Tipper and mixer insurance
Specialist covers for tipper and mixer operators, including quarry franchisees, placed with ERS.
Tippers and mixers work in tough places: quarries, building sites and busy roads, with heavy loads on board. A spilt load, a concrete load that sets in the drum or a claim from a member of the public can cost far more than the damage to the vehicle.
Carriers of quarry products need more than a standard motor policy. Ratcliffes for Brokers gives you access to specialist covers for tipper and mixer operators and quarry franchisees, placed with ERS.
You can place motor, goods in transit and liability together through us, so the whole account sits in one place.
Operators it suits
From a single tipper to a quarry franchise, this cover is for:
- Tipper operators carrying quarry products
- Concrete mixer operators
- Quarry franchisees running tippers or mixers
- Operators carrying tarmacadam coated products
- Operators whose contracts take them airside at airports or airfields
Cover for the risks tippers and mixers face
Quarry and concrete work brings risks that a standard motor policy is not set up for. Through us you can place:
- Commercial vehicle insurance
- Goods in transit, with tarmac hardening cover included when mechanical breakdown causes the loss of a load of coated products, a real risk when hot material is stuck at the roadside
- Optional loss of drum and solidification cover for concrete mixers, with a £20,000 limit for loss of drum claims, for the day concrete sets before the driver can discharge it
- Public liability, with the limit raised to £10,000,000 where required
- Third party property damage, with the limit raised to £10,000,000 where required
- Employers’ liability for casual employees when we arrange public liability, extendable for part-time and full-time staff
- Airside liability cover, for operators whose contracts take them onto airports or airfields
- Breakdown cover for vehicles up to 7.5 tonnes, when we place the motor policy
Markets
We place tipper and mixer risks with ERS, a specialist commercial vehicle market you can reach through Ratcliffes for Brokers without an account of your own. Not sure a risk fits? Talk it through with us first.
What we need from you to quote
The more we know at the start, the sooner we can come back with terms. Tell us:
- Whether your client runs tippers, mixers or both, and how many
- Whether they carry tarmacadam coated products
- Whether your client wants mixer drum cover
- Whether they work airside
- The public liability and third party property damage limits their contracts require
- How many casual, part-time and full-time employees they have
Got a risk to place? Email brokers@ratcliffes.co.uk or call 01242 544 514 and talk it through with the team.