In all my years of being self-employed I have learned many things, many things I’ve learned have been because I have listened to the advice of other small business owners, where other lessons I’ll be honest have been learned through my own mistakes. Obviously as a small business owner I have been responsible for my livelihood and my tools and assets by always ensuring that I have had the correct level of insurance cover, whether this has been my public liability insurance or my more general stock insurance. I have to say however back in the early days one of the most important tools I utilized was my van, without my van I never could have made all of my deliveries and pick ups on time not to mention got to job sites and appointments on time.

Of course being a responsible business owner I had van insurance to cover my van from the usual mishaps such as if my van got stolen or if I was involved in an accident I could be certain that I was covered and my losses would be reimbursed. As with any insurance there are many variables that you can adjust or even exclude from your type of cover, the point of this article is to stress how important it is to ensure that you understand if you need all of these different extras and if you do take out these extras on your insurance policy that they offer adequate protection based on your circumstances.

For example you may want to make sure that if your van is stolen that your insurance company will be prepared to supply you with an alternative that to use so that you don’t end up being unable to perform your job. Without this level of cover you may find you will need to take out some kind of temporary car insurance to ensure you are still insured for business use.