Protection with Small Business Car Insurance
Operating a small business today is a demanding and costly task and advantage should be taken of every opportunity to protect this valuable asset. The delivery of products is reliant on your vehicles and accordingly, should any vehicle suffers a breakdown for one reason or another, it could cost you valuable revenue and incur additional expense, making a difference to the crucial bottom line.
Small business car insurance is an essential part of your operation. It could provide for assistance in the event of a roadside breakdown, even at your home or business addresses. Provision is made for the recovery of your vehicle, usually to any destination in the United Kingdom, and a specified number of passengers. Should your vehicle not be repaired to running order at the scene of the breakdown, you are covered to be taken to your destination and generally have the option of a seventy two hour car hire service. Mainland European cover is extended in respect of breakdowns, accidents and fire related assistance.
Although small business car insurance is not offered by every insurer, there are those available who will provide you with highly competitive quotations. It is crucial that you research the varied options available to you from providers, comparing the cover provided and the rates charged. Other criterion should be that a safe driving record is rewarded, even though you are not paying a private based premium.
An option provided by some insurers is a packaged policy which has been designed to meet the various applications of different industries. They are generally perceived as being highly competitive in respect of coverage and their rates. Most business sectors are covered, including shops, restaurants, offices, hotels and a large variety of other enterprises. There are certain basic aspects covered in this package, for example, employers public and products liability. Added to this cover, can be stock, equipment, legal expenses and other required options.
An important consideration for any business is that there is a legal requirement for insurance in respect of third party damage, including personal injury. This is relative to the owner or an employee driving the vehicle and causing damage to property or another person.
Specialist Risks will be happy to quote you for small business car insurance