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Get Skip Hire Insurance for your Business
If you’re on the lookout for the right skip hire insurance policy for your skip hire company, there are a few things to bear in mind to make sure you have sufficient cover for every eventuality. Here’s what you should think about when you’re shopping around for quotes.
Cover for loss or injury
Skips and skip loader lorries pose a risk to the general public, from skips left in the road to the process of loading and unloading skips from the back of lorries. Public liability insurance is therefore essential, as it will help you cover the cost of being taken to court and paying compensation for injury suffered by a member of the public. This also covers damage to their property; for example, if a skip were to hit someone’s car while being unloaded. You may find that your local authority requires a certain level of public liability insurance if your skips are going to be left in public places, so it’s worth checking this with them.
Your employees could also suffer injury during the course of working for you, so employers’ liability insurance is vital. For larger skip hire companies, directors’ and officers’ liability insurance is another extra that you may want to add on. It’s there to protect your personal assets in the event that you’re found to be accountable for losses suffered as a result of personal negligence.
Cover for your skip loader fleet and equipment
Your livelihood depends on your skips and skip loaders, so you’ll need to ensure you have the right skip hire insurance in place to keep your business going should they be lost, damaged or stolen. Lorry fleet insurance can save you money compared with the cost of insuring your lorries individually, with the added convenience of having a single renewal date to keep track of. Of course, you can also take out cover for a single loader vehicle if you’re a one-man-band.
Don’t forget that you’ll need specialist cover for your skip loaders, as these carry a few different risks to normal lorries. You’ll need to ensure that your policy covers you for what’s being transported in your skips, too; hazardous waste may not be covered under a standard policy, and there are different considerations for domestic and commercial waste.
If you have an office, an office insurance policy will provide the cover you need for your premises and for equipment such as computers and signage.
Get a quote for skip hire insurance now
If you’d like a no-obligation quote for skip hire company insurance, give our business insurance experts a ring on 0800 078 7003 (or 0300 600 0603) to discuss your requirements or fill in our get a quote form.