Meta description: Learn what Hired-In Plant Insurance covers for rented construction and engineering equipment in the UK, what’s excluded, how claims work, and how to reduce premiums.
Hired-In Plant Insurance (often called rented equipment protection) covers plant, tools, and machinery you hire or lease for construction and engineering work. If the hired item is damaged, stolen, or destroyed while it’s in your care, custody, or control, the hire company will usually hold you responsible under the hire agreement. This cover is designed to pay the cost of repair or replacement (up to the policy limit), helping you avoid a sudden, cash-heavy bill that can wipe out profit on a job.
It’s commonly arranged as part of a Contractors All Risks (CAR) policy or a broader Construction/Engineering Insurance package, alongside Public Liability, Employers’ Liability, Contract Works, and Owned Plant.
Hiring plant is normal in the UK—especially when you need specialist kit for a short period, you’re scaling up for a project, or you don’t want to tie up capital in equipment ownership. But the risk doesn’t reduce just because you don’t own the asset.
Typical real-world triggers include:
A hired mini excavator is stolen from a site over a weekend.
A telehandler is damaged during loading/unloading.
A hired generator is flooded after being left in a low-lying area.
A hired breaker is dropped from height and becomes unusable.
Without Hired-In Plant Insurance, you may still be liable for the hire company’s costs, plus ongoing hire charges while the item is off the road.
Cover varies by insurer and wording, but a strong policy commonly includes:
Damage caused by sudden, unforeseen events—collisions, overturning, impact damage, or operator error.
Theft from site, theft from a locked compound, or theft from a locked vehicle (subject to security conditions). Attempted theft damage can also be included.
Loss or damage due to fire, lightning, explosion, flood, and severe weather.
Intentional damage by third parties, which can be a major issue on unsecured or remote sites.
Some policies cover hired plant while being transported between sites, to and from the hire depot, or while on a trailer—provided certain conditions are met.
If the hired item is damaged and you’re still being charged hire fees while it’s being repaired or replaced, some policies can cover those continuing charges.
Damage to the hired plant itself is one thing; injury or property damage caused by its use is another. Public Liability typically responds to third-party injury/property damage, but it’s important to confirm the hired plant is included and that any road risks are properly arranged.
Exclusions are where many claims fall down. Common restrictions include:
Insurance is for sudden events, not maintenance. Mechanical or electrical breakdown may require a separate plant breakdown section.
If the policy requires a locked compound, immobiliser, tracker, or specific overnight storage, failing to follow those conditions can invalidate a theft claim.
Some wordings exclude theft by people working for you unless you add a fidelity/dishonesty extension.
If the equipment was used outside manufacturer guidance or safe working load, insurers may dispute the claim.
Hire agreements can include harsh terms. If you accept liability that goes beyond what you’d normally have at law, the insurer may not automatically cover it unless the policy allows for that contractual exposure.
“Missing” equipment without evidence of theft or a specific incident can be difficult to claim.
If you hire equipment—even occasionally—this cover is worth considering. It’s particularly relevant for:
Groundworks and civil engineering contractors
Design & build firms
Plant operators and subcontractors
M&E contractors using hired access equipment
Roofing and scaffolding firms
Utility, highways, and rail contractors
Facilities and maintenance teams hiring specialist kit
Even if you only hire a few items a year, one theft can cost more than several years of premiums.
Hired-in plant can include:
Excavators, dumpers, rollers, and compactors
Telehandlers and forklifts
MEWPs (scissor lifts, cherry pickers)
Generators, compressors, lighting towers
Breakers, cutters, and specialist tools
Welding equipment and site machinery
Pumps and dewatering equipment
Always check if the insurer treats small tools differently from larger plant, and whether there are single-item limits.
Hired-In Plant Insurance is usually arranged with:
This is the maximum the insurer will pay for hired plant you have at any one time (e.g., £25,000, £50,000, £100,000).
A cap per individual item (e.g., £10,000 per item). If you hire a £35,000 telehandler but your single item limit is £15,000, you’re underinsured.
A fixed amount you pay toward each claim. Theft excesses can be higher than accidental damage.
Tip: Match your limit to your peak hire exposure, not your average week. Think about the biggest project you take on, the most plant you’d hire at once, and the most expensive single item.
