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Vehicle insurance is not important, you can replace-repair using the companies’ income.
Insurances are put in place for a person or company to shift the risk incase of unforeseen events.
Risk mitigation assessment is done before a claim can be paid out
Public liability will not cover the client being injured or any damage occurred in the case of incorrect installation.
Keyman insurance is a safety net should anything happen to the key employee of the company, it is there to make sure the company proceeds as normal financially.