If you are a motor trader then you are likely to require road risk insurance as it is a legal requirement to have at least third-party insurance to cover any accidents while you are on the road.
Having adequate road risk insurance can also help to protect your business’s reputation and financial stability by providing financial protection in the event of claim.
The suitable level of cover for you will depend on your exact business activity. For example, if you operate a car dealership you may require a higher level of cover than if you operate a smaller repair garage. It’s always a good idea to speak with a specialist motor trade insurance broker to ensure that you have the appropriate level of cover.
If you operate from a separate premises to you home that you need to insurance, then you will want a combined policy to wrap everything up in one cost effective policy.