Several new cars at dealership salon.

Motor Trade Insurance

Motor traders come in all shapes and sizes from someone selling cars or offering mechanical repairs part time from home to car valeting and detailing right up to main dealers. Motor Trade Insurance can be split into a number of categories including Road Risk, Public and Employers Liability, Stock of Vehicles, Service Indemnity and Professional Indemnity for dealerships offering finance.

 

Buildings & Tenants Improvements

If you own the premises you trade from then you will need to include cover for buildings. This will cover the physical building including fixtures & fittings in the event of a loss such as a fire or flood. If you lease the premises you may want to consider insuring the physical changes you have made to the premises such as flooring and individual offices or meeting rooms built at the premises.

 

Contents & Equipment

Whether you are a sole trader with no employees or you have a team of sales staff and mechanics working from your premises you will need to cover contents such as furniture, computers, furniture, tools and equipment such as ramps etc. The cost of fitting out your garage and replacing tools, equipment, ramps etc. can be high so covering Contents & Equipment in the event of total loss is important under your Motor Trade Policy.

 

Stock

Obviously those involved in sales will need to have their stock of vehicles covered by their Motor Trade Policy however, for those in the associated areas of servicing & repairs, crash repairs and valeting etc. you should have cover for stock of vehicles as well. Customer cars in your garage need to be covered in the event of theft or even fire so it is vital to have stock correctly insured.

 

Public & Products Liability Insurance

We’ve covered Public Liability as a separate topic (which can be found here https://jvhutton.com/blog-public-liability-insurance/) but we’ll briefly cover it again. Public Liability Insurance provides cover in the event that you cause bodily injury, death or damage to property of any third party at your premises or in the course of your business. This could be as a result of someone coming to your garage to drop off or collect a vehicle and tripping over a trailing cable on the ground.

 

Employers Insurance

Just as you have an onus of responsibility to members of the public, you also have a duty to keep your staff safe. Employers Liability covers you in the event that one of your employees suffers a loss during the course of their work. As above, an example of this could be an employee tripping in the garage and injuring themselves.

 

Motor Trade Road Risks

Last but by no means least, we will look at the Motor Trade Road Risks policy. Like all other motor policies cover options include Comprehensive, Third Party Fire & Theft and Third Party Only. The Motor Trade Road Risks policy covers policyholders and named drivers to drive company owned vehicles. These would be vehicles owned by the company or directors of the company only and will not cover employees or family member vehicles. The policy will also cover drivers to drive customer vehicles. Some cover restrictions will may apply depending on vehicle value, size or classification.

 

Additional Covers to Consider

In the course of your professional duties you may want to consider other policies such as Professional Indemnity, Directors & Officers cover and Cyber Liability. You can learn more about these covers at https://jvhutton.com/professional-services-insurance/ and we will be covering these policies as individual topics in the near future.

 

JV Hutton Business are specialists in Motor Trade Insurance. Call us today on 01 8203722 or visit https://jvhutton.com/motor-trade-insurance/ to find out more.

Motor traders come in all shapes and sizes from someone selling cars or offering mechanical repairs part time from home to car valeting and detailing right up to main dealers. Motor Trade Insurance can be split into a number of categories including Road Risk, Public and Employers Liability, Stock of Vehicles, Service Indemnity and Professional Indemnity for dealerships offering finance.

 

Buildings & Tenants Improvements

If you own the premises you trade from then you will need to include cover for buildings. This will cover the physical building including fixtures & fittings in the event of a loss such as a fire or flood. If you lease the premises you may want to consider insuring the physical changes you have made to the premises such as flooring and individual offices or meeting rooms built at the premises.

 

Contents & Equipment

Whether you are a sole trader with no employees or you have a team of sales staff and mechanics working from your premises you will need to cover contents such as furniture, computers, furniture, tools and equipment such as ramps etc. The cost of fitting out your garage and replacing tools, equipment, ramps etc. can be high so covering Contents & Equipment in the event of total loss is important under your Motor Trade Policy.

