Bystanders may marvel at the way you and your crew seem to manage even the most bulky and heavy of household items when you are making removals. You are certainly aware of the stress and strain which the activity may bring.
You are also likely to be aware just how easily accidents may happen – leading to property damage or personal injury – whenever removals are in progress.
The extent and nature of any injury or property damage is difficult to predict, of course, whether you are operating your removals business as one man and a van, or whether you have an entire crew of employees and a whole fleet of removal vehicles.
With the jobs unpredictability make sure you choose the right removals insurance which reflects the particular needs of your own business, yet which also comes with competitively priced premiums, you might want to draw on our services here at constructaquote.com.
Why choose us?
- We've been established in the insurance industry since 1990.
- Our contact call centres are all UK based.
- Our employers’ liability policies provide £10 million of cover as standard.
What are the keys to the removals insurance I need?
Whatever the size of your removals operation, there are a number of elements likely to go into making the business cover you need.
Cover for the vehicles you use
Removals require vehicles – and vehicles require insurance. That is the law. Although the law requires only a minimum of third party insurance, however, any that you are using in your removals business are likely to require a rather higher level of protection – at least third party, fire and theft, or, more probably, some form of comprehensive insurance.
Motor insurance for business use is an important and potentially quite involved consideration – needing your decisions not only on the level of cover to arrange, but also the inclusion of any number of additional risks, such as windscreen cover, tools cover or the provision of a replacement vehicle in the event of an accident or breakdown.
Here at constructaquote.com we have the expertise and experience to help you find on this whole range of considerations.
Protecting the goods in your charge
Whoever your customers are likely to be, you are charged with looking after their worldly goods as you move them from one place to another.
Whilst their possessions are in your care and on the road, there is always the risk of loss or damage, or even financial losses arising for the late delivery of those items.
To protect you against claims for loss, damage or late delivery of your removals cargo, you might want to give serious consideration to the need for goods in transit insurance.
Public liability insurance covers additional risks
It is not only when the items you are removing are in transit, of course.
When you are loading and unloading, there is the risk of damage to those same goods. Perhaps even more of a concern, however, is the risk of injury to one of your customers or to a member of the public during the removal operations.
Since you are the removal agent, you may be held liable for any such damage or injury and therefore ordered to pay substantial damages. Since the compensation you are ordered to pay may reach very substantial proportions, public liability insurance typically provides cover for up to £1 million in claims.
Employers’ liability insurance is a must
If you employ anyone else in your removals business – as part of the crew or even in some administrative capacity – the law is clear; you must have employers’ liability insurance. In fact, you face a fine of up to £2,500 for every day that you do not have the cover from the moment you have taken on an employee.
The law is designed to ensure that you have the necessary finances to compensate any employee who suffers an injury or contracts some illness or other medical condition as a result of their working for you. As the employer, you may be held liable for that injury or illness. And your liability extends long after the employee may have stopped working for you. Some back injuries, for instance, may have been sustained whilst the employee was working for your removals business, but the effects of those injuries might not emerge until much later.
Since you may still be held liable, any compensation may be substantial and the law is in place to ensure that you are able to cover any compensation to which the employee is entitled.
Why not see how we at constructaquote.com can help protect you and your business, with our affordable range of removal insurance policies? Get a quote now or please feel free to get in touch for a no-obligation chat.