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Plant all risks

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

In a nutshell

Plant all risks insurance covers you for the loss of, and damage to, plants and equipment, whether you own it or it’s hired-in. Public liability for plant all risks covers losses and damages caused by your items insured under plant all risks… Whether you own them or they’re hired-in or -out. Road risk liability for plant all risks covers you for any accident that’s caused by, through, or in connection with, the motors listed 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.

Plan 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 for plant all risks
This section covers plants which are insured under plant all risks, including a plant that you own, and a plant 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 for plant all risks
This section covers accidents caused by, through, or in connection with, the motors listed on your policy schedule, as described in this section.