Cover for critical equipment
It protects construction machines and plant against sudden damage, theft, collision or other risks depending on the policy.
Construction firms and trades
Useful as soon as the business depends on mobile plant, heavy tools or hired equipment on site.
Mobile, hired, owned
Equipment status changes useful cover: ownership, leasing, short hire or provision.
Construction plant diagram
Protect the plant fleet: damage, theft, transport between sites.
- Core Damage and theft Plant down = delayed site
- Base Declared fleet List, values, places of use
Value and place of use change everything.
Why dedicated plant cover?
Site or business property insurance does not always properly cover mobile plant, hired equipment or damage from intensive site use. Machinery/plant cover clarifies values, places of use, transport and wear exclusions.
Cover
What it protects
What to check
Plant damageEquipment fleet
Collision, fall, tip-over, fire or other sudden damage depending on the policy.
Insured value, deductible, maintenance and wear exclusions.
TheftSite and depot
Theft of plant or equipment, sometimes subject to security measures.
Fencing, anti-theft, inventory and parking conditions.
Hire / leasingThird-party equipment
Obligations to the lessor or owner in the event of a claim.
Hire contracts, liability and replacement value.
Common pitfalls
Incomplete inventoryUndeclared plant may remain outside cover.
Hire forgottenLessor conditions sometimes require specific cover.
Wear excludedBreakdown linked to insufficient maintenance is often refused.
Site stoppageUrgent replacement and business interruption must be anticipated.
With Finwise
We protect the equipment that keeps the site moving
We inventory your plant, distinguish owned and hired equipment, and coordinate cover with technical and site insurance.
