Flood, Fire & Weather Damage Insurance for Plant Hire

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Protect your plant hire premises, yard, machinery and stock against flood, fire, storms and extreme weather

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We compare property and premises risk cover from leading UK insurers

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

PREMISES & WEATHER RISK INSURANCE FOR PLANT HIRE BUSINESSES

Plant hire businesses typically operate from yards, depots, warehouses and workshops that store high-value machinery, tools and equipment. These premises are increasingly exposed to flood risk, fire damage and severe weather events.

Flooding can destroy electrical plant and tools, fire can wipe out workshops and stock, and storms can damage buildings, fencing and stored machinery. Without specialist cover, the financial impact can be devastating.

Flood, fire & weather damage insurance from Insure24 protects your plant hire premises, buildings and contents against physical damage caused by insured perils.

What Does Flood, Fire & Weather Damage Insurance Cover?

  • Fire, smoke and explosion damage
  • Flood and surface water ingress
  • Storm, wind and hail damage
  • Snow and ice-related building damage
  • Damage to workshops, depots and yards
  • Plant, tools and stock stored on site
  • Debris removal and site clearance
  • Alternative premises costs (optional)

Flood Risk for Plant Hire Yards & Depots

Many plant hire yards are located on industrial estates or low-lying land, increasing exposure to river flooding, surface water build-up and flash floods. Flood damage can destroy engines, electrics and specialist equipment.

  • Flood damage to stored plant and machinery
  • Contamination of fuel and hydraulic systems
  • Damage to electrical tools and diagnostics
  • Clean-up and decontamination costs

Fire Risk in Workshops & Storage Areas

Fire is one of the most severe risks facing plant hire businesses. Welding, fuel storage, battery charging and electrical faults can all lead to rapid fire spread.

  • Fire damage to buildings and contents
  • Smoke damage to machinery and tools
  • Loss of stock and spare parts
  • Rebuild and reinstatement costs

Storm & Extreme Weather Exposure

Severe weather events are becoming more frequent across the UK. High winds and storms can cause structural damage and leave plant exposed to theft or further loss.

  • Storm damage to roofs and cladding
  • Collapsed fencing and perimeter security
  • Water ingress following roof damage
  • Damage to outdoor-stored machinery

Business Interruption Following Premises Damage

Flood or fire damage can prevent your plant hire business from operating. Business interruption cover can be added to protect income during recovery.

  • Loss of hire income
  • Ongoing wages and overheads
  • Temporary relocation costs
  • Extended indemnity periods

Why Arrange Premises Risk Cover with Insure24?

  • Specialist understanding of plant hire premises
  • Flood-aware underwriting support
  • Cover for yards, depots and workshops
  • Flexible sums insured and extensions
  • Claims support for complex property losses

“After flooding damaged our yard and tools, Insure24’s cover allowed us to recover quickly and keep trading.”

Plant Hire Business – UK

FREQUENTLY ASKED QUESTIONS

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Does this insurance cover flood damage to plant?

Yes. Flood cover can protect plant, tools and equipment stored at your premises, subject to policy terms and flood risk assessment.

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Is fire insurance included?

Fire cover is a core element, protecting buildings, workshops and contents against fire, smoke and explosion damage.

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Does this cover outdoor storage yards?

Yes. Policies can include cover for plant and equipment stored in secure outdoor yards.

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Can I add business interruption cover?

Yes. Business interruption can be added to protect income following insured premises damage.

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Is flood cover always available?

Flood cover availability depends on location and risk profile. Insure24 works with insurers experienced in flood-exposed commercial risks.

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