Plant and machinery insurance

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  • UK General

Owned or hired, protect your machinery

If you’re a building contractor or tradesman, you probably spend a lot of time working on the client’s site, either with your own machinery, or a plant that you’ve hired. If these are damaged or stolen, you’ll need to replace or repair them, and if you’ve hired a plant you’ll be liable for this cost. Use our simple form to build an insurance policy that’s tailored to you, including this cover option.

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Hired plant insurance

Like with most things, if you hire in a plant or machinery, you’re responsible for keeping it safe and in the agreed condition, whether it’s in transit or on site. Hired plant insurance covers your legal liability, under the terms of your hiring agreement, to pay compensation for any damage to the plant. This includes legal defence costs and continuing hire charges for up to £15,000 for any single item.

Do you own your plant?

If you own the plant or machinery, keeping it insured is still important. You can include own plant cover with your full insurance policy, to protect you against loss, damage or theft. 

Add it to your policy

If you already have a policy with us and want to add cover for your own or hired plant, give our team a call on 0845 071 0270. We’ll check you’re eligible, and help get you up to date.

Watch the details

It’s very important to make sure you understand what you need from your insurance. Use the check points below to get you thinking. 

  • Check the documents before you buy for exclusions and excesses. For example, your equipment may only be insured if there’s a certain level of security on site
  • Don’t underestimate the value of your equipment, as this could mean you’re not covered at the right level
  • If you decide this cover’s right for you, you’ll need to add it on to your full business insurance policy

Sorted your employers’ liability?

Remember, if you employ staff, you’re legally required to have employers’ liability insurance. It will cover the cost of a claim from an employee who has been injured at work, or who has become seriously ill as a result of working for you.

Need cover for your day to day tools?

With Simply Business, you can insure up to £10,000 worth of tools and equipment. Read more about cover for these essentials here.

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