Liability insurance from DNA

What is liability cover?

Running a motor trade business comes with everyday risks — from working on customer vehicles to handling tools, stock and equipment. Our enhanced Liability cover is here to protect you and your business if a third party raises a claim against you for injury or damage to themselves or their property.

For a motor trader, it’s especially relevant because it covers risks that can arise from everyday activities like repairing, servicing, selling vehicles or having customers on-site—helping protect against costly claims and legal expenses.

Public v Product – What’s the difference?

Liability insurance isn’t one‑size‑fits‑all. Public and product liability cover protect against different types of claims, so it’s important to know where the line is drawn.

• Public liability: Covers injury or property damage caused by the trader’s activities. For example, if a customer was to slip on oil on the workshop floor or tripping over a misplaced spanner.
• Product liability: Covers injury or damage caused by a product supplied or fitted. For example, if a customer was to have an accident due to you fitting a faulty part.

Levels and limits of indemnity – what do they mean?

Liability insurance isn’t just about having cover in place — it’s about making sure the limits and extensions match the real risks your motor trade business faces. Here’s what these key benefits and options mean in practice.

Service Indemnity available up to £500,000 (subject to conditions)

Protects you if a customer suffers financial loss due to an error or omission in the service you’ve provided, such as incorrect advice or work carried out incorrectly.

Financial loss cover up to £50,000 included as standard

Covers claims where no physical damage or injury has occurred, but a customer has suffered a financial loss linked to your business activities.

Increased stock cover up to £25,000 and business equipment cover up to £10,000 available

Provides higher protection for vehicles held in stock and essential tools or equipment, helping reduce out‑of‑pocket costs if they’re damaged or lost.

Optional add‑ons including Legal Expenses, Business Interruption and Money cover

These extras can help with legal costs, loss of income following an insured event, and protection for cash held on site or in transit.

Multiple trades and activities covered under one policy, often without referral

Allows different motor trade activities – such as sales, repairs, servicing or valeting to be insured together under one flexible policy.