Jeffrey Wade
Cherry picker insurance is a special type of insurance policy designed to cover cherry pickers, also known as Aerial Work Platforms (AWPs) or Mobile Elevating Work Platforms (MEWPs). While cherry pickers are considered safe to use, accidents can happen, and standard insurance policies may not provide adequate coverage for the risks involved in operating this equipment. Cherry picker insurance provides financial protection for businesses and individuals who hire, lease, or own cherry pickers, covering various risks such as damage, theft, and liability issues. This type of insurance is particularly relevant for those in the farming industry, where cherry pickers are used as heavy farming equipment to facilitate fruit picking.
| Characteristics | Values |
|---|---|
| Cherry picker insurance | A dedicated form of cover for businesses that hire, lease, or own cherry pickers and other forms of specialist lifting equipment |
| Who needs it? | Businesses using cherry pickers and other specialist equipment |
| What does it cover? | Fire, theft, malicious damage, ongoing hire charges, and liability issues |
| Types of cover | Third-party only, third-party fire and theft, and comprehensive |
| Farm insurance | A hybrid form of coverage that protects you both personally and commercially |
| What does it cover? | Home, possessions, personal liability, machinery, and livestock |
| Types of cover | Basic, bare-bones coverage with additional options, or broader coverage |
What You'll Learn
- Cherry picker insurance is a special type of policy that covers Mobile Elevating Work Platforms (MEWPs)
- Cherry picker insurance is not a legal requirement but is necessary for financial protection
- Cherry picker insurance can be third-party or comprehensive, covering theft, loss, and liability
- Cherry picker insurance does not cover equipment that is not well-maintained or technical malfunctions
- Cherry picker insurance can be bundled with a commercial auto insurance policy
Cherry picker insurance is a special type of policy that covers Mobile Elevating Work Platforms (MEWPs)
Cherry picker insurance is designed to meet the needs of businesses that hire, lease, or own cherry pickers and other forms of specialist lifting equipment. This includes other types of MEWPs, such as scissor lifts, tower wagons, and boom lifts. The insurance covers a range of risks that businesses may face when operating this equipment, including theft, loss, and liability issues.
There are typically three main types of cherry picker insurance coverage: third-party only, third-party fire and theft, and comprehensive. Third-party only covers damage, injury, or death to other people or their property, excluding the policyholder. Third-party fire and theft offer the same coverage, with the addition of protection against fire, theft, and attempted theft for the policyholder. Comprehensive coverage includes all of the above, as well as accidental damage.
The cost of cherry picker insurance will depend on factors such as the number of cherry pickers insured, the value of the equipment, and the nature and work environment of the business. It is worth noting that some countries require a license and insurance to operate MEWPs.
In summary, cherry picker insurance is a crucial form of protection for businesses that use this type of equipment, providing financial security in the event of accidents, theft, or damage.
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Cherry picker insurance is not a legal requirement but is necessary for financial protection
Cherry picker insurance is not a legal requirement. However, it is necessary for financial protection. While cherry pickers are considered safe to use, accidents can happen, and they can be costly. Cherry picker insurance can protect your business from financial losses due to accidents, injuries, repairs, and machine replacement.
Cherry picker insurance is a dedicated form of cover for businesses that hire, lease, or own cherry pickers and other specialist lifting equipment. It can protect against theft, loss, and liability issues. Comprehensive cherry picker insurance can also cover rental costs if your cherry picker breaks down.
The cost of cherry picker insurance will depend on factors such as the number of cherry pickers you have, their value, and the nature of your business. It is important to have the correct insurance in place to protect your business and equipment.
In addition to cherry picker insurance, businesses should also consider other types of insurance, such as employers' liability insurance, to ensure they are protected against various risks.
By investing in cherry picker insurance, businesses can have peace of mind knowing that they are financially protected in the event of an accident or equipment damage. This type of insurance is not legally required but is highly recommended to mitigate potential financial losses.
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Cherry picker insurance can be third-party or comprehensive, covering theft, loss, and liability
Cherry picker insurance is a dedicated form of cover for businesses that hire, lease, or own cherry pickers and other specialist lifting equipment. It is a type of heavy farming equipment that comes in various sizes and models, making working at heights easy and convenient. Cherry picker insurance can be taken out as third-party or comprehensive cover, which can protect against theft, loss, and liability issues.
Third-party insurance covers damage, injury, or death to other people or their property. This does not cover the person named on the policy. Third-party, fire, and theft insurance offer the same cover, with the addition of fire, theft, and attempted theft cover for the policyholder. Comprehensive insurance covers all of the above, including accidental damage. This level of cover can vary from insurer to insurer.
