Contractor’s Plant & Machinery Insurance
This policy covers construction plant and machinery — owned, hired, or leased — against accidental physical loss or damage while in use, in storage, or in transit on site.
Protection for the equipment a project depends on
Cover applies to own damage, and to mechanical or electrical breakdown where included, plus third-party liability arising from operating the equipment. Hired-in plant is covered where declared.
What’s typically excluded:
Normal wear and tear, pre-existing defects, gradual deterioration, consequential loss, and war and nuclear risks are common exclusions.
Why plant & machinery cover matters
Owned, hired, or leased — if it’s declared, it can be covered
Equipment doesn’t need to be owned outright to be protected, as long as it’s properly declared under the policy.
Breakdown risk, not just accidental damage
Mechanical or electrical breakdown cover, where included, protects against a different failure mode than a physical accident.
Third-party liability from operating equipment
Heavy machinery on an active site creates real third-party exposure while it’s in operation.
What contractor’s plant & machinery insurance covers
Own Damage Cover
Cover for accidental physical loss or damage to insured equipment.
Mechanical/Electrical Breakdown
Included on some plans, offered as an extension on others.
Third-Party Liability
Cover arising from the operation of the equipment.
Hired-In Plant Cover
Cover for hired or leased plant, where declared.
Built for those who depend on construction equipment
Construction Contractors
Protect the equipment a project actively depends on.
Equipment Owners
Protect owned plant against damage and breakdown.
Project Developers
Manage risk across equipment used throughout a project.
Supported from comparison through claims
Our Digital Insurance Journey is how we work every business insurance enquiry, start to finish.
Enquire
Tell us what equipment you own, hire, or lease, and how it’s used.
Learn & Compare
We explain what’s excluded before you buy, then compare relevant plans across insurers.
Apply & Issue
Your advisor handles the paperwork, liaises with the insurer, and checks the policy before you rely on it.
Renewals & Claims
We stay reachable for renewals, and our Claims Support desk helps if equipment is damaged.
Frequently asked questions
Cover that often goes with plant & machinery insurance
Looking for the right cover for your equipment?
Talk to an advisor about how Contractor’s Plant & Machinery Insurance fits your project — we compare across insurers rather than selling a single product.