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Cover for Tools of Trade & Liability

Questions anyone running a business should ask themselves–

  • Are my tools covered? – It is a common misconception that tools are automatically covered by your Van Insurance policy. Tools and equipment can be covered separately or added onto your Public Liability policy. To look at the best option for you, please speak to us at the office.

Tools policy claim example – shutterstock_94679761

The policyholder’s van caught fire due to an electrical fault whilst driving. The fire brigade put out the fire at the roadside, but the water that was used to extinguish the flames damaged his power tools beyond repair.

The Insured provided proof of purchase and his Tools policy paid out £1811.43 for the replacement of his damaged tools.

  • Have I reviewed my Liability Insurance? – If your Liability Insurance is not currently with Stuart & Co, we can give you a free review of your insurance to ensure it is up to date and still priced competitively.
  •  What happens if I am injured and unable to work? – If you are self employed and become injured, you may be unable to work whilst you are recovering. A Personal Accident policy can provide peace of mind by ensuring your bills will continue to be paid whilst you are not working.

The above issues are important to sole traders and small businesses alike.  For free advice on any of the above issues please speak to Stuart & Co’s commercial team on 01480 433443.


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