Car valeting insurance is designed to protect your livelihood against unexpected events that could lead to financial loss. Valeting presents a number of risks to the business owner. As careful as you may be, accidents do happen and can be very costly. Valeting insurance is designed to protect you in these circumstances, meaning you can focus on what really matters – running your business.
There are a number of factors to take into account when arranging your car valeting insurance. Public liability insurance is essential to protect against accidental injury or damage to property. For instance, if you accidentally scratch the paintwork on a client’s vehicle, you may be liable to pay compensation.
If you are an employer, then you will need to take out employers' liability cover to protect you in case your staff have an accident at work. Using chemicals requires care and attention. If a member of staff accidentally spilt a chemical on themselves causing skin irritation or burns then they may be entitled to compensation. Employers' liability would cover your legal costs and the medical costs of the employee, as well as any compensation you are liable to pay.
If you are driving client’s vehicles, even if only on private property, then you will need to take out road risk insurance to protect yourself. Road risk cover ensures you can legally drive other people’s vehicles during the course of your business.
Valeting requires a number of tools and specialist products that you may want to cover. If you are based at a workshop rather than being mobile, you should also consider cover for your buildings, contents and equipment.
If something happened to your tools, for example they were destroyed in a fire; business interruption insurance can protect your income and fixed expenses while you are unable to trade. This can help tide you over while you get back on your feet, and could also cover the cost of trading from alternative premises while yours is being restored.
If you are premises based, we compare quotes and make recommendations to ensure you get insurance that is tailored to your specific business requirements. Speak to one of our advisors today.
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