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Plant and Machinery Insurance

Plant and Machinery Insurance

Get Plant and Machinery Insurance Quote Today!

Whether your business owns a huge volume of plant machinery or you work on a hire basis, plant and machinery insurance is essential to have.

Whatever trade you work in or whether you’re a building contractor working from site to site, you need plant to be able to carry out your work effectively. Whether your own or hired, your plant and machinery is high risk and there is the very real chance it may be damaged or stolen. When this happens, there is of course the financial loss involved in replacing anything stolen and repairing anything damaged, and this can get expensive.

Plant and machinery insurance will cover these costs in many instances and when you compare quotes online with Just Quote Me you can find the right level of cover for your equipment and your business.

Covering your Plant and Machinery

Plant and machinery insurance will cover a wide range of different machinery including diggers, dozers, concrete mixers and cherry pickers. You will find policies specific to some machinery such as telehandlers and excavators but most businesses opt for a cover all style policy and check their particular machinery is covered by the policy.

Hired Plant and Machinery Insurance

If your business hires all its plant then you can be sure the hire contract includes a clause stating you are responsible for the maintenance and safety of the machinery. You are responsible for keeping the machinery in good condition and ensuring it is secure. Hired plant and machinery insurance coves your legal liability to the hiring company. It will pay compensation for any damage to the plant and will also cover legal costs, if and when this is necessary.

Owned Plant and Machinery Insurance

When you invest in your own plant and machinery then it’s entirely up to you how you use it or treat it, you can do what you want. However, the investment in this kind of equipment is significant so it stands to reason you want it kept in the best possible condition and protected should the worst happen. Getting plant and machinery insurance for your own equipment makes good sense to anyone looking to protect their business. If your plant or machinery was stolen or damaged would you have the capital to fix or replace it? With insurance you don’t need to worry about this question.

Adding plant and machinery insurance to your policy makes good sense for many businesses. You can discuss your requirements and compare quotes online at Just Quote Me today.

Get A Plant and Machinery Insurance Quote Today:

Go to our online Quote System or call us on 0800 084 2325

Top Tips For Buying Manufacturing Insurance

Top Tips For Buying Manufacturing Insurance

A place of manufacturing is always a busy and exciting place to be. However, with the activities, machinery and expertise required, it can be a place with a high level of risk. Risks of accidents, machinery breakdown and even issues with Intellectual Property can be high in a manufacturing environment which is why manufacturing insurance is essential.

Did you know that 20% of all workplace claims take place in the manufacturing industry? Protecting your business with manufacturing insurance is of high importance. Here are the top tips to help you before you buy.

Check your must-have cover for manufacturing insurance

There are a few key elements that your manufacturing insurance really must include. These consist of;

Employer’s liability – A legal requirement for protecting your staff.

Public liability – To protect contractors, visitors and anyone else who may suffer harm as a result of your business

Product liability – If anything your company produces is faulty; this insurance can help protect your business if the product causes harm or injury.

Tools and equipment – With expensive and vital machinery in use, high-value tools and equipment may need protection in case they are stolen or damaged. This helps to ensure business continuity.

Vehicle insurance – Whether you have one vehicle or a fleet, it is the law to ensure that all vehicles have adequate insurance.

Consider the extras

There are some coverage options that may not be applicable to all manufacturing businesses but are often advisable if relevant. These include;

Transportation insurance – This will help to protect your products until they reach the door of the buyer. This is essential for ensuring you don’t lose out financially while goods are in transit.

Business interruption insurance – Make sure you can cover fixed overhead costs if, for any reason, your business cannot operate as normal.

Do you have questions about Manufacturing Insurance?

Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.

Insurance for Manufacturing Plant

Insurance for Manufacturing Plant

If a business uses raw materials, parts or components to produce goods, it falls under the heading of manufacturing. This applies whether that business provides those goods in an artisan workshop operated by a sole trader or a factory employing hundreds of workers. And it applies whether those goods are clothes, computers or cars.

As a result, finding manufacturing insurance can be complicated. This is why it’s so important for businesses to get it right. If a business doesn’t get it right, they could find themselves having to cover the cost of lost or stolen goods, repairing or replacing machinery, or compensation claims.

