Van insurance is for your vehicle, not your business
As a business owner it’s likely you’ll need a separate insurance policy for your company, such as small business insurance. This can protect you against a range of events through the provision of employer’s liability cover and public liability insurance.
Employer’s liability insurance This is a legal requirement for businesses with one or more employees. It covers you if they get injured or ill as a result of something that’s happened at work and make a claim against you for compensation.
Public liability insurance This isn’t a legal requirement, but if you deal with the public then it may be worth getting this cover added to your business insurance policy, as our guide explains. Again, it protects your financial interests if someone claims compensation from you.
Fixtures and fittings You may also need to get extra cover to protect the items in your van, for example your fridge, as well as equipment and stock kept in the van or elsewhere.