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.

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.

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.

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.

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.

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.

If you are using any heavy machinery either owned or hired, then you will need heavy plant machinery insurance. This includes machinery such as concrete mixers, forklifts, diggers, cranes and rollers.

Theft and vandalism of this type of equipment is unfortunately surprisingly common, so making sure it is all insured is vital. Heavy plant machinery insurance isn’t generally included as standard as part of contractors insurance, so you may need to consider it separately. Alternatively, talk to an insurance broker, such as Just Quote Me, who can bundle it with other insurance to give you the best deal.

You can tailor heavy plant insurance to the equipment you need to cover. You would expect all the machinery to be covered in the event of theft or vandalism. Protection in against break down from wear and tear is also expected. This should provide protection in the event of weather-driven damage. For large machinery, you should expect there to be cover in the event that your vehicle overturns in rugged terrain.

There should also be coverage that protects you in the event of specialised issues. The more specialised the equipment, the more specific the cover should be. For instance, you would expect a crane to have a special clause that applies to boom failure.

Theft and vandalism of this type of equipment is unfortunately surprisingly common, so making sure it is all insured is vital. Heavy plant machinery insurance isn’t generally included as standard as part of contractors insurance, so you may need to consider it separately. Alternatively, talk to an insurance broker, such as Just Quote Me, who can bundle it with other insurance to give you the best deal.

Yes we do – 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.

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.

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 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