Plant Hire Contractors Insurance
Specialist Cover for Your Equipment & Liability With Our Plant Hire Contractors Insurance
Running a plant hire business or working as a plant hire contractor comes with high-value equipment, physical risk, and strict contractual obligations. Whether you operate excavators, dumpers, telehandlers, rollers, or other heavy machinery, one accident or theft could cost thousands—and potentially halt your operations.
ABA Insurance offers specialist Plant Hire Contractors Insurance designed to protect contractors, plant owners, and hire businesses from equipment damage, theft, public liability claims, and more. With tailored cover built around how you work, we help keep your business moving.
What You Get
Liability
Fleet
Plant
Professional Indemnity
Legal
And more…
What is Plant Hire Contractors Insurance?
Plant Hire Contractors Insurance is a bespoke policy designed for businesses and contractors who own, operate, or hire plant and heavy machinery for use on construction sites or infrastructure projects. It offers financial protection for owned or hired-in plant, employees, third-party liabilities, and legal expenses.
This cover is essential for:
- Plant hire companies
- Groundworks and civil engineering firms
- Contractors using hired-in or owned machinery
- Construction companies and subcontractors
- Infrastructure and demolition firms
Without the right insurance, a stolen machine, on-site accident, or equipment failure could lead to project delays, compensation claims, and significant financial loss.
Why Do You Need Plant Hire Contractors Insurance?
High-Value Equipment at Risk
Plant machinery is expensive and a common target for theft and vandalism. Our policy protects against loss, damage, and breakdown of both owned and hired-in plant.
Contractual Obligations
Most hire agreements require contractors to insure plant while it’s in their possession. Our policy meets contractual demands from main contractors and site operators.
Liability Protection on Site
If your machinery causes property damage or injures someone, you could face legal action. Our public liability cover protects your business from claims and compensation costs.
Employee Safety and Legal Compliance
If an employee is injured while using plant machinery, you must be covered. Our policy includes employers’ liability insurance, a legal requirement in the UK.
Minimise Downtime
Accidents happen. We ensure that your cover includes support for repair, replacement, or hire of new equipment, helping you avoid costly project delays.
What Does Plant Hire Contractors Insurance Cover?
ABA’s flexible policies can include:
- Hired-in plant insurance – Covers loss, theft, or damage to hired machinery
- Owned plant insurance – Protection for equipment you own and use on-site
- Public liability insurance – Cover if machinery causes third-party injury or damage
- Employers’ liability insurance – Required by law if you employ staff
- Contract works insurance – Protects ongoing work against damage from fire, theft, or weather
- Tool and equipment cover – For smaller tools and attachments
- Business interruption cover – For financial loss if machinery failure halts operations
- Legal expenses cover – For contract disputes, claims, or legal defence
We’ll help you build a policy that matches the way you work, with flexible levels of cover to suit your risk level and machinery values.
Get The Right Business Insurance
Who Needs This Type of Insurance?
Plant Hire Contractors Insurance is essential for:
- Self-employed contractors hiring machinery
- Companies that operate their own fleet of plant
- Businesses that hire out equipment to third parties
- Subcontractors responsible for insuring hired-in plant
- Operators working under principal contractors
If you’re in possession of plant machinery—whether for a day, a month, or full-time—it’s your responsibility to ensure it’s adequately insured.
Common Industry Pain Points & How ABA Insurance Solves Them
Struggling to Find Cover for Hired-In Plant?
Many insurers exclude plant hire from standard business cover. We specialise in construction and plant insurance, ensuring hired-in machinery is fully protected.
Concerned About On-Site Liability?
Accidents involving heavy equipment can lead to injury or costly legal claims. Our policies include robust public and employers’ liability cover.
Downtime from Damaged or Stolen Plant?
We understand time is money. That’s why our policies offer swift claims processing and hire replacement support, so you’re not left waiting.
Complex Contracts and Legal Clauses?
We offer policies that meet the insurance requirements of principal contractors, including contract works and cross liabilities.
How Much Does Plant Hire Contractors Insurance Cost?
Your premium will depend on several factors, including:
- Value and type of plant (owned and/or hired-in)
- Nature of your work and construction risk
- Number of employees and site operatives
- Locations where plant is stored or used
- Claims history and cover levels required
- Contractual insurance obligations
At ABA Insurance, we’ll assess your situation and provide a customised quote that reflects your actual risk exposure, not a one-size-fits-all policy.
Why Choose ABA Insurance for Plant Hire Contractors Insurance?
- Specialist knowledge in plant, tools, and construction risk
- Tailored policies for plant owners, hirers, and subcontractors
- Access to leading UK insurers for competitive pricing
- Quick documentation to meet contractual start dates
- Responsive claims handling to keep your business running
- Dedicated advisors who understand the realities of your industry
Client Testimonials
I cannot recommend this company highly enough. I have been a customer since April 2018 and the service I have received is outstanding. The staff are friendly and extremely helpful. Nothing is too much trouble. I would just like to say an extra thank you to Isabella for her customer service and commitment
Chris Baker
CEO/ Founder
Your Questions Answered
How do I know what level of cover I require?
Speak to one of our expects today who can guide you through understanding the levels of cover limits you may require. Call 01474 833 322.
What does Public Liability actually cover?
In short, this covers any damage you cause to any Third Party Property &/or Persons.
What does Professional Indemnity actually cover?
In short, this covers any claim that can come from any losses you may have caused your client or third party caused by the negligence of your professional services & advice you offer.
What is the difference between (BFSC) and (LOSC)?
A Bonafide Subcontractors is a supply and fit contractor that provides their own tools and materials. A Labour Only Subcontractor is pretty much an employee who you pay on a day rate and is under your supervision, direction & control.
What does Contractors All Risk actually cover?
Also referred to as Contract Works, this covers any damage/losses to your works in progress (on going works).
How can I get a quote from you?
Simple call us on 01474 833 322 and one of the team will assist you through a quick and easy experience.
Who do I contact if I have questions?
If you already have a policy with us, you can contact your account manager or alternatively call us on 01474 833 322 and a member of the team will be happy to help.
Why should I choose ABA Insurance?
We are a specialist brokerage within the Construction and engineering industry which means you only deal with a broker that understands your business. We advise on the best insurance solutions to help you in every way possible from advice, claims handling to any questions throughout your policy.
Who will deal with me at renewal?
The same person you delt with at the start. Our team want to make sure they know you and your business inside out. They are dedicated to you from new business all the way through to your renewal.
One Point Of Contact, Countless Ways To Help.
Get a Quote for Plant Hire Contractors Insurance Today
Don’t leave your business exposed. Protect your plant, your people, and your projects with Plant Hire Contractors Insurance from ABA Insurance.