We provide contractors plant insurance for businesses operating excavators, loaders, cranes, earthmoving equipment, scaffolding, concrete pumps, and the full range of construction plant and machinery. Our team understands that for contractors, plant downtime directly impacts project delivery and profitability, making comprehensive insurance with minimal exclusions essential to your operation. We structure policies that cover owned, leased, and hired equipment, including attachments, ancillary tools, and portable equipment that moves between sites. Coverage responds to accidental damage, theft, malicious acts, and sudden mechanical or electrical breakdown during operation.

As an independent broker, we access specialist plant markets that understand the harsh operating environment of construction sites, including the risks of collision, overturning, operator error, and damage during loading and transport. We ensure policies provide new-for-old replacement for equipment written off within specified timeframes, avoiding depreciation penalties that could leave you substantially out of pocket. For older plant, we negotiate agreed value settlements that reflect current market values rather than restrictive indemnity-based calculations. We arrange automatic coverage for newly acquired plant and temporary hire equipment, eliminating gaps during the acquisition and documentation process.

Our services include coordinating plant insurance with contract works policies to ensure clear delineation between your equipment and materials being incorporated into construction projects. We arrange hired-in plant coverage that responds when hire agreements make you responsible for damage to third-party equipment, protecting you from significant liability if rented plant is damaged whilst in your custody. For plant hire businesses, we structure policies that maintain coverage whilst equipment is hired to third parties, with appropriate notification and security requirements.

From small trade contractors with tool kits and light equipment to major civil contractors operating substantial mobile plant fleets, we deliver insurance solutions that match your operational scale and risk profile. Our focus is on minimising exclusions around working wear and tear, providing realistic excess structures, and ensuring claims are settled efficiently so damaged plant can be repaired or replaced without extended disruption to your projects and cash flow.