Most construction and engineering firms need a package approach. Hired-In Plant typically sits alongside:
Public Liability (injury/property damage to third parties)
Employers’ Liability (legal requirement if you employ staff)
Contract Works (damage to the works in progress)
Owned Plant (your own equipment)
Tools cover (hand tools, small kit)
Professional Indemnity (design, advice, specification risks)
Contractors’ Pollution Liability (where relevant)
Business interruption (for office operations)
The key is avoiding gaps—especially where one insurer assumes another section responds.
To price and accept the risk, insurers typically ask:
What trades do you do? (groundworks, civils, demolition, M&E, etc.)
Where do you work? (UK-wide, Wales/England focus, city centres, remote sites)
What’s your maximum hired-in plant value at any one time?
What’s the maximum single item value?
How is plant stored overnight? (compound, fencing, CCTV, security patrols)
Do you use immobilisers/trackers?
Any previous theft or damage claims?
Who operates the plant? (own employees, trained operators, subcontractors)
Do you hire with or without operator?
Do you transport plant yourselves? (own trailers, haulage company)
Clear, consistent answers help you get better terms.
When something goes wrong, speed and documentation matter.
If there’s damage or an incident, stop work, isolate hazards, and prevent further loss.
Get a crime reference number. Insurers usually require it.
Most hire agreements require immediate notification.
Photos/video of the scene
Serial numbers, asset IDs, and hire paperwork
Witness statements
CCTV footage if available
Details of site security measures
Late notification can complicate claims.
Track repair invoices, replacement quotes, and any continuing hire charges.
Insurers love risk management—especially for plant theft, which is a major UK issue.
Consider:
Secure, well-lit compounds with robust fencing and locked gates
Immobilisers on plant and removing keys when unattended
Plant trackers for high-value items
Marking equipment (CESAR, Datatag, forensic marking)
Keeping a plant register with serial numbers and photos
Limiting overnight storage on open sites
Using lockable tool vaults and containers
Training staff on end-of-day security checks
Even small upgrades can improve terms.
These are the issues we see most often:
Setting the hired-in plant limit too low for peak periods
Forgetting single item limits
Assuming the hire company’s insurance covers you (often it doesn’t)
Not meeting overnight security conditions
Hiring plant under a different company name than the insured entity
Not declaring high-risk activities (demolition, hot works, rail work)
Confusing hired-in plant cover with Public Liability
Hired-In Plant: protects equipment you rent/lease.
Owned Plant: protects equipment you own.
Contract Works: protects the project/works in progress (materials, part-built structures).
They’re related, but not interchangeable.
Before you buy, confirm:
Your maximum hired-in plant and maximum single item values
Theft conditions (compound, immobiliser, tracker, key control)
Transit cover requirements
Whether continuing hire charges are included
Any exclusions for unattended theft or remote sites
Whether plant hired with operator is treated differently
Claims process and documentation requirements
Is hired-in plant insurance legally required?
No, but hire agreements often make you responsible for loss or damage.
Does Public Liability cover damage to hired plant?
Usually not. Public Liability is for third-party injury/property damage, not hired equipment you’re responsible for.
Does it cover theft from an open site?
Sometimes, but only if you meet the policy’s security conditions.
What if the plant is stolen overnight?
Theft claims often hinge on whether the plant was immobilised and stored in a locked compound.
Can I cover hired tools as well as plant?
Yes, but tools may sit under a separate “tools” section with different limits.
Is accidental damage covered?
Typically yes, subject to excess and policy terms.
What about mechanical breakdown?
Usually excluded unless you add a breakdown extension.
Do I need to list every hired item?
Not always, but you must keep hire records and stay within your policy limits.
What’s a typical hired-in plant limit?
It depends on your peak exposure; many SMEs choose £25,000–£100,000, but it varies widely.
Will a claim affect my premium?
Claims history can impact renewal pricing and terms.
Hired-In Plant Insurance is one of the most practical protections for construction and engineering firms that rely on rented equipment. It keeps projects moving, protects cashflow, and helps you meet contractual obligations to hire companies—especially when theft and accidental damage are real, everyday risks.
If you hire plant regularly, the best approach is to review your peak exposure, tighten site security, and build hired-in plant into a joined-up Construction & Engineering Insurance package.
Call to action: If you’d like a quick review of your hired-in plant exposure and the limits you should set, speak to a specialist commercial broker who understands construction and engineering risks.
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