This document discusses what is included in a motor trade insurance policy. These policies are designed for businesses in the vehicle industry and provide coverage for premises like buildings against damage from theft, fire or floods. They can also include loss of income coverage to continue paying bills if the building becomes unusable during repairs. Tools and diagnostic equipment are also often covered if damaged. Liability coverage protects against claims from customers injured on the business premises, while employer's liability is required by law. Motor trade policies may also cover vehicles used for business purposes with comprehensive coverage. Cash payments can be protected if kept safely on premises until deposited.

2. Most companies within the vehicle industry understand it's
essential to have a good policy in place, but they are not always
sure about what is and included in their motor trade insurance
policy.
These policies are specifically designed for this industry, providing
business owners with the peace of mind they need on a daily
basis when working in such a risky industry. It covers everything
from mechanical workshops to car dealerships and car
restoration companies to break and tyre companies. Anyone
who has a business within this industry will benefit from this level
of cover.

3. As with most policies, one of the first things you will find that are
included in a motor trade insurance policy is your premises.
Your building is essential to the daily running of the business, so
you want it protected against theft, fire and storm damage. In the
event that a flood makes its way through your property, you
know your insurer will pay to have the building repaired in the
shortest period.

4. This type of policy can include additions and one of these is the
loss of income cover, which is very beneficial should your
building be damaged, such as. In case of building damage and
you are unable to work while repairing, you continue to receive
an income to pay for staff and pay bills until you can get back to
work.

5. The next thing which can be included in the motor trade insurance
policy is your tools and equipment. In most cases it is probably
exceptionally expensive to replace some of the equipment you
use daily, such as diagnostic equipment. If the equipment
damages by fire or a storm, you want to replace them as quickly
as possible so you can continue making a profit.
Having this level of cover enables you to do so without breaking
the bank and paying for the replacement out of your own pocket.

6. Liability cover is essential in any industry and protects you against
any claims made against you. It doesn't matter how many health
and safety steps you take, accidents can and do happen.
Public liability is essential if you have any customers coming
through your doors and protects you should they injure
themselves while on site. Employer's liability is a legal
requirement once you hire staff to help you; this level of cover
protects you should a staff member injure themselves while at
work.

7. Other things you can include in your motor trade insurance are road
risk covers. This level of cover enables you to drive any vehicle on
the road. It is a legal requirement that anyone driving on the road
must have some level of cover.
When choosing road risks as part of your motor trade insurance,
make sure you choose comprehensive, this can save you a fortune
should you be involved in an accident while driving a customer's
vehicle.
Then there is other cover which can be included in motor trade
insurance, such as cash. Some of your customers may pay you in
cash and you don't get to the bank in time. Locking it in the safe is
good enough because you don't lose your important profits.

8. Resources:
http://www.insurancefactory.co.uk/motortrade-insurance/
http://ezinearticles.com/?Motor-Trade-Insurance-
Inclusions&id=8298737

9. Thank you for reading!Thank you for reading!

10. Thank you for reading!Thank you for reading!