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INSURANCE FOR CONSTRUCTION PLANT, MACHINERY & TOOLS
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OWNED PLANT
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HIRED-IN PLANT
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TOOLS & EQUIPMENT
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SITE SECURITY & STORAGE
What Is Plant, Equipment & Tools Insurance?
This insurance covers damage, theft or loss of construction plant, machinery and tools - from small hand tools and power tools to excavators, dumpers, telehandlers and scaffolding.
Cover applies whether the equipment is owned by you, hired-in under a CPA/contract rental agreement, or temporarily stored on-site or in a locked vehicle.
Essential for builders, subcontractors, developers, tradespeople and contractors of all types.
What Does Plant, Equipment & Tools Insurance Cover?
Core protection for equipment used on construction sites.
- Owned plant - excavators, diggers, dumpers, lifts, scaffolding
- Hired-in plant (subject to CPA terms or hire contracts)
- Tools & hand-held equipment - on site and in transit
- Theft, vandalism & malicious damage
- Fire, flood, storm & accidental damage
- Damage caused during use or operation
- Breakdown cover (optional)
- Ongoing hire charges if hired-in plant is damaged
- Cover in vehicles (subject to security requirements)
Common Claims & High-Risk Situations
- Theft of plant from site outside working hours
- Tools stolen from vans, especially overnight
- Accidental damage during operation
- Fire or flood damage to stored equipment
- Vandalism and malicious damage during site downtime
- Failure to comply with CPA hire conditions
- Damage while loading or unloading machinery
Why Construction Firms Choose Insure24 for Plant & Tools Cover
- Specialist construction insurance expertise
- Fast documentation for site compliance checks
- Competitive rates on plant & tool cover
- Flexible cover for owned or hired-in equipment
- Help meeting security conditions for tool-in-van cover
- Optional breakdown & continuing hire charges cover
“Our tools and plant are our livelihood. Insure24 gave us the right protection and explained what security we needed for full cover.”
Richard L., Groundworks ContractorFREQUENTLY ASKED QUESTIONS
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Does plant insurance cover hired-in equipment?
Yes - hired-in plant is covered, including liability for continuing hire charges if the equipment is damaged or stolen.
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Are tools covered in my van overnight?
Overnight van cover may be restricted unless specific security conditions are met (e.g., alarmed vans, secure parking). We’ll advise based on your insurer.
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Does this cover breakdown?
Breakdown cover is optional and can be added for mechanical or electrical failure of plant machinery.
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Is theft covered if security wasn’t adequate?
Claims may be declined if minimum security requirements are not met. We’ll help ensure your arrangements satisfy insurer conditions.
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Can this cover be added to my existing builders insurance?
Yes - plant and tool cover is often added onto public liability or contractors’ insurance packages.
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Does plant insurance cover hired-in equipment?
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Are tools covered in my van overnight?
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Does this cover breakdown?
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Is theft covered if security wasn’t adequate?
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Can this cover be added to my existing builders insurance?
Related Covers
Plant and equipment pages work best when they link owned equipment, hired-in plant, site security and contractor operations together. These guides keep plant-focused traffic focused on related construction insurance pages.