Furniture removal insurance

Why is furniture removal insurance important?

In the furniture removals business, you can’t always prevent mishaps like broken toes, dented walls and smashed heirlooms – but you can make sure you’re covered. Furniture removal insurance can protect you against the cost of incidents at work.

Furniture removal insurance FAQs

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about furniture removal insurance.

• What insurance do I need for man and van?

  This depends partly on the way you run your man and van business, and partly on what’s important to you.

  Do you have people working for you? Remember, you’re legally required to have employers’ liability cover.

  And because you come into contact with other people (and their belongings) over the course of your removals work, public liability insurance is worth thinking about too. It steps in to cover the cost of accidental damage to somebody else’s property or accidental injury.

  Do you rely on equipment such as a phone or laptop? You might also want to look into business and office equipment insurance.

  Are you interested in safeguarding yourself and others from the financial difficulties that can follow on from injury and illness? That’s what personal accident insurance is for.

  Finally, do you want an extra layer of protection against expenses following on from disputes with clients or employees, such as court costs and compensation payouts? You can take out legal expenses insurance.

  Still feeling uncertain about what insurance you need for your man and van business? You might find it helpful to read our guide on assessing the risks.

• Can I add cover for a different trade or profession to my business insurance policy?

  Yes. It’s important to make sure you have the right type and level of insurance for the different types of work you do. For example, if you’re a plumber, you may also do building work on certain jobs – you’ll need additional cover for this, but you can have it all on the one policy. When you start your quote, you’ll have the option to add another trade or profession to your policy. If you need to add a third trade, give us a call on 0333 043 8527 and one of our insurance experts will help you set up your policy in minutes.

• Can I buy business insurance if I’ve had any CCJs or IVAs?

  Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.

• What’s the difference between paying by Direct Debit and paying in one lump sum?

  You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:

  • one-off credit or debit card payment
  • BACS payment
  • Direct Debit

  If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly installments.

• Does public liability insurance cover my business for the actions of my employees?

  This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.

  If you employ people, you’re required by law to have employers’ liability insurance.

  There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.

We create this content for general information purposes and it should not be taken as advice. Always take professional advice. Read our full disclaimer