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Utility Saving Expert’s Guide to Valeting Insurance

If you are a car valet, customers are entrusting you with one of their most valuable possessions and they will demand that you take extra care. If an accident occurs or something unexpected happens, you will want to make sure you are well protected. A comprehensive valeting insurance policy is not only recommended, it is essential.

A car valeting insurance policy is specifically designed to protect your business against an unexpected and unforeseen circumstance which may lead to a financial loss. Car valeting comes with its own challenges for businesses. Even if you are the most consistently careful person, an accident can take place at any moment, often these can cost you hundreds or thousands of pounds. Valeting insurance is there to protect you should anything unexpected happen, allowing you to concentrate on more important matters – operating your business.

A general business insurance policy won’t cover many things car valeting insurance cover will. This means you will need tailored insurance designed to meet the needs of your trade.

There are various key points to consider before taking out a new car valeting insurance policy. To protect yourself against damage to property or accidental injury, it is very important that you have public liability insurance in place. A client may pursue a claim against you if you leave a dent or scratch their vehicle by accident.

This will possibly make you liable for compensation. You will need employers’ liability insurance if you are an employer. This is to protect you in the event any of your staff members have a work accident, whether they are employed permanently or casually. Care and attention is required when handling certain chemicals. An employee may suffer from a skin condition or a burn if they spill a dangerous chemical accidentally.

They may be eligible for compensation and may want to make a claim against you. The medical costs of the employee, and your legal costs on top of any payable compensation would be covered if you have employers liability insurance in place.

Road risk insurance covers you and allows you to legally drive a third party vehicle for the nature of your business, including clients. Car valeting requires different specialist tools and products that you may also wish to cover. If you have your own business premises as opposed to working remotely, it is a good idea that you look to get buildings and contents insurance for your business. If your specialist tools and equipment are stolen, damaged or destroyed in a fire, business interruption insurance can cover any loss of income including fixed costs whilst you are not operational and unable to trade. This will assist you while you get your business up and running again, it may even cover costs incurred from a different premises while the original premises is being restored or rebuilt.

Here are some of the things you may want to look for when comparing valeting insurance:

1.Damage to vehicles for work carried out
2.Public Liability
3.Employers’ liability
4.Buildings: office or work premises
5.Contents: Specialist equipment and tools
6.Stock and money held
7.Business interruption
8.Multiple drivers
9.Flexibility with customer vehicle indemnity limitations
10.Goods in transit
11.Sales and service indemnity
12.Drivers with claims and convictions

We recommend that you also take a look at Utility Saving Expert’s guide to business insurance for further information.