Full Public Liability Insurance

Full Public Liability Insurance
Fork truck @ work advice in the UK ?

Don’t know if anyone on yahoo will be able to answer this, but anyway, found out yesterday that our Fork truck at work is not covered by our company liability insurance (our insurance company have decided to tell us this now after being with them for 5 years and them knowing full well we had a fork truck), anyway they have told us it should be listed and covered on our Fleet vehicle policy (insured by others), we contacted them and they said there is no problem with doing this but they asked me does the vehicle also need to be taxed ????!?!??!
Now I would assume an insurance company should know this, but obviously they don’t, the Fork truck operates in our factory and also goes into our car park to unload lorries (which basically anyone from the public could cross by rights), but with fork trucks having no license plate etc. why and how could it be taxed ?
Anyone know what the right way of doing things is, you advice would be much appreciated ?

well as long as the car park is company property , it’s PRIVATE property.. much is the drive on your house etc. although where I used to work, to unload the lorry they had to go onto the main road for a very brief time.

also people driving the trucks have to have a license, I had to take one for a leccy pallet truck, again for insurance.

sounds like your insurance company is trying to weasel out of providing cover, perhaps find a decent company who will.

since most fork lifts are on private property, they don’t have to be taxed.. or insured. but the drivers by law have to have a license or it voids any insurance if they don’t.

I’m sure if you speak to another company who knows what they are talking about they will tell you. Who ever your dealing with obviously doesn’t deal with many companies.

the uk is litegation mad, turning into a bunch of ambulance chasers like the states did.. common sense has left this country. it annoys me .

Public Liability Insurance

Public Liability Insurance-Simplifying your Business

It is fundamentally imperative for all folks running a business to have a proper insurance coverage where clients visit the commercial property regularly. Luckily, you do have a way to guard yourself against this possibility. Hence purchasing public liability insurance permits you to breathe a little easier. Even if a client claim is pricey, the insurance company will be there to offer a safety net. As a result insurance companies are there to help you to cover the policy that suits your business to pay damages to the customer for an injury, loss, or damage of their property caused by your company or on your business property. So you can be hassle free and can concentrate on your business, rather than distressing about what might happen.

Public liability insurance is the economical and ideal way to get cover if your business was liable for any damages. People who decide on not to take insurance may find themselves paying out for big payments and in turn losing their business and in some cases even their private assets. Public liability insurance is essential because all business is at risk to some degree. Even if nothing bad has ever happened on your business premises, that’s no assurance that it won’t someday.

In the recent years the potential for accidents is quite high, and the effect of such damages could become very expensive to you and your business. Public liability insurance guarantees that should something unexpected occur, you will have the means to meet all of your liability responsibilities and avoid potential financial ruin to your business. However most liability policies will not only cover damages incurred to your customer, but it will also pay any legal fees ensuing from a law suit.

The public liability insurance also covers third party property damage or third party injury that they may be liable for throughout the course of their work; however there are also some additions that you can get which boosts the cover that you receive. Public Liability Insurance is an insurance that all business should have if they have some contact with the public. It’s not an obligatory insurance – but it certainly should be.