Have You Considered A Combined Motor Trade Insurance Policy?

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It doesn't matter whether you own a mechanical workshop or a car dealership, whether you run a panel shop or car restoration business, a combined motor trade insurance policy can offer you all the protection your business needs on a daily basis.

This type of cover is a more in-depth cover that will protect every aspect of your business from your building to your employees and from your cash to your road risks. You may wonder what makes this cover so popular and why you should consider it, by putting all your requirements into one policy, you can save money in the long run, it's easier to manage and only one phone number to call when you do need to claim.

What is Covered?

Most brokers will be flexible and will tailor your cover to suit your business requirements whatever part of the industry you are in. The first big thing to be covered is your building which will be protected against fire, theft and storm damage. Then there is all the contents from your tools to your expensive machinery andequipment, your computers and even your cash. A flood or fire can quickly damage thousands worth of property, equipment and assets, you want the building repaired quickly while having all the things replaced or repaired.

Then there is liability cover, your public, employers and professional indemnity cover can be included in the cover. Public liability is essential for any business protecting you every time a customer arrives at your door, a public liability claim can amount to thousands and it's a claim you are legally responsible for. When it comes to employer's liability cover it's important you realise that this is a legal requirement in the UK the minute you hire one or more staff members. Your professional indemnity can be a blessing, mistakes do happen from time to time and rather protect yourself and your business with this essential cover.

Of course your job doesn't end there, you need to drive customers vehicles to ensure repairs have been carried out, for this you need road risks. If you sell cars demonstration cover is essential enabling you to give potential purchasers the opportunity to try before they buy.

But what about the other little things you can add to the cover that makes your life easier and ensures full protection of the business. Add loss of income to your combined motor trade insurance policy, don't end up out of pocket when your building is being repaired and you are unable to work.