Premises Insurance

Whatever your role in the motor trade, you’ll have invested in the right tools for the job – whether that’s equipment, stock vehicles, buildings or more. Premises insurance is all about protecting those assets. Plus it can help cover you for third party claims against you too.

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Think of us as another tool of the trade

We understand that motor traders like you invest a lot of money into their business premises, equipment and tools in order to do a good job. Whether you keep a large stock of vehicles at your premises or expensive tools in your van – the last thing you want is for any of it to be stolen or damaged.

That’s where we come in. Our cover keeps your premises and equipment protected – even buildings you lease, rather than own.

What does it cover?
  • Damage to the buildings (optional)
  • Contents, such as tools, machinery, plant, fixtures and fittings (if you have a Hire Purchase or other lease agreement, we can normally note the interest of another party on the policy)
  • Liability insurance – Employers’ Liability, Public Liability and Products Liability
  • Damage to vehicles left on the business premises, whether stock or owned for personal use
  • Theft of money
  • Business interruption, covering you against a fall in your profit if you can’t trade at your normal (subject to criteria and T&Cs)
  • Personal possessions of customers and employees
Cover options:
Buildings cover: Up to £200,000
Contents cover: Up to £140,000 (total cover)
Vehicles at premises: Up to £100,000
Annual Gross Profit: Choice of £50,000 or £100,000
Employers’ Liability: £10M limit of indemnity
Public Liability A choice of £1M, £2M or £5M
Product Liability A choice of £1M, £2M or £5M however, the products indemnity cannot be more than the public liability indemnity

 

Please note that our Premises cover must be bought alongside our Road Risks Insurance.

If you want to find out more about the cover options available, just get in touch or take a look at our Premises Summary of Cover, which outlines your options and any exclusions.

Other cover we offer

 

ROAD RISKS

Whether you take the wheel of your customers’ vehicles or drive your own as part of you day-to-day business, then Road Risks cover is for you. And that’s exactly what we offer.

 

LIABILITY INSURANCE

If you’ve got people working for you, or if you have customers regularly visiting your site, you’ll need to think about Liability insurance. We’re here to help keep you covered. 

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