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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. Plant insurance can cover this cost, while plant hire insurance protects you against the loss of business machinery that you’ve hired. Use our simple form to build an insurance policy that’s tailored to you, including this cover option.
Popular types of machinery you may want to cover with this policy include:
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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.
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 0333 014 6683. We’ll check you’re eligible, and help get you up to date.
It’s very important to make sure you understand what you need from your insurance. Use the check points below to get you thinking.
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.