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Plant all risk

Operational plant, machinery and equipment are critical... We totally get that

In a nutshell

Plant all risk insurance covers you for the loss of, and damage to, plant and equipment, whether you own it or it’s hired-in. Public liability for plant all risk covers losses and damages caused by your insured plant all risk items, whether you own them, or whether they’re hired-in or -out. Road risk liability for plant all risk covers you for any accident that’s caused by, through, or in connection with, the vehicles stated on your policy schedule.

Material loss or damage to your own plant and equipment
This section covers the loss of, or damage to, the insured items stated on your policy schedule, which happens during the period of insurance and within the territorial limits, provided that the cause of the loss or damage isn't specifically excluded.

Hire-in costs following the loss of, or damage to, items insured under ‘Material loss or damage to your own plant and equipment' and ‘Plant hired-in during the normal course of business'
This section covers costs incurred during the period of insurance for hiring-in a similar substitute plant and equipment, of equal performance and capacity, after the loss of, or damage to, the insured items stated on your policy schedule or insured under ‘Material loss or damage to your own plant and equipment' and ‘Plant hired-in during the normal course of business'.

Legal liability for material damage, and continuing hire charges:

  • Plant hired-in during the normal course of business
    This section covers your legal liability under the terms of the hiring agreement you've entered into to pay compensation for the loss of, or damage to, hired-in items, subject to the limits, terms, conditions and exceptions of this insurance.
  • Plant hired-in following insured loss or damage under ‘Material loss or damage to your own plant and equipment’
    This section covers your legal liability under the terms of the hiring agreement you've entered into to pay continuing hire charges after the loss of, or damage to, hired-in items insured under ‘Plant hired-in during the normal course of business'.

This section also covers the legal expenses for which you're liable in cases where proceedings against you are defended with our written permission.

Public liability
This section covers plant insured under plant all risk, including a plant that you own, or that’s hired-in and -out. If your items insured under plant all risk are hired-in, losses arising from defects aren't covered, but if they're hired-out, they're covered for defects.

Road risk liability
This section covers accidents caused by, through, or in connection with, the vehicles listed on your policy schedule, as described in this section.