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Hired-in Plant & Equipment Cover for Painters & Decorators
Many painters and decorators rely on hired equipment to complete jobs efficiently and safely. Access platforms, scaffolding, spray machines and specialist tools are expensive to replace - and when you hire them, you’re usually contractually responsible for loss or damage.
Hired-in plant & equipment insurance protects you against unexpected repair or replacement costs, helping you meet hire agreement conditions and avoid costly disputes with hire companies.
What Does Hired-in Plant & Equipment Insurance Cover?
Accidental Damage
Covers accidental damage to hired plant and equipment while in your care, custody or control, whether on site or in use.
- Damage to MEWPs and access platforms
- Spray unit and compressor damage
- Accidental impact or overturning
Theft of Hired Equipment
Protects against theft of hired-in plant from construction sites, locked compounds or secured vehicles, subject to security requirements.
- Site theft during projects
- Theft from locked storage areas
- Cover aligned with hire contracts
Fire & Vandalism
Covers loss or damage caused by fire, arson or malicious acts while hired equipment is on site or in temporary storage.
- Fire damage on refurbishment sites
- Vandalism and malicious damage
- Protection against total loss claims
Contractual Liability Protection
Most hire agreements make you fully responsible for the equipment. This cover helps meet those contractual obligations.
- Cover aligned with hire terms
- Avoid unexpected replacement invoices
- Protect cashflow and margins
Typical Hired Equipment Used by Painters & Decorators
Hired-in plant insurance can be tailored to the specific equipment you use on site.
- Mobile elevating work platforms (MEWPs)
- Scaffolding and tower systems
- Paint spray units and compressors
- Floor sanding and preparation machines
- Specialist access and safety equipment
Why Hired-in Plant Insurance Is Essential
Without hired-in plant insurance, you could be personally liable for thousands of pounds if hired equipment is damaged or stolen - even if the incident wasn’t your fault.
- Hire companies pursue full replacement costs
- Public liability policies usually exclude hired plant
- One incident can wipe out project profits
- Often required by main contractors
FREQUENTLY ASKED QUESTIONS
+- What is hired-in plant & equipment insurance?
+- Is hired-in plant covered under public liability?
+- Do I need this insurance if I only hire equipment occasionally?
+- Does cover apply on construction sites?
+- What limits of cover are available?
Related Covers
Hired-in-plant pages should route users into the other painter covers that sit closest to equipment, site access and mobile working risk. These links keep plant-and-equipment intent focused on related painter insurance pages.