 

Stock

Obviously those involved in sales will need to have their stock of vehicles covered by their Motor Trade Policy however, for those in the associated areas of servicing & repairs, crash repairs and valeting etc. you should have cover for stock of vehicles as well. Customer cars in your garage need to be covered in the event of theft or even fire so it is vital to have stock correctly insured.

 

Public & Products Liability Insurance

We’ve covered Public Liability as a separate topic (which can be found here https://jvhutton.com/blog-public-liability-insurance/) but we’ll briefly cover it again. Public Liability Insurance provides cover in the event that you cause bodily injury, death or damage to property of any third party at your premises or in the course of your business. This could be as a result of someone coming to your garage to drop off or collect a vehicle and tripping over a trailing cable on the ground.

 

Employers Insurance

Just as you have an onus of responsibility to members of the public, you also have a duty to keep your staff safe. Employers Liability covers you in the event that one of your employees suffers a loss during the course of their work. As above, an example of this could be an employee tripping in the garage and injuring themselves.

 

Motor Trade Road Risks

Last but by no means least, we will look at the Motor Trade Road Risks policy. Like all other motor policies cover options include Comprehensive, Third Party Fire & Theft and Third Party Only. The Motor Trade Road Risks policy covers policyholders and named drivers to drive company owned vehicles. These would be vehicles owned by the company or directors of the company only and will not cover employees or family member vehicles. The policy will also cover drivers to drive customer vehicles. Some cover restrictions will may apply depending on vehicle value, size or classification.

 

Additional Covers to Consider

In the course of your professional duties you may want to consider other policies such as Professional Indemnity, Directors & Officers cover and Cyber Liability. You can learn more about these covers at https://jvhutton.com/professional-services-insurance/ and we will be covering these policies as individual topics in the near future.

 

JV Hutton Business are specialists in Motor Trade Insurance. Call us today on 01 8203722 or visit https://jvhutton.com/motor-trade-insurance/ to find out more.

meeting

Office Insurance

In the third post of our new blog series we are going to look at Office Insurance and will go through the covers and additional considerations.

It doesn’t matter whether you’re an Accountant or a Zoologist, the principles of office insurance are the same. You need cover for your Contents, Equipment and Public & Employers Liability. Generally policies come as a package and can include covers such as laptops and phones away from the office, business interruption and in some cases the fraudulent acts of employees. Policies can be tailored to include various levels of cover to suit your needs.

Buildings & Tenants Improvements

If you own the premises your office is in then you may need to include cover for buildings if not covered under a block policy. This will cover the physical building including fixtures and fittings in the event of a loss such as a fire or flood. If you lease the premises you may want to consider insuring the physical changes you have made to the premises such as carpets or flooring and individual offices or meeting rooms built at the premises.

 

Contents & Equipment

Whether you are a sole trader with no employees or you have 50 staff working from your premises you will need to cover contents such as furniture, filing cabinets, reception desks and most importantly, coffee machines etc. The cost of furnishing an office can be high so covering contents in the event of total loss is important. The policy can be extended to cover laptops and other equipment away from the office if needed.

 

Public & Products Liability Insurance

We looked at Public Liability as a separate topic (https://jvhutton.com/blog-public-liability-insurance/) but we’ll briefly cover it again. Public Liability Insurance provides cover in the event that you cause bodily injury, death or damage to property of any third party at your office or in the course of your business. This could be as a result of someone coming to your office for a meeting and tripping over a trailing cable on the ground.

Employers Insurance

Just as you have an onus of responsibility to members of the public, you also have a duty to keep your staff safe. Employers Liability covers you in the event that one of your employees suffers a loss during the course of their work. As above, an example of this could be an employee tripping in the office and injuring themselves.

