In the UK, legal requirements for motor traders when it comes to insurance can seem overwhelming. On the contrary, they’re quite simple.
In order to drive your vehicles on the road as part of your business, you’ll need motor trade insurance. The level of coverage you opt for is up to you, but you need a third-party road-only policy as a bare minimum.
Other than that, you’re free to insure, or not insure, whichever aspects of your business you see fit, but obviously the lower the level of cover, the greater the risk.
The only exception is if you employ anyone who isn’t a family member, in which case you’ll need employer’s liability insurance.