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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
Plant And Equipment Review Points
Construction firms should review owned plant, hired-in plant, tools, lifting equipment, attachments, site storage, tracking devices, security and operator controls before comparing cover. Plant exposure can change quickly between sites, so the policy should reflect both values and movement.
Useful quote information includes maximum item value, total plant value, hire terms, security arrangements, claims history, overnight storage and whether equipment is used by employees, subcontractors or hired operators.
“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?
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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, including civil engineering contractors where machinery is central to highways, drainage, utilities and earthworks delivery.