Hired In Plant Insurance

Image of a digger working

SME Insurance

Hired In Plant Insurance

Many people who work on building sites as building contractors or tradesmen spend more time working with either your own machinery or plant which you have hired than they do at home.

If these are damaged or stolen, you will need to replace or repair them. Plant insurance can cover the cost, with plant hire insurance protecting you against the loss of business machinery which you’ve hired.

Any time you’re hiring a piece of plant, you enter into a contract with the hire company meaning you are responsible for the plant whilst it is in your control. Hired-in plant insurance provides protection against the risk of that plant being stolen, damaged or otherwise un-useable. If anything happens to the plant, you would be liable to replace the plant, which could end up proving very expensive! Liability insurance is recommended for anyone hiring business equipment for the chance that any claims are made.

Insurance for Plant Hire

An insurance policy for hired in plant and machinery covers you with liability insurance under the terms of your hire agreement, to pay compensation for damage to the plant. This can also include legal defence costs and continuing hire charges. Different insurance providers can offer differing amounts of cover, with most cover against damage, fire and theft covering anywhere from £15,000 to £100,000. It is a good idea to speak to our team to establish the level of cover you require for your plant hire.

Plant Insurance Policies

You may be wondering if you really need insurance protection for your hired-in plant. Every year, millions of pounds of plant and equipment is stolen from construction sites, and vandalism can be a big problem. When equipment is kept outside, damage from the elements can also be a risk factor, and since most construction sites are potentially hazardous environments, there is always the chance that plant and machinery could suffer accidental damage. When you lease plant machinery, you become responsible for that machinery, with a financial responsibility to pay the lease charges even when stolen, damaged or lost. It is a very useful policy to take out to protect you from a number of expensive charges should something happen to the plant and machinery in your care!

Why Choose Erskine Murray

Erskine Murray are a leading business insurance broker here in the UK, working with a chosen panel of insurance providers. We work with a wide range of business industries, offering an extensive range of insurance products and cover to suit your unique business venture. Speak to our team today to find out how we can help you source the right insurance products for your business requirements.

SME Insurance by Sector


One policy for fleets of all sizes. Our online platform compares insurers within minutes, so you know you have the right cover.

Professional Indemnity

Often referred to as 'PI', a profession-based risk management package.


Our package covers every single trade. Simple, effective and delivered by the same or following working day.

Contractors All Risk

Whilst all construction sites are different, there are still common risks and threats shared by them all.

Tradesman Insurance

With thousands of different trades in the UK, Erskine Murray can help tailor individual insurance products specific to your needs.

Tools Insurance

Insurance to protect your own personal tools, hand tools, power tools and plant equipment against loss, damage or theft.   

Business Contents Insurance

Business contents insurance is a type of business insurance that protects your organisations possessions and equipment in your work premises.

Personal Accident Insurance

Also known as personal injury insurance, is designed to pay out compensation upon suffering from death or serious injury as the result of an accident.

Who do I


If you would like to talk more about your SME Insurance needs please contact Rob.

Rob Marshall

Head of SME

Who do I


Rob Marshall

Head of SME

Employee Benefits

Have you considered an Employee Benefits package? Such a policy can help you attract and retain a highly skilled and dedicated workforce.

Professional Indemnity

Our PI arm are specialists in providing PI insurance for architects, consulting engineers and the construction industry.