Additional Covers to Consider

In the course of your professional duties you may want to consider other policies such as Professional Indemnity, Directors & Officers cover and Cyber Liability. You can learn more about these covers at https://jvhutton.com/professional-services-insurance/ and we will be covering these policies as individual topics in the near future.

 

JV Hutton Business Insurance Solutions are specialists in arranging Office Insurance for all trades and industries. Call us today on 01 8203722 or visit https://jvhutton.com/professional-services-insurance/ to find out more.

In the third post of our new blog series we are going to look at Office Insurance and will go through the covers and additional considerations.

It doesn’t matter whether you’re an Accountant or a Zoologist, the principles of office insurance are the same. You need cover for your Contents, Equipment and Public & Employers Liability. Generally policies come as a package and can include covers such as laptops and phones away from the office, business interruption and in some cases the fraudulent acts of employees. Policies can be tailored to include various levels of cover to suit your needs.

Buildings & Tenants Improvements

If you own the premises your office is in then you may need to include cover for buildings if not covered under a block policy. This will cover the physical building including fixtures and fittings in the event of a loss such as a fire or flood. If you lease the premises you may want to consider insuring the physical changes you have made to the premises such as carpets or flooring and individual offices or meeting rooms built at the premises.

 

Contents & Equipment

Whether you are a sole trader with no employees or you have 50 staff working from your premises you will need to cover contents such as furniture, filing cabinets, reception desks and most importantly, coffee machines etc. The cost of furnishing an office can be high so covering contents in the event of total loss is important. The policy can be extended to cover laptops and other equipment away from the office if needed.

 

Public & Products Liability Insurance

We looked at Public Liability as a separate topic (https://jvhutton.com/blog-public-liability-insurance/) but we’ll briefly cover it again. Public Liability Insurance provides cover in the event that you cause bodily injury, death or damage to property of any third party at your office or in the course of your business. This could be as a result of someone coming to your office for a meeting and tripping over a trailing cable on the ground.

Employers Insurance

Just as you have an onus of responsibility to members of the public, you also have a duty to keep your staff safe. Employers Liability covers you in the event that one of your employees suffers a loss during the course of their work. As above, an example of this could be an employee tripping in the office and injuring themselves.

Additional Covers to Consider

In the course of your professional duties you may want to consider other policies such as Professional Indemnity, Directors & Officers cover and Cyber Liability. You can learn more about these covers at https://jvhutton.com/professional-services-insurance/ and we will be covering these policies as individual topics in the near future.

 

JV Hutton Business Insurance Solutions are specialists in arranging Office Insurance for all trades and industries. Call us today on 01 8203722 or visit https://jvhutton.com/professional-services-insurance/ to find out more.

shop

Shop Insurance

In the second post of our new blog series we are going to look at Shop Insurance. We will go through what’s included in the standard packages and whether you need it.

 

Whether you own a salon, coffee shop, clothes shop or hardware shop the principles of shop insurance are the same. At a minimum you should cover your Stock, Contents and Public & Employers Liability. Generally policies come as a package and will include elements of cover such as money, business interruption an in some cases, theft by employees. Policies can be tailored to suit your needs.

 

Buildings, Contents & Tenants Improvements

If you own the premises your shop is in then you will need to include cover for buildings. This will cover the physical buildings including fixtures and fittings in the event of a loss such as a fire or flood. If you lease the premises you may want to consider insuring the physical changes you have made such as redecoration, carpets or flooring and possibly fitting rooms and shelving etc. Finally, regardless of whether you own or lease your premises you will need to cover your contents and equipment which could include tills, computer systems, furniture, fridges and so on.

 

Stock

Regardless of the type of shop you own you will be have stock. Whether its food, beauty products, medications, car parts or clothing it is vital that you are protected against events such as theft, fire or storm damage. A shop insurance policy can provide cover for your stock.

