The policy must provide ALL RISK cover for any motor vehicle(s) which are the property of or in the custody or control of the operator for the use in connection with its business operation (own vehicles).

The policy must cover for customer’s vehicles on a full ALL RISK basis.

The limit for Customers’ Vehicles on the premises should be appropriate for the business, i.e. reflect the maximum value at risk at any one premises

The limit for contents of customers’ vehicles and loads should be appropriate for the business needs.

Commercial loads must be at least on a legal liability basis with an indemnity limit of £250,000 where the operator deals in commercial vehicle recovery

The policy must provide comprehensive cover for any motor vehicle(s) which are the property of or in the custody or control of the operator for the use in connection with its business operation. The policy must provide unlimited cover liability in respect of personal injury and no less than £5,000,000 for third party property damage.

Some policies limit single vehicles to a minimum value on both premises and road risk.  The limit should be appropriate for the business needs.

The policy must apply to both premises and road risk on a legal liability basis.

The policy must include provision of insurance to levels as a minimum of the following, which will apply to both premises and road risk:

Public Liability/Service Indemnity:           £5,000,000
Employers Liability:                                 £10,000,000

In addition, the policy will provide provision for General Indemnity Limit and Service Indemnity Limit of £5,000,000