machinery on large construction site with construction worker

Plant Insurance

Covering everything from tools to full construction plant, hired in or owned — an optional extra for all Tradesman Saver policies which automatically include:

  • Public Liability
  • Financial Loss
  • Products Liability
  • Legal Expenses
  • Accidental Death
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Unlike most other tradesmen, construction workers need some serious machinery to help them get the job done. From diggers to concrete mixers, forklifts to cranes, contractors won’t always own the gear they use. Plant insurance provides critical financial protection against any damage or loss that may befall your equipment either way. Included as an optional extension under some of our public liability policies, our short-term plant hire insurance is ideal for those working on a construction site, providing cover for everything from fire to vandalism and theft.

Why do you need hired-in plant insurance?

If you’re working as a building contractor or a tradesman, then you’ll no doubt spend a lot of time on a client’s site with either your own machinery or plant you’ve hired in for the job. If these get lost, broken, or stolen, it’ll be up to you to replace or repair them. Tradesman Saver can cover these costs through owned or hired in plant insurance, which covers rented or bought equipment respectively, making it a necessity for tradesmen.

Unlike public liability, plant insurance is not an automatic cover, but it can be added to any standard Tradesman Saver policy if you need it.

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What’s included with our Automatic Cover

Plant insurance from Tradesman Saver begins from the second you purchase your insurance from us. Cover is available for up to £75,000 of own plant and up to £50,000 of hired-in plant. If you need cover beyond this, simply get in touch with us and we can arrange to increase this further.

We do not offer this as a single policy, but short term plant insurance is available as an additional extra for anyone who wishes to take out builders insurance with us. This standard policy provides your business and employees with public liability insurance, offering protection against any injury claims to a customer or member of the public.

It also includes products liability, which secures you if your products or services injure a third party. Our policy also covers financial losses, and legal expenses of up to £250,000, as well as accidental death, offering a lump sum in the event of a fatality befalling you or a member of your team. Our plant insurance can be purchased as an add-on, alongside other optional insurance covers such as contractors’ all risk, professional indemnity, and wider tools & equipment insurance.

Please note that plant insurance is an optional cover that you can add to your policy alongside cover for your contract works.

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Why Us?

Online & Anywhere

We like to keep things simple. Your quote, purchase and documents are all available online, anytime.

Instant Cover

No need to wait for your documents. Our tradesman cover starts from the moment you purchase.

Added Protection

Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.

Monthly Instalments

Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.

Plant Insurance: What’s Included In Your Cover?

To ensure you get the best possible cover for the lowest price, we include plant insurance under our contract works optional cover. It includes:

  • Contract works cover from £50,000 to £500,000
  • All risks cover
  • Construction plant, tools and equipment from £5,000 to £75,000
  • Off-site storage
  • Temporary buildings from £5,000 to £25,000
  • Hired in plant up to £50,000 for any one item
  • Hired in plant annual fees from £2,500 to £50,000
  • Immobilised plant
  • Plant cover includes JCBs & diggers
  • Low-cost monthly instalments available
  • Covered while in transit
  • Continuing hiring charges

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hired in plant and machinery on a building site

Why do you not offer plant insurance in isolation?

Most insurers are unable to offer plant insurance on its own due to the high level of claims that arise from this type of cover. It’s often included as part of a comprehensive public liability insurance package.

What do I do if my construction plant is stolen?

If your construction plant is stolen, report it to the police and ask for a crime reference number. Once you have done this, contact our claims department. We will often give authorisation for you to replace the plant while we deal with your insurance claim, enabling you to get back to work quickly.

Does plant insurance cover continuing hiring charges?

Yes. The maximum we’ll pay is the equivalent to 90 days’ worth of hiring charges.


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*Based on £1,000,000 public liability, £250,000 legal expenses & £10,000 accidental death cover for a sole trader © Copyright 2019 Tradesman Saver | Tradesman Saver is a product of Henry Seymour & Co (Barkdene Ltd) which is authorised and regulated by the Financial Conduct Authority.Registered in England No 1842617 Insurance Brokers. All rights reserved.
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