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Do you have a skip hire company? If so, then you’ll need to consider purchasing specialized insurance to protect you and your business.

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Why Do I Need Skip Hire Insurance? 

As a skip hire company, you face a wide range of risks each day. Skip hire insurance can protect you and your business when the unexpected happens. Accidents happen and can leave your business liable for damage, injury, and more. 

Claims and legal fees resulting from accidents can be extremely expensive. Can your business afford to pay such fees out of pocket? If not, then you should consider purchasing skip hire insurance. 

While this type of insurance is not legally required, it’s the best way to ensure your business will keep running, even when the unexpected happens. 

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Skip Hire Insurance FAQs

What Type of Insurance Does My Skip Hire Business Need?

There are several types of insurance coverage to consider when it comes to skip hire insurance. 

1). Public Liability Insurance

Public liability insurance protects you against claims that arise from third parties being injured or whose property is damaged. In addition, it’s necessary to check with your local authority to see if they require a specific level of insurance if your skips are left in public places. 

This type of policy covers compensation claims and legal fees that may arise from an accident. 

2). Employer’s Liability Insurance

Employer’s liability insurance protects you and your company from claims that may arise from employees who are injured, become sick, or die on the job. 

If you have one or more employees, then you’re legally required to have employer’s liability insurance. 

3). Skip Loader Fleet & Equipment

What would happen if your fleet or equipment were stolen? Can you afford to pay for a new fleet or equipment? If not, then you may want to consider purchasing skip loader fleet & equipment insurance. 

This type of policy covers your fleet & equipment if they are: 

  • Lost
  • Damaged
  • Stolen

You’ll want to make sure the policy you choose covers what’s transported in your skips. Keep in mind that hazardous waste may not be covered under a standard policy. In addition, you may need to buy a policy depending on the type of waste you carry, such as domestic or commercial waste. 

4). Business Interruption Insurance

Business interruption insurance can help if your business is forced to temporarily close due to a catastrophic event. This type of policy will pay for fixed expenses, lost revenue, rent, or even relocation costs. 

Business interruption insurance protects your business against: 

  • Fires
  • Storms
  • Other catastrophes
Do I Need Employer’s Liability Insurance for One Employee?
Yes, this is the law. You are required to have employer’s liability insurance for one or more employees, with a minimum of £5 million.
What if I Have No Employees? Do I Still Need Employer’s Liability Insurance?
If you have no employees, then you may not be required to have employer’s liability insurance however if your subcontract, hire voluntary or casual labour you should consider employers liability insurance.
I’m Self-Employed, Do I Need Employer’s Liability Insurance?
If you’re self-employed and work on your own, then you do not require this type of insurance policy. The only time you may need this is if a client requires you have employer’s liability insurance to work on a project.
Do I Need Employer’s Liability Insurance for a Limited Company?
Yes, if you run a limited company and employ one or more, or if you have more than one director, then you’ll need employer’s liability insurance. If you only employ close family members, and your company is incorporated, then you’ll also need employer’s liability insurance in this scenario.
Do I Need Insurance for Temporary Workers?
In most cases, if you have short-term staff, contractors, or casual workers, then you will more than likely be required to have employer’s liability insurance.
Do I Need Employer’s Insurance for Subcontractors?
The answer depends. If you’re hiring “labour-only” subcontractors who work under your management and use your materials/tools, then they are legally seen as employees. They will need to be covered by employer’s liability insurance. However, those subcontractors who are “bona fide” work under their own direction and use their own materials/goods will not need to be covered by employee’s liability insurance.
Do I Need Employer’s Liability Insurance for Volunteers?
While it’s not legally required, it can be a good idea to invest in employer’s liability insurance. The reason is that you want to protect the business in case a volunteer makes a compensation claim against you. However, if you already have employer’s liability insurance, then volunteers may be covered under the policy. If you’re not sure, then it’s a good idea to check with your insurance provider.
Do I Need Employer’s Liability Insurance for Students on Work Experience?
Yes, employer’s liability insurance is required to cover work experience students and anyone on a work placement.
Why compare with My Business Comparison?

It can be challenging to find the right insurance provider and a policy that fits your company. Researching companies online, collecting contact information, and then calling each company takes time and effort. As a busy business owner, you don’t have time to waste. 

This is why we created our insurance comparison site. It’s easy to use, and you’ll receive results in a matter of moments. Just fill out the form, then hit submit and wait a few moments. You’ll quickly have a list of insurance providers and quotes to choose from. 

Take your time and read through each policy to understand what’s covered or not. It can also be helpful to write down any questions that may come up as you review the policies. When you have a list of potential insurance providers, just call them directly with your questions, or reach out to us. We’ll be happy to help you find the policy for your skip hire business!

If you would like more information on the policies offered on our site, then contact us today! We’re looking forward to working with you!

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If you have questions or would like to update, or renew your policy, all you have to do is contact us. We will also help if you need to make a claim.

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