Simply Business - Insurance for your business

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Plant and machinery insurance

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Trusted by 800,000 customers

Insuring businesses and landlords for over a decade

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Satisfaction score of 9/10

For public liability insurance

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Award-winning claims team

With a UK-based team available 24/7

Owned or hired, protect your machinery

If you’re a building contractor or tradesman, you probably spend a lot of time working on the client’s site, either with your own machinery, or a plant that you’ve hired. If these are damaged or stolen, you’ll need to replace or repair them. Plant insurance can cover this cost, while plant hire insurance protects you against the loss of business machinery that you’ve hired. Use our simple form to build an insurance policy that’s tailored to you, including this cover option.

Popular types of machinery you may want to cover with this policy include:

  • Diggers and mini-diggers
  • Cherry pickers
  • Concrete mixers
  • Cranes
  • Dozers
  • Dumpers
  • Excavators and mini-excavators
  • Forklifts
  • Generators
  • Loading shovels
  • Ride on road rollers
  • Telehandlers
  • Trailers

...and more.

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Other covers

See also

contracts cover

Hired-in plant insurance

Like with most things, if you hire in a plant or machinery, you’re responsible for keeping it safe and in the agreed condition, whether it’s in transit or on site. Hired plant insurance covers your legal liability, under the terms of your hiring agreement, to pay compensation for any damage to the plant. This includes legal defence costs and continuing hire charges for up to £15,000 for any single item.

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Own plant insurance

Do you own your plant? If you own the plant or machinery, keeping it insured is still important. You can include own plant cover with your full insurance policy, to protect you against loss, damage or theft.

Add plant and machinery insurance to your policy

If you already have a policy with us and want to add cover for your own or hired plant, give our team a call on 0333 014 6683. We’ll check you’re eligible, and help get you up to date.

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Plant & machinery cover details

It’s very important to make sure you understand what you need from your insurance. Use the check points below to get you thinking.

  • Check the documents before you buy for exclusions and excesses. For example, your equipment may only be insured if there’s a certain level of security on site
  • Don’t underestimate the value of your equipment, as this could mean you're not covered at the right level
  • If you decide this cover’s right for you, you’ll need to add it on to your full business insurance policy

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Sorted your employers' liability?

Remember, if you employ staff, you’re legally required to have employers’ liability insurance. It will cover the cost of a claim from an employee who has been injured at work, or who has become seriously ill as a result of working for you.

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Need cover for your day to day tools?

With Simply Business, you can insure up to £10,000 worth of tools and equipment. Read more about tools insurance.

Rated 4.7/5 by customers

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Our score is based on the reviews we’ve collected on Feefo, the independent customer research specialist.

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It is a very good and easy to use service. I've been a customer for several years and the renewal system is very straight forward. I've always found the quotes competitive too. I'd definitely recommend Simply Business.

R Matthews, Handyman

Plant and machinery insurance

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© Copyright 2021 Simply Business. All Rights Reserved. Simply Business is a trading name of Xbridge Limited which is authorised and regulated by the Financial Conduct Authority (Financial Services Registration No: 313348). Xbridge Limited (No: 3967717) has its registered office at 6th Floor, 99 Gresham Street, London, EC2V 7NG.