What else should I consider with business insurance?
You should also make sure your tools and even any stock materials such as paint, wallpaper liner and paste are adequately covered by your painters and decorators’ insurance. Equipment that you’ve built up over years can be stolen or damaged so make sure you don’t lose the tools of your trade and check you’ve got enough cover to buy replacements.
Of course, if you drive a van then you’ll also need motor insurance by law. The rules for commercial van insurance are pretty much the same for private car cover, so third party cover is the minimum that you can opt for.
But, much like private car insurance, it’s worth looking at all the cover options. Remember that when it comes to insurance, cheap isn’t always best as it might not offer enough protection for you. Or for added protection you might want to consider commercial vehicle insurance which could provide protection for your equipment and carriage of goods.