10 April 2018, author: Natascha Fabian, photo: iStock
As an entrepreneur, you need to put quite a bit of thought into how you insure your forklift. Its area of application is decisive. That is because the location where the forklift is used is important for insurance coverage.
In the event of an accident on private company premises that are not accessible to the public, business liability insurance covers the damage. If you assume that the forklift is used only on company premises that are not accessible to the public, it does not need a number plate or registration document. However, it is important that the forklift be operated only in private areas.
Forklifts must not be driven on public streets – not even in exceptional situations. If damage is incurred in that situation, business liability insurance does not cover it. Especially if a person is injured, there can be enormous consequences for a company.
Forklifts that are also operated in public areas absolutely must have number plates. If an accident takes place in a public area, the motor vehicle insurance covers the damages.
Are your private areas separated by a public street? Remember the forklift’s ‘grey card’. The forklift does not need a number plate to cross a public street, but it does need a special permit from the responsible motor vehicle authorities. The authorities issue this permit once they have proof that the forklift has insurance coverage (grey card). In this case, business liability insurance guarantees insurance coverage, even if an accident happens when the forklift crosses the street.
Whether or not private premises are concerned, Helvetia recommends using the guidelines from SUVA as a point of orientation for your training and instructions for forklift drivers. Guidelines only available in German, French and Italian.
SMEs face many risks, which are often not obvious at first glance. Furthermore, it is not always easy to determine when which kind of insurance is needed. That is why Helvetia values a systematic risk analysis for its business customer insurance. It explains existing risks to entrepreneurs and clarifies which risks should be covered by insurance.