Liability Insurance

Motor trade liability insurance can protect your business against employee claims, slips or trips at your premises and accidental loss of or damage to property and vehicles arising from repair, servicing or maintenance of vehicles by you.

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Whether you work from home or Premises, or are Mobile, there is always a risk of someone making a claim against you arising from your work in the motor trade.


Liability insurance can help ensure you have the funds to defend or settle a claim. It also ensures that you have someone to assist you in dealing with the claim, leaving you more time to focus on running your business and making money.

What can it cover?
  • Employers’ Liability insurance – compulsory in virtually all cases if you have employees
  • Public Liability
  • Products Liability
  • Defence costs associated with claims made against you
  • The option to include cover for portable hand tools
Cover options:
  • Public Liability only
  • Public and Products Liability
  • Public, Products and Employers’ Liability
  • Portable hand tools can be covered at business premises only, or including cover away from business premises
Employers’ Liability: £10M
Public Liability: £1M, £2M or £5M
Products Liability: £1M, £2M or £5M
Portable Hand Tools: £1,500; £2,500 or £5,000


Read our Liability Summary of Cover and Liability Policy Wording for details of the cover available and exclusions that apply.


Managed by the Employers’ Liability Tracing Office (ELTO) of which most insurers are members, ELTO is an insurance industry initiative to centrally record basic details of all EL insurance policies. You can read more about ELTO on their website –

Other cover we offer

Find out more
Road Risks Insurance

If you are involved in the motor trade and have your own vehicles, or drive customers' vehicles in the course of your business, you probably need Road Risks cover.

Find out more
Premises Insurance

If you trade from premises, you probably have money tied up in your tools, equipment or stock of vehicles. Find our how our Premises cover could help you protect against loss or damage.

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