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Cherry Picker Insurance
The proliferation of cherry pickers in an increasing number of jobs has led to quite a few accidents. Is it that cherry pickers are inherently dangerous? To the contrary - cherry pickers are actually one of the safest methods of working at heights. So what is it then? Well, the simple fact is that accidents happen. It can be due to neglect or inexperience on the part of the operator. It can be due to unsafe practices at the workplace. Or it can be due to mechanical failure of the machinery. Cherry pickers are machines after all and parts are subjected to wear and tear. That’s why cherry picker insurance is so important.
Cherry picker insurance is critical when it comes to saving money in case of an accident. The cost of repairs, and any liability payments, can be exorbitant. Having to pay that for himself can be overwhelming for a contractor. One may not even know how to go about getting things in order. It is important to note though that cherry picker insurance doesn’t come cheap. This is especially so for those who own a fleet of cherry pickers, either for their own use or for rental purposes.
Most owners choose to invest in cherry picker insurance because of the security and peace of mind that it gives. It’s not just about the money, although it is great knowing that one doesn’t have to fork out a lump sum. The cherry picker insurance company is responsible for damage repair and, quite frankly, the headache belongs to them. Insurance companies have their image and reputation to protect. That’s how they get clients and make their money. They’re not going to want to become known as a company that doesn’t pay out on claims. Who’s going to want to do business with them then?
That’s not saying that they’re going to just roll over where money is concerned. Every cherry picker insurance company will have their own investigators who will visit the scene of the accident to determine the cause. Only when the investigation is over will they pay anything. That’s why one needs to read the fine print of any cherry picker insurance contract. Most firms will refuse to pay if the accident occurred as a result of negligence or unsafe practices. Why should they? The accident wasn’t their fault and it could have been avoided.
When choosing a cherry picker insurance company, it is important that one does a great deal of shopping around. While insurance companies will try to protect their reputation, some of them don’t have very good reputations to start with. They saddle customers with hidden terms and conditions and their overall service is unsatisfactory. The poor cherry picker can then be burdened by extra costs because they must now hire a lawyer to deal with the cherry picker insurance company. Don’t be afraid to ask questions and pay attention to reviews. If one already has a lawyer, it is within one’s rights to have them look over any contracts before signing.
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