Insurance for manufacturing plant policies

Businesses can buy a single, comprehensive, insurance policy or separate policies. When businesses combine policies they offer full cover for any eventuality. Regardless, insurance cover should include:

  • Employers Liability for staff injured while at work.
  • Public Liability for customers, visitors or members of the general public injured on the premise.
  • Manufacturing or Product Liability if anyone suffers an injury due to their products.
  • Building and Contents for the physical, bricks and mortar, building and equipment stored inside.
  • Stock and Raw Materials, which aren’t covered by contents insurance.
  • Plant and Machinery, which covers repair or replacement of machinery, which can be expensive.
  • Business Continuity, which includes the costs of setting up an alternate location or of losses from customers taking their business elsewhere.

Buying insurance for manufacturing plant

Because there are so many different types of manufacturing businesses, it is necessary you choose the policies that work best for you. And the best way to do this is to work with an independent insurance broker such as Just Quote Me. Just Quote Me can find you the best policies at the best price. By taking the time to discuss your specific requirements and getting to know your business, Just Quote Me work hard to find the perfect policy for you. Contact them today on 0800 084 2325 for a free, no-obligation, manufacturing plant insurance quote.

What Is New Build Insurance?

What Is New Build Insurance?

Building your own home from scratch can be incredibly exciting. In fact, custom build homes are increasingly growing in popularity. To help give protection to home builders whether they work independently or as a property developer, providers offer new build insurance.

New build insurance can provide peace of mind for all new build projects. The policy can begin from the point where an existing property is demolished, or land is cleared to the end of the work. Insurance can be there to provide coverage for accidents, theft or damage.

Why do I need New Build Insurance?

During a new build project, there is a variety of risks. At the beginning of the project, you have liability exposure. When work is underway, there are risks relating to the quality of the job as well as the tools and materials you use.

Insurance will cover the expensive tools, plant machinery and equipment that you need to complete the project. Should anyone steal the tools, new build insurance can cover the cost of replacement, allowing you to continue the project quickly, minimising disruption.

Another aspect of a new build policy is to provide coverage in the event of an accident. New build insurance will include public liability insurance as well as employer’s liability insurance. This means that as the policyholder if any friends, family or third-party contractor suffer damage or injury as the result of the new build project can receive compensation in the event of a claim against you.

New build insurance can be incredibly flexible, so you can tailor the policy to suit your exact specifications. Simply call Just Quote Me for more details.

Do you have questions about New Build Insurance?

Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.

Protecting your Machinery with Hired In Plant Insurance

Protecting your Machinery with Hired In Plant Insurance

Hiring or leasing machinery for your business is common practice, but you still need to protect it. Hired in plant insurance is a popular option as it gives you peace of mind that all equipment is protected against common damages, loss and theft.

Your plant, machinery and tools are integral to your business functioning. This makes hired in plant insurance absolutely essential. Unforeseen accidents may be uncommon but if they do occur, there will be significant financial impact. What’s more, if you’re hiring your equipment the hiring fees won’t cease simply because it’s out of action, lost or damaged. Similarly, the hire company will expect their equipment back in the condition it was hired to you, so any loss or damage will need to be covered by you, if you’re not insured.

Hired In Plant Insurance Cover

What should hired in plant insurance cover for you? It depends on the business and the equipment you need to be covered but it may incorporate:

  • Contract works cover
  • All risks cover
  • Off-site storage cover
  • Cover for specific vehicles
  • Cover for specialist vehicle and plant
  • In-transit cover

Hired in plant insurance can be tailored to your needs and the plant relevant to your business. It can cover JCBs and diggers, as well as more specialised vehicles and equipment where necessary.

Considering Hirer’s Waivers

Some hiring companies will offer what is known as a hirer’s waiver. This can be in place instead of organising your own insurance. However, there are risks with this and it is important to look closely at the terms of the waiver. Often waivers only cover a limited range of risks and you may also find your own hired in plant insurance is more affordable.

