If your business is in the construction sector, it is likely you will own or hire machinery, tools & other equipment to carry out your work. If these items of plant are damaged or stolen following an insured event, they will need to be replaced or repaired quickly, so your work activities can continue with minimal interruption. Plant insurance can provide invaluable cover for these assets, even whilst kept or stored at working sites, providing certain security conditions are met. 

Examples of items of equipment that can usually be covered under a plant policy are:

• Construction machinery such as diggers, mini diggers, cherry pickers, concrete mixers, cranes, excavators, scissor lifts and forklifts
• Tools such as hand held power driven & non power driven
• Equipment such as generators, compressors, welfare units and site huts
• Employee tools 
• Civil Engineering equipment such as piling machines, bulldozers and other unique equipment

Some businesses within the construction sector may require cover for specialist equipment, such as drainage equipment & machinery, scaffolding equipment and other miscellaneous items. There are specialist insurers who can provide bespoke policies to cover such requirements.

If your business hires in an item of plant or machinery, you will usually be responsible for paying any continuing hire charges if the equipment has been damaged or stolen. Should you wish to know more, or would like for Integrum to review your insurance needs, please get in touch or complete our contact form for a member of our team to contact you.