When dealing with scrap metal / waste you need to make sure your insurance liabilities are correct. At Construction Insure, we understand the industry and know which questions to ask to make sure you have the right cover.
- Waste Insurance
- Demolition Insurance
- Groundworkers Insurance
Are you working from premises, are you using heat welding equipment away from premises, are you carrying scrap metal in your vehicles, do you have scrap metal pickers. When quoting for your business insurance these are the kinds of questions we ask to make sure your scrap metal insurance is covered adequately.
Almost every aspect of your trade can be classified as high risk by insurance companies. From the collection of metal for recycling to sorting the scrap for reusing or disposal. So, you need to be comprehensively insured. Otherwise, one accident, injury, or even fatality, to your staff or the public, could see liability lawsuits and legal fees bankrupt your entire business. You may be collecting the scrap metal from sites that are hazardous in themselves. And the process of sorting the materials into ferrous, non-ferrous and removing the non-metal components, may bring you into contact with heavy, sharp and dangerous objects. You could be dealing with heavy car parts, gas canisters or even radioactive waste. At Construction Insure, we understand what you do. We’ve been brokering insurance for high-risk trades like yours for forty years. And we can help you get the cover you need.
How does Scrap Metal Liability Insurance help you?
The idea of Liability insurance is that it protects you, your staff and your business from the repercussions of accidents, injuries and legal issues. The best place to start, when considering the kind of cover you need, is reviewing the specifics of your business. You’ll have different insurance requirements depending on what you do, day-to-day. For instance, if you’re cutting metal on site, that can involve major hazards from shearing pressurised containers to machinery safety issues. You may specialise in recycling large household items, like fridges, televisions and washing machines. Or computer equipment and small household items, like electrical tools and kettles. All of those items bring your staff into contact with potentially injurious metal, glass and ceramics.
If you have a holding area that’s accessible to the public, you would require Public Liability cover. And, if customers are sorting through reclaimed metals, you have to make sure that the entire area is as safe as possible. Another of your requirements may be insuring your vehicles. We’ll not only do that for you, but we’ll prepare a fleet vehicle management strategy, which can reduce your policy costs. If you’re involved in transporting scrap metals, perhaps from a motor mechanic’s garage or a residential area, you need to think about being insured against accidental environmental pollution and damage to road surfaces in the event of a leakage or an accident.