At Just Quote Me we work with businesses of all sizes reliant on plant machinery. Our expert insurance specialists can discuss your needs and find quotes for hired in plant insurance to suit your business. Contact us today to find out more.

Specialist Heavy Plant Insurance for your Business

Specialist Heavy Plant Insurance for your Business

Heavy plant machinery may be essential to your business. Some of the most vital equipment for your business comes with specific risks and these risks need covering with specialist heavy plant insurance. Specialist heavy plant insurance will cover high-risk vehicles in your fleet. Usually it will cover vehicles such as forklifts, cherry pickers, bulldozers and diggers, but it can also cover more specialist vehicles too.

High Risk of Plant Machinery

Plant machinery is essential in many industries from construction to farming to warehouse management, but it comes with considerable risks when compared to other kinds of equipment. Common hazards which plant machinery is exposed to include:

  • Security and safety issues (risk of theft)
  • Wear and tear (damage through the natural elements)
  • Boom collapse in cranes (mechanical or lifting failure)
  • Overturning on rugged/unknown terrain

Heavy Plant Insurance Tailored to your Machinery

Some businesses require very specialist machinery. Machinery such as tar sprayers, cranes, rotary tillers and snow ploughs require the right insurance for the financial protection of your business. Whether you have a single piece of machinery or a whole fleet, heavy plant insurance helps to protect your business from any risks.

Heavy plant insurance isn’t just available for vehicles and machinery you own. For leased equipment you may also need to arrange your own insurance and that can be arranged for you too. Requirements are quite specific which is why we recommend getting in touch directly, so we can discuss your needs.

Finding Heavy Plant Insurance

You may need a range of different types of insurance for your machinery and it may all be included in a single policy. It could incorporate elements such as protection from theft and damage, but some may also come with public liability insurance included. This ensures protection should the plant be involved in damage to a third party or their property and can be invaluable should an accident occur.

Just Quote Me work with many professionals who both own and hire heavy plant machinery. We can help arrange and discuss your heavy plant insurance quotes, so just get in touch as soon as you’re ready.

Plant and Machinery Insurance – Compare Quotes Online

Plant and Machinery Insurance – Compare Quotes Online

Plant and Machinery Insurance

Whether your business owns a huge volume of plant machinery or you work on a hire basis, plant and machinery insurance is essential. Whatever trade you work in or whether you’re a building contractor working from site to site, you need plant to be able to carry out your work effectively. Whether your own or hired, your plant and machinery is high risk and there is the very real chance it may be damaged or stolen. When this happens, there is of course the financial loss involved in replacing anything stolen and repairing anything damaged, and this can get expensive. Plant and machinery insurance will cover these costs in many instances and when you compare quotes online with Just Quote Me you can find the right level of cover for your equipment and your business.

Covering your Plant and Machinery

Plant and machinery insurance will cover a wide range of different machinery including diggers, dozers, concrete mixers and cherry pickers. You will find policies specific to some machinery such as telehandlers and excavators but most businesses opt for a cover all style policy and check their particular machinery is covered by the policy.

Hired Plant and Machinery Insurance

If your business hires all its plant then you can be sure the hire contract includes a clause stating you are responsible for the maintenance and safety of the machinery. You are responsible for keeping the machinery in good condition and ensuring it is secure. Hired plant and machinery insurance coves your legal liability to the hiring company. It will pay compensation for any damage to the plant and will also cover legal costs, if and when this is necessary.

Owned Plant and Machinery Insurance

When you invest in your own plant and machinery then it’s entirely up to you how you use it or treat it, you can do what you want. However, the investment in this kind of equipment is significant so it stands to reason you want it kept in the best possible condition and protected should the worst happen. Getting plant and machinery insurance for your own equipment makes good sense to anyone looking to protect their business. If your plant or machinery was stolen or damaged would you have the capital to fix or replace it? With insurance you don’t need to worry about this question.

Adding plant and machinery insurance to your policy makes good sense for many businesses. You can discuss your requirements and compare quotes online at Just Quote Me today.

Contact us to find out more about Plant and Machinery Insurance:

Go to our online Quote System or call us on 0800 084 2325