Different businesses will need different levels of cover. For example, if you use your van as a mobile food vender, you’ll need more cover than a self-employed delivery driver, as the public will be directly interacting with your van.
To make sure you’re fully protected, you might want to consider these additional business policies:
Legal cover: If you ever have to go to court because of an accident that wasn’t your fault, legal cover can take care of some of the costs for you.
Public liability insurance: You’ll need this if members of the public visit your business premises or if you organise events that are attended by the public. It’ll cover you in case anyone suffers an injury or damage to property as a result of your business.
Employer’s liability insurance: Similar to public liability insurance, it’ll cover you if a member of staff injures themselves at work.
Breakdown cover: Pretty self-explanatory… If you rely on your business for your income, you don’t want to break down and lose a day’s work. Cover could save you a lot of stress.