In your work, you may have to carry passengers in your vehicle – a colleague, employee, or, in the case of private or public hire vehicles, paying customers.  Some commercial motor policies won’t cover you for carrying passengers, so if you regularly provide lifts to co-workers or customers, then you’ll need passenger cover to ensure that your policy will still protect you in the event of an incident

With Coversure, every commercial vehicle policy comes with uninsured loss recovery cover as standard.  This excellent feature means that if you’re unfortunate enough to be in a non-fault accident with an uninsured driver, you’ll be insured against losses.  The cover doesn’t just protect you for your vehicle repair costs but also for loss of earnings, excesses, and other out-of-pocket expenses.  With over 1 million uninsured drivers on the UK’s roads**, this could save you from potentially footing a hefty bill through no fault of your own

Tools insurance is particularly important if you’re a tradesman, but it applies to anyone that transports the tools of their trade. Whether you have power tools, hairdressing kit, cleaning equipment, chainsaws, or ladders on board, they’ll be covered against accidental damage, loss, or theft, meaning that if the worst happens, you’ll be able to get them repaired or replaced quickly.
Given these are the tools of your trade and you may be unable to work without them, this is an option you’ll want to have in place.

This is the main area of cover, and it will make it road-legal.  In this respect, commercial vehicle insurance works much like your standard motor policy.  Depending on the level of cover you take out – third-party, third-party fire and theft, or fully comprehensive – you’ll be insured against your vehicle being written off, damaged, or stolen.  The added advantage of commercial vehicle insurance is that it also allows you to remain insured when you’re travelling to multiple places of work

One of the most significant issues with any vehicle is that it could break down, leaving you stranded, unable to work, and facing a recovery bill. This is why it pays to know that in the event of a problem, you have breakdown and recovery cover as part of your cover.  With it, you can get back to work and back to earning a living more quickly

This will cover your legal expenses should you need to claim for uninsured losses following an accident that wasn’t your fault.  If you’re prosecuted for an event related to using/owing your vehicle, it will cover your legal fees and give you access to confidential legal advice

This will protect you should someone be involved in an accident at work.  It will pay out in the event of death, bodily injury, or disablement.  The compensation provided can pay for temporary staff or cover the overtime cost for other team members

This is a legal requirement if you employ people. It provides cover in the event of your employee injuring themselves or if their property is damaged while at work. The law says that if you employ at least one person, you must have employers’ liability insurance (sometimes called ‘E.L. insurance’) to protect your employees in case they are injured or become ill as a result of working for you. Your policy must:

• Cover you for at least £5 million
• Be with an authorised insurer
• And employers must provide a safe working environment

Provides cover should a member of the public injure themselves or if their property is damaged while you are working.  It covers the cost of claims made by members of the public for incidents that occur in connection to your business’s activities, for example if they slip on the floor and decide to sue you, you’ll be covered.