Window Tinting What insurance do I need in

[ineedadollar]

Basically me and my friend are planing on opening a window tinting company/Car detailing company
We are working on a getting a place sorted
We have already figured out the costs of most things

However we are not lawyers and these days theres laws and insurance needed for everything.

Does anybody have a idea of what insurances we might need as we could possibly be moving customers cars around the workshop and have customers on our land so we are assuming we will need some form of insurance etc

Any help will be greatly appreciated

 

[lockyer]

It depends if you are a Ltd co or a partnership.

If you are limited then you legally require employers liability cover, if just a partnership then you legally require nothing.

However it would be prudent to consider the following:

1. Public Liability Insurance
2. Motor Trade road risks to cover the clients vehicles if you need to move them.
3. Motor trade internal risks to cover your equipment, stock and any vehicles at your premises (i.e someone steals a car whilst its in your custody).

A good local insurance broker will be able to help set these up for you.

 

[ineedadollar]

Thanks I will look Into all the cost of all them

 

[ZboMotor]

If you've no intention of driving the vehicles on the public road you could do without a motor trade insurance policy to cover your road risks. This would be one way to keep costs down. You and your partner could carry on using your individual motor policies (make sure you have cover for driving for business purposes) and just obtain a public liability policy to cover customers at the premises and another seperate policy to cover equipment at the premises.

However you could include cover for your vehicles, customer vehicles, liability and equipment on a smaller motor trade combined insurance policy. However most insurers these days will require you to have some experience in the motor trade before offering a motor trade combined policy.

Tradex Insurance would be pretty much your only bet if you have no motor trade experience or can't obtain a company letter from a previous employer in place of no claims bonus. Their cover is not as cmplete as other insurers and their service is often poor but they will at least let you get a foot in the door and you can look elsewhere after a year or two.

 

[lockyer]

Or mma will do it as long as they have private car Ncd to bring across on their motor serve product