Lighting Tower Hire Insurance
We can provide insurance for hiring out equipment on an ‘all risks’ basis including accidental damage, fire, theft or attempted theft, malicious damage, flood and water damage, plus other perils.
When you take out a plant insurance policy, cover is provided on a full reinstatement basis for equipment that is under 24 months old, with indemnity cover for older items. The equipment is covered anywhere in the UK, whether on your own premises, in transit or on site.
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Why do I need equipment hire insurance for a lighting tower?
With insurance for hiring out equipment, you will be protecting yourself from your contractual liability and will be ensuring you are compliant with the lighting tower’s hire contract.
Lighting towers provide one of the most important health and safety measures where work is completed at nighttime, enabling workers to carry out their work with maximum visibility and work safely. If workers are handling equipment, moving vehicles and following procedures, it’s essential they have reliable visibility to ensure safe actions.
Lighting towers vary from heavy trailers to portable cart bases, depending on the nature of the site and project. Heavy trailers are powered by large engines and are more stable, better suited for tough environments where they won’t require frequent transport. Towers with smaller portable bases tend to be powered by lighter weight solar batteries that are suitable for smaller construction sites. Low energy LED lights are becoming increasingly popular as they require less power.
If you hire a lighting tower, you will often be responsible for loss or damage to the equipment during the hire period. Accidental damage, fire, and theft are tangible risks that can occur at any time. Furthermore, it is usually a contractual requirement to arrange insurance for the hired in lighting tower and provide evidence of this to the hire company. If your insurance does not cover hired in equipment, then getting a hired in plant insurance UK policy is essential to ensure you are compliant with your contract.
Should the worst happen, you can claim up to £100,000 in repair or replacement costs, and if you are responsible for paying continuing hire charges until the machine is repaired or replaced then that cover is included within our short term hire policy up to a limit of £5,000.
Do you provide insurance for other machinery?
We can provide a wide range of insurance for hiring out equipment such as diggers and compactors, as well as some specialist construction items.
We can also provide equipment hire insurance for site infrastructure on your building site. We are unable to provide cover for heavy machinery used for non-construction type roles. Examples include:
- All-terrain vehicles
- Processing machinery
- Site surveying equipment
- Unattended aerial vehicles (also known as drones)
- Road surfacing sprayers and paver
- Lorry mounted sweepers
- Drilling rigs
- Vehicle mounted concrete mixers
- Concrete pumps
Note: the definition of processing machinery is: plant used to perform mechanical or chemical operations on any material in order to change or preserve it including but not limited to bailers, compactors, crushers, harvesters, picking stations, shears, shredders, trommels, and washing plant. Such operations shall include but not be limited to baling, compacting, crushing and washing, granulating, grinding, harvesting, pulverising, screening, shredding.
If you wish to obtain a quote in respect of an excluded item, then please contact the insurance4plant team, and we shall be happy to provide you with a bespoke quotation.
The claims process?
Settling a claim is a quick and straightforward process if you come prepared. As soon as the incident happens you should notify us as well as the hire firm.
You will need to provide policy details, including the policy number and details of the hire. Then provide us with a claim form and as much detail and evidence about the incident as possible.
If theft is involved, you will need to submit a police report and crime reference number as essential evidence. You may also need to provide evidence of the continuing hire charges charged by the hire company following the loss of the equipment.