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Working from home
If you are involved in the sale or repair of vehicles operating from your home address, this is the option you should select. The type of insurance you require is road risks insurance. This will cover you when driving vehicles in your possession, including those entrusted to you by a customer.
Working Full-Time From Business Premises
If you have business premises, you will most likely need traders combined insurance, so this is the option you should select. Traders combined insurance will provide you with road risks insurance, and will also offer other covers including the buildings (business premises) you trade from, employers liability cover for any staff you have, public liability cover for members of the public visiting your business etc.