Scrap Yard Insurance
Specialist insurance for Scrap Yards, Car Breakers and Scrap Metal Merchants
We provide tailor made scrap yard insurance cover for businesses engaged in the scrap metal and recycling industries – especially car breakers and scrap yards in Staffordshire and throughout the United Kingdom.
We have specialist knowledge of these sectors, built up over 30 years by working with scrap metal merchants and businesses engaged in metal recycling.
The cover we provide is always tailor-made to the individual requirements of scrap yard insurance for your business, and could include insurance for:
Employers Liability – this is compulsory insurance if your company has more than one director and/or has PAYE employees and/or casual or voluntary labour. If you are an employer with a scrap yard business (or any other business), you are legally obliged to have Employers’ Liability insurance. You can be fined up to £2,500 for every day you do not have the appropriate insurance. Employers’ liability insurance covers the cost of compensation and any associated legal fees.
Public Liability – this covers the cost of claims made by members of the public for incidents that occur in connection with your business activities. Public liability insurance covers the cost of compensation for; personal injuries; death and loss of or damage to other people’s property. Talk to us and we will provide advice on this and other aspects of our scrap yard insurance services.
Engineering Inspection – Compliance with the law can get complicated. Ensure you are fully compliant with relevant health and safety legislations. This will minimise claims losses and protect against reputational damage. In addition, breakdown insurance and loss/damage to specified items of plant and equipment can be included subject to a full maintenance agreement being in place.
Personal Accident – Cover for named individuals against accidents which result in accidental injury, death or permanent disability on your scrapyard or car breaker premises.
Directors Liability – As a director, the law says you have unlimited liability to your company, shareholders, employees, creditors, the public and to certain government agencies, the Health & Safety Executive being just one example. Directors Liability is paid for by your company and it protects all of the directors personally, yet it is not classed as a benefit in kind.
Discounts are available on scrap yard insurance policies for well run and established businesses especially those who have the following in place:
- Full Health & Safety Policy with an ongoing contract with an IOSH registered consultant.
- Proof of 5 years claims free insurance.
Why Choose Us?
What makes us different from most brokers offering scrap yard insurance? In most cases we don’t take a commission from the insurance companies for placing the business with them. Instead, we prefer to work on a fee basis so that our earnings are transparent which we feel is more ethical.
Whether you are the Director or Proprietor of a scrap yard, car breaker or scrap metal merchant you can be assured of our expert advice and knowledge of your business sector.
Would you like a quote or more information?
We’re happy to give you a call back, fill in the form below and we will be in touch a.s.a.p