I’m after some help regarding a public liability insurance policy. I think I understand it but I’d just like a second opinion to make sure (see attached file).
The vehicle is an electric fork lift truck. From my understanding it is insured as a tool of the trade. As per ‘Additional exclusion to section B’, 5, iv. As long as the damage/accident is beyond the limits of any carriageway or thoroughfare and the damage/accident is caused by loading or unloading a vehicle or trailer.
So for example. If the driver of the forklift dropped a load in the loading bay you would be covered. But if the driver of the forklift dropped a load while unloading it in an area which staff and/or the public walk through you would not. Or if the driver of the forklift drove into a member of the public’s car in the retail car park that also wouldn’t be covered.
The vehicle is an electric fork lift truck. From my understanding it is insured as a tool of the trade. As per ‘Additional exclusion to section B’, 5, iv. As long as the damage/accident is beyond the limits of any carriageway or thoroughfare and the damage/accident is caused by loading or unloading a vehicle or trailer.
So for example. If the driver of the forklift dropped a load in the loading bay you would be covered. But if the driver of the forklift dropped a load while unloading it in an area which staff and/or the public walk through you would not. Or if the driver of the forklift drove into a member of the public’s car in the retail car park that also wouldn’t be covered.
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