INSURANCE

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Business Insurance Made Easy Blyth Valley's easy, online business insurance is specifically designed for small and medium-sized businesses, sole traders and contractors. Get an instant quote for the cover you need, and if you like the price, go ahead and buy online.      - Public liability - from £57 per year      - Employer's liability      - Tools cover      - Computers and laptops      - Office contents and buildings Click for an instant, free quote now www.blyth-valley.co.uk/business or call 0845 370 9044

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VAN INSURANCE

Both insurance and security are critical to most van owners. If your van is out of action your business stops, so good insurance cover is essential. Keeping your premium down is best achieved by a bit of shopping around and then taking the following actions:-

Firstly, try and restrict the number of drivers on your policy, ideally to named drivers only and if your business can take it only to drivers over age 25.

Secondly, take out no claims discount protection. Even if this means a short term premium increase it will make it easier to budget knowing that you can have a couple of claims over the three year period without having to fork out extra every month.

Your van insurance won't cover any tools or materials in your van, so make sure they are taken out overnight and ideally store your van in a garage or a locked yard overnight.

GOODS IN TRANSIT INSURANCE

Couriers and hauliers in particular may want to protect their business by taking out goods in transit insurance which covers goods against loss or damage whilst they are in your vehicle, whether they are your property or whether you are acting as a carrier. Commonly the sum insured would be against a limit for each vehicle or within any one consignment. The cost of these premiums can vary dramatically and it is worth hunting about for a specialist in the kind that you carry.

TOOL COVER

Similarly tool cover quotes can vary dramatically with many insurers limiting the amount of cover for the van to relatively modest amounts such as £1,500. It certainly pays to shop around with many big brand insurers offering tool cover alongside their general insurance packages.

EMPLOYERS' LIABILITY INSURANCE

By law all employers must ensure against the liability for injury or death to employees sustained by them arising from their employment. This will normally both full time contracted employees and apprentices and also those contracted from another employer. Only close relatives escape this liability. The law requires at least £25 million worth of employers' liability cover but in practice most policies are double that.

PUBLIC LIABILITY INSURANCE

Public liability insurance covers your legal liability for damages should a member of the public claim for death, bodily injury or damage to their property as a result of your business's activities. It should also cover legal fees, costs and expenses should such a case go to court. As with any form of insurance it is important to take proper advice about the amount of cover you need as single award for injury can exceed £1 million. Note however that third party insurance on a motor vehicle does cover your liability to others in regard to the vehicle itself.