 

Public & Products Liability Insurance

Shop Insurance automatically covers Public Liability cover in the event that you cause bodily injury, death or damage to property of any third party. This could be a situation like a customer slipping on a wet floor at your premises. Again Shop Insurance generally extends to cover Products Liability to cover any liability arising out of the sale, alteration or repair of a product such as a customer cutting themselves on a nail on a new couch. 

 

Money

Shop Insurance policies automatically extend to cover an element of money and other financial instruments on site during and outside business hours. There is usually limitations in place as to the amount of cash held and the security arrangements in place however, these limits can be extended to suit individual needs.

 

At JV Hutton we are specialists in arranging shop and retail insurance for all shop owners. Call us today on 01 8203722 or visit https://jvhutton.com/shop-insurance/ to find out more.

In the second post of our new blog series we are going to look at Shop Insurance. We will go through what’s included in the standard packages and whether you need it.

 

Whether you own a salon, coffee shop, clothes shop or hardware shop the principles of shop insurance are the same. At a minimum you should cover your Stock, Contents and Public & Employers Liability. Generally policies come as a package and will include elements of cover such as money, business interruption an in some cases, theft by employees. Policies can be tailored to suit your needs.

 

Buildings, Contents & Tenants Improvements

If you own the premises your shop is in then you will need to include cover for buildings. This will cover the physical buildings including fixtures and fittings in the event of a loss such as a fire or flood. If you lease the premises you may want to consider insuring the physical changes you have made such as redecoration, carpets or flooring and possibly fitting rooms and shelving etc. Finally, regardless of whether you own or lease your premises you will need to cover your contents and equipment which could include tills, computer systems, furniture, fridges and so on.

 

Stock

Regardless of the type of shop you own you will be have stock. Whether its food, beauty products, medications, car parts or clothing it is vital that you are protected against events such as theft, fire or storm damage. A shop insurance policy can provide cover for your stock.

 

Public & Products Liability Insurance

Shop Insurance automatically covers Public Liability cover in the event that you cause bodily injury, death or damage to property of any third party. This could be a situation like a customer slipping on a wet floor at your premises. Again Shop Insurance generally extends to cover Products Liability to cover any liability arising out of the sale, alteration or repair of a product such as a customer cutting themselves on a nail on a new couch. 

 

Money

Shop Insurance policies automatically extend to cover an element of money and other financial instruments on site during and outside business hours. There is usually limitations in place as to the amount of cash held and the security arrangements in place however, these limits can be extended to suit individual needs.

 

At JV Hutton we are specialists in arranging shop and retail insurance for all shop owners. Call us today on 01 8203722 or visit https://jvhutton.com/shop-insurance/ to find out more.

hse

Public Liability Insurance

In the first of our new blog post series we are going to look at Public Liability Insurance explaining what it is, who needs it, why you need it and what to do next.  

What is Public Liability Insurance?

Public Liability provides protection for businesses, associations and individuals. It protects against bodily injury, death or damage to property suffered by a third party. While not legally required in Ireland, organisations or anyone interacting with members of the public should consider purchasing Public Liability. Limits of Indemnity are normally offered at three levels;

  • €1,300,000
  • €2,600,000
  • €6,500,000

While these may be standard industry Limits they can be increased based on your needs. For many individuals or organisations like Accountants , IT Professionals and Tradesmen Public Liability can be purchased on a stand-alone basis. For shop owners, offices and manufacturers Public Liability usually comes as part of combined package.  

What is Products Liability Insurance?

You may be wondering why we are discussing Products Liability Insurance here. This is due to the fact that Public and Products Liability are combined under the one policy most of the time. The Limits provided match that of the Public Liability section of the policy. Products Liability protects you in the event that a third party suffers injury or loss as a result of a product sold or provided by you. An example of this would food poisoning from food sold in a shop, restaurant or café due to a dirty kitchen.   JV Hutton are specialists in liability insurance for all industries and trades. We can assist sole trades & business owners who require stand-alone or combined policies. Call us today on 01 8203722 to get a quote or visit www.jvhutton.com