Hired in Plant Insurance

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Get Hired in Plant cover as an add-on to your Public Liability policy. Prices start from just £14.92 a month*.
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What is hired in plant insurance?

Hired in plant insurance is an add-on to a public liability policy that protects businesses relying on rented equipment from the financial impact of attempted theft, theft, or accidental damage of machinery or tools. Available with three levels of cover (£10k, £25k, and £50k) suitable for all trades, it shields companies like construction firms and contractors from costly repair or replacement bills, project delays, and lost revenue.

For example, if a hired digger is unexpectedly damaged on-site, your business could be liable for thousands in repair costs. This cover ensures business continuity, protecting you from unforeseen expenses.

What does Hired in Plant  Insurance cover?

Hired In Plant Cover protects the plant and machinery you’ve hired and are responsible for. If it’s accidentally damaged, vandalised, or stolen while in your care—on-site or in transit—we’ll help with repair or replacement costs, so you're not left footing the bill for someone else’s equipment.

What’s included?
  • We cover theft from off-site UK storage if equipment is kept in securely locked or guarded locations.
  • We cover accidental physical loss, destruction or damage to hired constructional plant and equipment in your care.
  • We cover up to £25,000 after the first 48 hours and up to 90 days.
  • We cover recovery costs of hired constructional plant that's been unintentionally immobilised.
What’s not included?
  • Mechanical or electrical breakdowns not caused by external events.
  • Damage from overloading or using equipment outside of its intended purpose.
  • Theft from unsecured sites or vehicles, where reasonable precautions weren’t taken.

This content has been created for general information purposes. To ensure you have the correct level of insurance please see our full policy wording.

Download full policy wording
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Insurance built around the needs of the UK’s small businesses

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Fast claims processing

If you need to make a claim, we've made it quick and easy, so you can get straight back to work knowing everything’s being taken care of.

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Top-rated Customer Service team

Our friendly South Wales-based team is here to assist you every step of the way. Give us a call to speak directly with our specialists, who are ready to provide the support you need.

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Everything in one place

Our easy-to-use online portal allows you to access your policy documents, manage payments, and make changes, all in one place and at your convenience.

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Zero hidden fees

Update your policy at any time with complete flexibility, and enjoy the peace of mind that comes with no penalty fees, no admin charges, and no hidden costs.

How Much Does Hired in Plant Insurance Cost?

Almost every business should consider public liability insurance. Whether you’re a contractor working on third-party properties or a small business owner dealing with customers, it protects against unexpected claims.
Some key sectors that benefit from public liability insurance include:


  • Tradespeople
  • Freelancers
  • Consultants
  • Couriers

Without liability insurance, even minor incidents, like damaging a client’s property, could lead to costly claims and legal fees, putting your business at financial risk. Protect your livelihood and reputation with the right coverage for your needs.

We offer three levels of cover tailored to meet various business needs:

  • £10,000 Cover
  • £25,000 Cover
  • £50,000 Cover

These levels allow you to select the right option based on your equipment's value and your risk needs, with premiums starting from as little as £14.92* per month. Factors such as industry, the type of equipment, and its replacement cost can also affect the overall price.

With competitive pricing and comprehensive cover, hired in plant insurance offers peace of mind to help keep your projects moving forward, no matter what.

How do I purchase the Hired in Plant insurance add-on?

Almost every business should consider public liability insurance. Whether you’re a contractor working on third-party properties or a small business owner dealing with customers, it protects against unexpected claims.
Some key sectors that benefit from public liability insurance include:


  • Tradespeople
  • Freelancers
  • Consultants
  • Couriers

Without liability insurance, even minor incidents, like damaging a client’s property, could lead to costly claims and legal fees, putting your business at financial risk. Protect your livelihood and reputation with the right coverage for your needs.

You can buy Hired in Plant cover as an optional add-on to our Public Liability insurance.

If you are buying a policy with us for the first time, you will be able to purchase Hired in Plant insurance online, at the same time as your Public Liability cover.


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Hired in Plant FAQs

*Price based on tradespeople with no claims and a minimum of 4 years’ experience in their trade. Your quote will be personalised to your requirements and will reflect the risks you need to be covered against. The price is correct as of 08 May 2025.