Site Accommodation Hire Insurance
Site accommodation, welfare units and portable toilets, with cover provided on an ‘All Risks’ basis
If you are hiring portable toilets, welfare units, portable staff facilities, fencing, lighting, we can provide equipment hire insurance that helps protect you from liability.
Cover includes Accidental Damage, Fire, Theft or Attempted Theft, Malicious Damage, Flood and Water Damage, plus other perils, and 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 hired site accommodation insurance?
Site accommodation is an important aspect of any building project, designed to make the site safer, more secure and more efficient, and provide essential facilities for workers. As well as site accommodation, welfare units and portable toilets, it can also include fencing, bog mats, signage and lighting.
Just about every construction site has portable office accommodation where the foreman or project manager spends most of their time, overseeing plans, assigning tasks and holding meetings. Other accommodation can include toilets and possibly a staff canteen.
When planning a productive, secure construction site, it’s essential to make sure all vital site accommodation components are fully insured.
If you hire any kind of site accommodation, 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 site accommodation components and provide evidence of this to the hire company.
With a plant hire insurance policy, you will be protecting yourself from your contractual liability and will be ensuring you are compliant with the hire 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 cover for other types of hired heavy machinery?
We can provide cover for a wide range of hired in equipment such as cherry pickers or scissor lifts, as well as some specialist construction items. Your hired in plant insurance cost will depend on whether you are taking out a short term or annual policy, as well as other factors.
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 andtrommels, 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.