Cherry picker insurance can also cover equipment against fire, theft, malicious damage, and while being transported between jobs. If your cherry picker breaks down and you need to rent one, insurance can cover the rental costs. It can also cover mini diggers, whether they are owned or hired.
Public liability insurance is another important component of cherry picker insurance. It protects your business if a member of the public suffers an injury or has their property damaged because of your business. It can cover legal costs and compensation claims if your business is found to be at fault.
Cherry picker insurance is a financial lifeline for your business in the event of an accident or theft. It is a specialist type of insurance that covers the risks associated with operating cherry pickers, which standard insurance cannot.
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Cherry picker insurance does not cover equipment that is not well-maintained or technical malfunctions
Cherry picker insurance is a dedicated form of cover designed for businesses that hire, lease, or own cherry pickers and other forms of specialist lifting equipment. It is a special types policy designed to cover Mobile Elevating Work Platforms (MEWPs), sometimes known as Aerial Work Platforms (AWPs).
Cherry picker insurance is not a legal requirement, but it is essential to have the correct insurance in place to protect both your workforce and equipment in case of accidents, injuries, or machinery damage. It can also be a financial lifeline for your business in the event of theft.
While cherry pickers are considered safe to use, regular maintenance is crucial to keep them in good working condition. However, it is important to note that cherry picker insurance does not cover equipment that is not well-maintained or technical malfunctions. Here are some key reasons why regular maintenance of cherry pickers is essential:
- Efficient long-term performance: Regular maintenance checks ensure that all parts of the equipment are functioning smoothly, preventing unexpected breakdowns.
- Cost savings: Routine maintenance can help identify minor issues before they escalate, reducing the need for costly repairs or replacements.
- Safe operation: Proper maintenance ensures that the cherry picker is safe to operate, reducing the risk of accidents or injuries.
- Extended machinery life: Regular maintenance can extend the lifespan of the cherry picker, delaying the need for costly replacements.
- Compliance: Depending on the location, certain regulations and standards, such as the International Powered Access Federation (IPAF) or the Prefabricated Access Suppliers' and Manufacturers' Association (PASMA), may require specific maintenance and safety standards to be met.
In summary, while cherry picker insurance provides valuable protection for businesses, it is crucial to prioritize regular maintenance to keep the equipment in optimal condition and ensure safe operations. However, it is important to remember that insurance does not cover equipment that is not properly maintained or malfunctions due to technical issues.
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Cherry picker insurance can be bundled with a commercial auto insurance policy
Cherry picker insurance is a special type of policy designed to cover cherry pickers, which are considered heavy farming equipment. Cherry picker insurance can be bundled with a commercial auto insurance policy, which is specifically created for business owners using vehicles for commercial purposes. This type of insurance provides coverage for collisions and liability concerns.
Cherry picker insurance can be purchased as third-party, third-party fire and theft, or comprehensive cover. Third-party insurance covers damage, injury, or death to people or property other than the policyholder. Third-party fire and theft cover includes fire, theft, and attempted theft protection for the policyholder. Comprehensive cover includes all of the above, as well as accidental damage.
Cherry picker insurance can also be bundled with plant insurance, which is often taken out by construction firms and other companies that have a range of plant equipment. This type of insurance can protect against damage to property caused by vehicles, theft, and ongoing hire charges.
In addition, cherry picker insurance can be included in farm and ranch insurance, which is a hybrid form of coverage meant to protect individuals and businesses. This type of insurance covers farm machinery and equipment, including tractors, hay rakes, and wagons, and can be bundled with a commercial auto insurance policy.
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Frequently asked questions
A cherry picker is a hydraulic lifting device that may be mounted on trucks or other independently powered chassis and is provided with a basket at the end. This basket also has a control system for moving the platform to where it is needed.
Yes, you need special types insurance cover for a cherry picker. While this machinery is pretty safe to use, it is essential to have the correct insurance in place to protect both your workforce and equipment in case of accidents, injuries, theft, or machinery damage.
The three main types of cherry picker insurance coverage are: third-party only, third-party, fire, and theft, and comprehensive. The exact makeup of your policy will depend on your specific needs and budget.
The cost of cherry picker insurance will depend on the type of cover and extras you need, as well as the insurer you choose. It is recommended to consult with insurance experts to compare quotes and advise on the different types of coverage available.
No, cherry picker insurance itself is not legally required. However, if you have employees driving the cherry picker, then you will need to have Employers' Liability Insurance in place.
