Forklifts and teleporters require specific cover to ensure you are protected in the event of an accident or damage. Talk to your Sheridan Insurances broker to find out what cover is available and how it can be customised to suit your business.

In general, forklifts need one of three types of cover:

• Third Party Only which protects you if someone makes a claim resulting from damage or injury caused by your forklift
• Third Party, Fire and Theft provides fire and theft cover for your own forklift
• Comprehensive insurance includes Third Party, Fire and Theft, plus the added peace of mind that your forklift is covered if it is accidentally damaged.

The 1951 factory act introduced the requirement that all plant and pressure vessels be inspected at various intervals. For example, a passenger life in a hotel needs to be inspected every six months, whereas a compressor needs to be inspected every twelve months. Engineering insurance can look after your statutory obligations if required.

If you run a business hiring out, selling, importing or exporting forklifts, or training people how to operate them, we can also provide impartial advice and package together liability policies including employer’s liability, product and public liability to protect you and your business. Talk to your Sheridan Insurances broker for more information about a package that suits you.

Protect your digger or mini digger with customised cover through Sheridan Insurances. Your expert broker can explain the options for cover available and help you secure the right insurance for your machinery. Typically, diggers will require one of three types of cover:

• Third Party Only which is a legal requirement under the 1961 road traffic act, protects you if a 3rd party makes a claim Third Party, Fire and Theft provides fire and theft cover for your own digger
• Comprehensive insurance includes Third Party, Fire and Theft, plus the added peace-of-mind that your digger or mini digger is covered if it is accidently damaged.
• Working risk is an important cover to include if you are operating a digger at locations or sites where there is public or private utilities.

As diggers are a specialist type of machinery, it is important you speak with your Sheridan Insurances broker for a customised package that provides the protection you need. This may also include specialist liability policies such as employer’s liability, product and public liability that protects you against a variety of business risks.

At Sheridan Insurances, we understand how important your farm machinery is to your farm operations. We have in-depth expertise in the types of insurance that are required for farm machinery and can create a tailored package that suits your individual needs.

If you plan to drive your tractor or other farm machinery on a public road, you will need to take third party liability insurance to cover claims from a third party taken against you in the event of an accident or damage to their property.

Talk to your Sheridan Insurances broker about cover for trailers or if you are transporting livestock. We will be able to customise an insurance package to suit your specific needs.

Excavator Insurance protects your excavator against a range of risks with a number of options for cover. Your Sheridan Insurances broker can help you secure the right insurance for your machinery with a customised policy that suits your needs. Typically, excavators will require one of three types of cover:

• Third Party Only which is a legal requirement under the 1961 road traffic act, protects you if a 3rd party makes a claim
• Third Party, Fire and Theft provides fire and theft cover for your own excavator
• Comprehensive insurance includes Third Party, Fire and Theft, plus the added peace-of-mind that your excavator is covered if it is accidentally damaged.

Cover can also be arranged for your excavator if you are using it on public roads, or only on private land. We can also create a custom package that includes specialist liability policies including employer’s liability, product and public liability that protects you against a variety of business risks. Talk to your Sheridan Insurances broker to find a package that suits you.