Motor Trade

We understand that every business is different – even a repair garage’s needs are going to vary, depending on its size, type of repairs offered and whether it operates out of a permanent site.  

What cover is available?

• Property Damage - provides cover in the event of damage to any contents, machinery and plant or fixture and fittings in your client's business
• Business Interruption - here to help your client get back on their feet and trading as usual if they're impacted or have to close their doors due to an unforeseen insured event
• Commercial Crime - this cover can help protect your client's business for financial loss suffered due to fraud or dishonesty
  
• Cyber - any business that uses a computer program or system could be at risk from a cyber attack and there's a wide variety of attacks that cybercriminals could inflict on a business
• Employees' tools away from the premises - cover for tools left in locked vehicles
• Employer's liability -  required by law if the business has any paid or unpaid employees, this provides cover if anything happens to their employees as a result of the work they do
• Legal Expenses - whether it’s debt recovery, an unexpected employment dispute, damage to property or client contract issues, this cover can provide reassurance if your client faces misunderstandings and disagreements that result in legal action
  
• Management Liability - this cover can help protect individual directors, officers and companies against claims alleging a wrongful act
• Money and Assault - losing money, whether by accident or theft, we can help to protect against losses from their premises, at their home and whilst in transit
• New vehicle replacement - for vehicles less than 12 months old
• Plant tools, machinery, computers and electronic equipment - cover for damage or breakdown of tools that your clients can't trade without
• Public Liability - supports your client with legal fees and compensation pay-outs if your client is accused of causing injury or property damage
• Personal Accident - this cover is designed to provide protection for the business and support for the employee if they experience a work accident, death or serious injury
• Road Risks - for your client's own vehicles or those of their customers in their care, and it can include legal protection, medical expenses for personal injury caused directly by an accident, unauthorised driving or movement of vehicle and unlicensed drivers

Did you know?

Your clients will also be given access to Aviva Business Law, powered by Farillio. With access to business and legal guides and help with topics from branding to tax planning, it could help support your clients towards their everyday business objectives.