Insurance world

Heavy equipment & contract works.

Heavy engineering equipment is a valuable asset and a working tool that cannot sit idle, and a contracting project exposes you to on-site risks for as long as the work runs. We build the cover with you around the machine, the work and your sites.

What this area covers

The machine itself

Cover for the machine according to its type, age and use.

Third-party liability

Cover for damage the machine may cause to property or people, on site and off it.

Operators and staff

Matching the cover to whoever actually operates the machine.

Extensions as needed

Built around the nature of the work and the sites — we talk it through and adapt.

Contract works insurance

Cover for the works or project itself during construction, for property on site and for third-party liability — according to the policy terms.

Who it's for

Contractors and site owners
Contractors before a project starts — including when the client requires contract works insurance
Owners of heavy equipment, owned or rented
Businesses whose machine is their main working tool
Anyone checking that existing cover still matches the actual work

What we look at when building the cover

Machine type, year of manufacture and value
Where the machine works and at what hours
Who is authorised to operate it
Moving the machine between sites
Where the machine is stored at the end of the day
Meeting the client's or tender's requirements
For contract works — the project's scope and duration

General and illustrative only; actual cover is set by the policy terms.

What to check

Whether the machine's value in the policy is current
Whether the actual operators are included in the cover
Whether moving the machine between sites is covered
Whether the cover meets the client's requirements
Exclusions and limits — what the policy does not cover