Hired in Plant Insurance
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.
- 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.
- 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.
Ready, set, quote
Get a competitive quote in less time than it takes to make a brew, seriously it’s that quick!
Insurance built around the needs of the UK’s small businesses
Flexible cover
Adjust your cover at anytime, without admin fees. As your business grows or changes, you can easily update your cover to match your needs.
No hidden fees
Pay how it suits you, monthly or annually. Plus no cancellation fees.
Simple claims process
Submit a claim online or give us a call. We'll handle the hard part, so you can get back to work, knowing your business is in safe hands.
Top-rated customer support
No long phone queues. No confusing jargon. Our South Wales-based team is dedicated to supporting you and is ready to answer any questions.
How Much Does Hired in Plant Insurance Cost?
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?
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.
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.