Marquee Hire Companies

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Marquee Schemes

CoverMarque has years of experience in arranging Insurance for Marquee Hire Companies all over the UK. This knowledge and experience of the industry enables us to work closely with our clients, understanding the nature of the business, identifying the risks associated with it and the insurance requirements.

We have two specialist Temporary Structure Scheme providers so we can obtain a policy that is competitively priced and provides comprehensive cover that meets those requirements. Cover is provided where it is required, this can be cover for your hire stock for when in store, in transit and on hire sites anywhere in the UK. The schemes can also provide cover for any plant and transportation or refrigerating trailers you own and cover can also be extended to protect any hired in equipment you use to complete a contract for example an extra generator.

We can supplement these specialist covers with other insurance lines such as computer cover, buildings and contents insurance creating you one policy with one renewal date making it easier to manage.

If your activities extend to include event organising and management we can include liabilities arising from this also.

Due to the complexity of analysing a company's insurance requirements and arranging suitable commercial insurance, the advice of an independent and professional insurance consultant is invaluable. The importance of the correct cover will only become apparent in the event of a claim – when it is too late to begin thinking about your needs.

Please call us on 01962 77 44 21 if you would like to discuss your insurance. Alternatively if your renewal date isn't within 60 days, please complete our form Renewal Date by clicking the button below and we will get in touch with you closer to the time.

Renewal Date

Available Covers

  • Material Damage / Stock

    This protects your own and hired-in Property (e.g Stock, Tools, Plant, Contents etc). Cover includes: Fire, Lightning, Theft, Explosion, Malicious Damage, Earthquake, Storm, Flood, Escape of Water, Impact by vehicle or animal and Accidental Damage. Select cover in Storage, Transit and/or on Contract Sites.

  • Public and Products Liability

    This protects you against your liability in respect of damage to other peoples' property or injury to other people.

  • Employers Liability

    This protects you against your liability to your employees.

  • Business Interruption

    This protects you against financial loss following an interruption to the business as a result of an insured loss or damage to your property.

  • Other scheme policy sections

    Our main scheme policy can also be extended to cover Money, Laptops and Phones, Commercial Legal Expenses, and Equipment Breakdown.

  • Public Liability Excess Layers

    Most Insurers only give a maximum limit of £5m. Another limit can be purchased to go on top of the current limit, this is called an Excess Layer.

  • Airside Liability

    Most Liability policies do not provide cover whilst working at airports. This is not included as standard but can be added on.

Faqs

Do I need Employers Liability Insurance?

Employers have a legal obligation to carry Employers Liability Insurance which indemnifies the employer in respect of injury to its employees for which it is legally responsible. It is generally accepted by members of the Association of British Insurers that the minimum indemnity limit should be £10m. An employee is deemed to be any individual who undertakes any work for the insured whether paid or not.

There is a common misconception that Employers Liability is not required in regards to self employed staff. For Marquee Companies this is rarely the case as such staff are normally working under the direction of the Employer, and are not Bona Fide Subcontractors.  A Bona Fide Subcontractor carries their own insurance and provides their own method, tools and materials.

The legal penalties of failing to effect adequate Employers Liability insurance are severe, but perhaps even more significant are the implications of the potential cost of a successful claim against an uninsured company. In an increasingly litigious society, personal injury claims are becoming frequent and of greater magnitude.

What is Business Interruption Cover?

Following a loss of equipment or premises, a business may not be able to trade as normal until a replacement has been made.

At the beginning of the marquee season, the production lead time of suppliers can be lengthy, causing a major disruption. Business Interruption insurance enables a company to claim for resultant loss of ‘Gross Profit’ or ‘revenue’ relating to contracts which it cannot complete. The insurer can often minimise the claim by enabling the insured to complete contracts by funding the temporary hire or replacement equipment, i.e. the increased cost of working. This is also beneficial to the marquee company as their clients will not be let down, enabling future repeat business and recommendations.

What is the Business Interruption Indemnity period and how do I know what Indemnity Period I need?

Indemnity period is defined as the period during which the business is affected by the loss and that indemnity period can only be decided by the business itself. As a business you should consider how long it will take to get the business back to its position prior to the interruption taking into account the type of business, lead times to replace stock and even keeping your valuable employees and customers. For example, a shop has a fire and is unable to trade. If it takes 24 months to rebuild that shop, 12 months indemnity would not be enough.

Do I need Public Liability Insurance?

Although not a legal requirement, Public Liability Insurance is essential no matter how small or large your business and is particularly important for businesses that work with or come into close contact with members of the public. Public Liability protects your business against liability claims arising from injury to third party person or damage to third party property where you are proven negligent. Incidents can occur anywhere and at anytime, from an employee carrying a marquee pole and accidentally knocking over a garden ornament to a client visiting the office and tripping over a loose bit of carpet and breaking their wrist.

Basis of Settlement - which is the best option for me: Indemnity or Reinstatement?

Equipment can be insured on an Indemnity Basis (second hand value) or on a Reinstatement Basis (new for old). In the marquee industry, due to a relatively low availability of second hand equipment and a need to buy compatible replacement equipment, it is normally advisable to choose the Reinstatement Basis.

Regardless of which option is chosen, the ‘Sum insured’ should accurately reflect the amount of all of your own and hired in equipment.

If I use stages with my marquee - are handrails required?

The HSE refer to “Temporary Demountable Structures, third edition” as the reference guide on this.  On page 79 “Handrails should be provided to all edges of a stage, except the edge facing the audience, whenever possible.” & “There should be a handrail on all except the performance edge(s) of all stages, regardless of height and at every staircase.”

Is hired in stock covered by my insurance policy?

As standard our Policy Wordings automatically include in the Stock section cover for hired in stock for which you are contractually responsible.  Therefore your Stock Sums Insured should include an allowance for hired in stock.

Do I need to be a member of MUTA?

No. However, we recognise MUTA as the leading Trade Association for the Temporary Structure Industry, and their Best Practice Guide as an Industry benchmark.

Do I need to check the weather before erecting a Marquee?

Absolutely. It is irresponsible to erect a Marquee without first checking to see if the Marquee can withstand the winds predicted. We suggest you use our weather check.

SPEAK TO OUR INSURANCE ADVISORS

Always on hand to provide you with information, advice and guidance.

01962 774421 info@covermarque.com

WindSpeed Checker

ERECTING A MARQUE? Use our handy tool to check the wind-speed in your area.

Wind Speed results for the next 7 days in