Case Study

“I’m so glad I met Ascend, as they reviewed my previous WFH Traders policy and quickly discovered it was no longer sufficient now we had moved into our business premises.”

Sector: Upgrading a Motor Trade Policy

Sub Sector: Transition from WFH to Business Risk Premises


The Problem:

The client had a road risk policy which limited their business activities to 3.5T vehicles and their vehicle indemnity limits to £10,000. But moving into their new units, they had new requirements to consider:

  • Employers’ Liability
  • Property Sum Insured
  • Engineering Inspection
  • Vehicle Types including 7.5T
  • Public & Products Liability
  • Defective Workmanship

The Solution:

We discussed the transition from a working-from-home road risks policy and moving into a Motor Trade Combined policy. We identified their new risk exposures, explained which sections had a legal requirement to insure and which were highly recommended.

The recommendations were dependent on the client’s perspective of the risk, which risks they were happy to “self- insure” and which exposures to cover through their insurance policy with Ascend.


Consultant: David Baker