Heavy Plant & Machinery Hire Insurance

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Specialist insurance for heavy plant hire companies covering excavators, cranes, dumpers and large construction machinery

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We compare quotes from leading heavy plant insurers

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

INSURANCE FOR HEAVY PLANT & LARGE MACHINERY HIRE

Heavy plant hire businesses operate in one of the highest-risk sectors of the UK construction industry. Excavators, cranes, bulldozers, articulated dump trucks and piling rigs represent extremely high capital values and are frequently exposed to theft, accidental damage, operator error and site hazards.

Insure24 provides specialist heavy plant & machinery hire insurance designed specifically for companies that hire out large construction plant to contractors, developers and infrastructure projects across the UK. Our policies are structured to meet contractual obligations, site insurance requirements and lender expectations.

What Does Heavy Plant Hire Insurance Cover?

  • Heavy plant & machinery insurance (owned plant)
  • Plant hired out to third parties
  • Hired-in plant insurance
  • Public liability insurance
  • Employers’ liability insurance
  • Theft and vandalism of heavy machinery
  • Accidental damage and overturning
  • Transit and loading / unloading risks
  • Loss of hire income and business interruption

Heavy Plant & Machinery Insurance

Heavy plant insurance protects high-value machinery against loss or damage while on hire, on construction sites, in transit or stored at your depot. Cover can be arranged on an “anywhere in the UK” basis or restricted to named sites.

  • Tracked and wheeled excavators
  • Bulldozers and graders
  • Mobile and tower cranes
  • Articulated and rigid dump trucks
  • Piling rigs and drilling equipment
  • Road rollers and asphalt plant

On-Site & Operational Risks

Heavy plant operates in demanding environments where the risk of collision, overturning, subsidence and third-party damage is high. Insurance must respond to real-world site conditions.

  • Plant overturning or collapse
  • Damage caused by ground conditions
  • Collision with structures or vehicles
  • Theft from unsecured sites
  • Fire and flood exposure

Public & Employers’ Liability Insurance

Heavy plant presents a significant liability exposure. If machinery causes injury or damage, your business may face substantial claims. Liability insurance protects against legal costs and compensation.

  • Injury to contractors or members of the public
  • Damage to buildings, roads or utilities
  • Delivery and recovery operations
  • Employee injury claims

Loss of Hire & Business Interruption

If a major item of heavy plant is stolen or damaged, your hire income can stop immediately. Loss of hire insurance helps replace lost revenue while repairs or replacements are arranged.

  • Loss of hire income
  • Extended downtime protection
  • Ongoing fixed costs
  • Optional increased indemnity periods

Why Choose Insure24?

  • Specialists in plant hire & construction insurance
  • Policies aligned with hire contracts and site requirements
  • Access to insurers experienced in heavy plant risks
  • Flexible cover for national and regional fleets
  • Claims support that understands construction downtime

“Insure24 arranged heavy plant insurance that met our contract requirements and protected our fleet on major infrastructure projects.”

Heavy Plant Hire Company – UK

FREQUENTLY ASKED QUESTIONS

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What is heavy plant hire insurance?

Heavy plant hire insurance protects businesses that hire out large construction machinery against theft, damage, liability claims and loss of hire income.

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Is plant covered while on site?

Yes. Heavy plant can be insured while operating on construction sites, in transit, during loading and unloading, and while stored at secure locations.

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Do I need hired-in plant insurance?

If you hire machinery from other suppliers, hired-in plant insurance protects you against damage or loss for which you are contractually responsible.

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Is employers’ liability insurance compulsory?

Yes. UK law requires employers’ liability insurance if you employ staff, including drivers, fitters and yard operatives.

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How much does heavy plant hire insurance cost?

Costs depend on plant values, fleet size, security, hire turnover and claims history. Insure24 compares multiple insurers to secure competitive pricing.

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