Commercial vehicle insurance in Harrogate

Harrogate's conference and spa trade fills its roads with visitor transport — shuttle minibuses, event and exhibition vehicles, and the delivery vans that supply the hotels, retailers and the exhibition centre.

Where the risks come from for Harrogate businesses

Event peaks and passenger-carrying define the risk. Conference weeks put minibuses and shuttles on the road at capacity with rotating drivers, and carrying groups raises the passenger-liability stakes well above an ordinary goods van.

A Harrogate example

A Harrogate shuttle operator faced a passenger claim after a low-speed incident ferrying delegates during a busy conference. Passenger liability at an adequate limit on a hire-and-reward policy was what stood behind it.

What commercial vehicle insurance covers

Cover takes in the vehicle, hire-and-reward use, and passenger and public liability at limits suited to carrying people, with flexibility to add drivers around peak events. Delivery and goods vehicles sit on the same account under their own use.

Placing it in Harrogate with Apex

Apex arranges Harrogate minibus and commercial vehicle cover as an independent broker, FCA authorised under FRN 724952 and broking since 2009. A named broker sets passenger cover to a trade built on events, with access to 30-plus markets and Lloyd's through wholesale.

Related

• Business insurance Harrogate
• Public liability insurance Harrogate
• Employers liability insurance Harrogate