policy, you may find that by excluding this cover you are not really saving much money.

The cost of van insurance has come down, due to the competition available. it would not be out of place to expect the following benefits:

1. 24 hour accident recovery and roadside assistance. In the event of an accident, if fully covered, you would expect to receive roadside help. if your vehicle is damaged and unusable, it would be reasonable to expect a replacement vehicle.

2. Repairs guaranteed for many years in selected and approved garages.

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