Motor Trade

Usually covered under a Motor Traders Combined policy providing:

• Employer’s Liability ^{Legal Requirement}
  A legal requirement for all businesses employing staff. Covers your legal liability to pay compensation to employees for death, injury or illness arising out of their employment.
  
  
• Public Liability ^{High priority
  Covers your legal liability to pay compensation for death, injury or illness to members of the public at large or any loss or damage to their property arising out of any business activity.}
  
  
• Products Liability ^{High priority
  Covering your legal liability for death, injury or illness or loss to third party property caused by or arising out of any product sold or supplied.}
  
  
• Property Insurance (including Stock and Contents) ^{High priority
  Covers your Buildings, Machinery, Contents and Stock. Choose between covering Fire and Perils or All Risks cover can be extended to cover goods held in trust, work in progress, goods in transit.}
  
  
• Business Interruption
  Covering your loss of Gross Profit and additional cost of working following any insured loss.
  
  
• Money Insurance
  Provides cover for loss of money on or off the premises. Can be extended to cover money in transit. Conditions may apply e.g. Safe.
  
  
• Goods in Transit
  Covering Loss or damage to goods while in transit.
  
  
• Engineering Insurance (including statutory inspection) ^{Legal Requirement}
  Provides statutory cover for Lifting Equipment and Pressure Vessels, It can be extended to cover breakdown and loss or damage to equipment.
  
  
• Motor Insurance (including customers cars) ^{Legal Requirement}
  A legal requirement for any vehicle used on the public highway. The minimum cover necessary is "Third Party", Comprehensive polices offer cover for your own damage.

We also recommend:

• Commercial Legal Expenses
  Covering the Businesses Legal Costs needed to defend or mount proceedings in court.
• Credit Insurance
  Covering losses due to the insolvency of a trading partner or their failure to pay accounts.
• Motor Legal Expenses
  Covers the costs incurred in pursuing a third party for costs following a no fault accident.
• Fidelity Guarantee
  Covers the business against fraud or dishonesty of employees.
• Group Personal Accident & Sickness
  Providing the employees of the business with benefits if they are injured or sick.
• Group Private Health Insurance
  Covering the employees for private medical expenses and hospital fees.