Plant Hire Business Insurance

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Specialist insurance for plant hire companies, tool hire shops and machinery rental businesses across the UK

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We compare quotes from leading UK plant hire insurers

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

INSURANCE DESIGNED FOR PLANT HIRE BUSINESSES

Running a plant hire business involves high-value machinery, constant transportation, on-site risk and strict contractual obligations. From mini diggers and dumpers to access platforms, compressors and power tools, your assets face theft, damage and liability exposure every day.

Insure24 provides specialist plant hire business insurance tailored for UK hire companies - whether you operate a single hire shop, manage a regional fleet or supply plant nationwide to construction and civil engineering projects.

What Does Plant Hire Business Insurance Cover?

  • Plant & machinery insurance (owned and hired-out equipment)
  • Hired-in plant insurance
  • Public liability insurance
  • Employers’ liability insurance (legal requirement)
  • Theft, vandalism and accidental damage
  • Stock, tools and ancillary equipment
  • Goods in transit and delivery risks
  • Business interruption & loss of hire income
  • Customer injury and site liability

Plant & Machinery Insurance

Plant hire businesses rely on expensive, mobile assets that are frequently exposed to harsh conditions. Plant & machinery insurance protects your owned equipment against loss, damage or theft - whether on hire, in transit, on-site or stored at your yard.

  • Excavators, diggers & dumpers
  • Access platforms & scissor lifts
  • Compressors & generators
  • Breakers, rollers & compactors
  • Power tools & small plant

Public & Employers’ Liability Insurance

Plant hire companies face significant liability exposure. Customers, contractors or members of the public could be injured by hired equipment, delivery operations or site activities.

  • Injury caused by hired plant or tools
  • Damage to third-party property
  • Loading and unloading incidents
  • Delivery vehicle liability
  • Employee injury claims (Employers’ Liability)

Business Interruption & Loss of Hire Income

If fire, theft or major damage prevents you from trading or hiring out equipment, business interruption insurance helps replace lost income and ongoing expenses.

  • Loss of hire revenue
  • Ongoing wage and rent costs
  • Temporary premises expenses
  • Extended indemnity periods

Why Choose Insure24 for Plant Hire Insurance?

  • Specialist plant & construction insurance expertise
  • Access to leading UK plant hire insurers
  • Policies aligned with hire contracts & JCT terms
  • Fast quotes and flexible cover levels
  • Claims support from industry-experienced advisers

“Insure24 arranged comprehensive plant hire cover that satisfied our contract requirements and protected our fleet.”

Plant Hire Company – Midlands

FREQUENTLY ASKED QUESTIONS

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What is plant hire business insurance?

Plant hire business insurance is a specialist policy designed to protect companies that rent out plant, machinery and tools against theft, damage, liability claims and loss of income.

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Is employers’ liability insurance mandatory?

Yes. UK law requires plant hire businesses with employees to hold employers’ liability insurance with a minimum limit of £5 million.

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Does plant insurance cover hired-out equipment?

Yes. Policies can be arranged to cover equipment while on hire, in transit, on customer sites or stored at your premises.

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Do I need insurance if customers sign a waiver?

Yes. Waivers do not remove your legal liability for negligence or defective equipment. Insurance is essential protection.

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How much does plant hire insurance cost?

Premiums depend on plant values, hire turnover, claims history, security measures and cover limits. Insure24 compares multiple insurers to secure competitive rates.

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