Plant, Equipment & Machinery Insurance

Plant, Equipment & Machinery Insurance covers the equipment your business relies on to operate, against accidental damage, breakdown, and loss. We arrange insurance scaled to the value and type of equipment you use.

Plant, Equipment & Machinery Insurance Covers the Tools of Your Trade

Plant, Equipment & Machinery Insurance covers the equipment your business owns or hires, against loss or damage from events like fire, impact, breakdown, and theft. It applies to fixed and portable equipment, from production-line machinery to specialist tools.

Cover can be structured around the equipment's replacement value or an agreed value, and can extend to include hired-in equipment or business interruption following a major equipment loss. We help you settle on the right basis so your equipment is properly protected.

Which Sectors Often Need Plant, Equipment & Machinery Insurance

These are the sectors where Plant, Equipment & Machinery Insurance is typically a core requirement — not on the list? Get in touch and we'll talk through what you need.

Click on a sector to learn more about other insurances that may be needed to protect your business.

• Construction & Infrastructure

• Mining & Resources

• Energy & Utilities

• Manufacturing

• Transport & Logistics

• Food & Beverage

• Agriculture & Primary Production

• Community & Social Services

• Trade & Subcontractor Services

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What You'll Need for a Plant, Equipment & Machinery Insurance Quote

We'll talk you through it so that you get the insurance you need for your situation

Equipment List

A list of the plant, equipment, or machinery you want insured, including make, model, and age.

Location & Use

Where the equipment is used and stored, and whether it moves between sites.

Replacement Values

The replacement value of each item, or how much you want to be insured for in the event of a total loss.

Claims History

The details of any claims made in the past 3-5 years.

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How Plant, Equipment & Machinery Insurance Differs From Related Products

Plant, Equipment & Machinery vs. Plant & Machinery (Mobile)

Plant, Equipment & Machinery typically covers fixed or site-based equipment. Plant & Machinery (Mobile) is structured for mobile plant that moves between sites or operates on public roads, which carries different risks.

Plant, Equipment & Machinery vs. Commercial Property

Plant, Equipment & Machinery covers the equipment itself, wherever it's located or however it moves. Commercial Property covers the building and fixed contents at a specific address.

Plant, Equipment & Machinery vs. Tools & Plant (Portable)

Plant, Equipment & Machinery generally covers larger, higher-value equipment. Tools & Plant (Portable) covers smaller tools and equipment carried in a vehicle or on-site, often with different security and theft considerations.

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