Mobile Toilet Hirer’s Insurance

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Mobile Toilet Scheme

Loo's for every type of occasion!

Alongside arranging insurance for Temporary Structure Hirers, we are also specialists in arranging insurance for Mobile Toilet Hirers. Cover can be provided for all kinds of toilet units, whether simple ‘plastics’ or luxury toilet trailers. We can also accommodate portable shower units.

Our specialist scheme wording can cover your hire stock whilst at your store, in transit or whilst on contact sites anywhere in the UK. It can also be arranged for your own plant, tools and transportation trailers, as well as any equipment you may need to hire in to complete the job.

We can supplement these specialist covers with insurance for any buildings including any general office contents and computers.

If you are involved in waste disposal, our liability cover can include damage or pollution arising from a sudden, unexpected event or we can seek more specialist covers such as Environmental Impairment Liability .

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 Dates

Available Cover

  • PROPERTY / MATERIAL DAMAGE

    This section covers 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 Liability Cover

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

  • Employers Liability

    This section 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.

  • Environmental Liability

    This protects you against your liability in respect of damage or pollution to the environment. 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.

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 legal 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.

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.

If I operate toilet trailers and plastics, can these be covered under the same policy?

Yes, no problem. The Material Damage cover is simply based on the toilet value of your own and any hired in stock.

SPEAK TO OUR INSURANCE ADVISORS

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

01962 774421 info@covermarque.com

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