Machina plant and equipment facility

Cover that keeps your construction projects moving

Plant and equipment are central to modern construction projects, with contractors managing increasingly complex and high-value assets across multiple sites and programmes.

Marsh Risk’s Machina plant and equipment facility is a specialist solution for UK contractors, designed to reflect these practical realities. It brings together Marsh’s market-leading policy wording, competitive pricing, a pre-agreed rating structure, and a dedicated claims approach through one insurer, Allianz.

Machina provides flexible cover for contractors’ plant and equipment, supporting both standalone placements and annual construction programmes. Capacity is tailored to the scale and scope of each placement.

Broad and flexible coverage

The facility is designed to accommodate a broad range of contractors’ plant and equipment, excluding underground machinery such as tunnel boring machines. It can support both individual placements and annual construction programmes across different sectors and project sizes.

Clear claims support and rewards

Machina includes a defined claims protocol to help provide a clear and coordinated response when losses occur. Contractors may also benefit from a low claims rebate, recognising effective risk management and positive claims performance, subject to the applicable terms.

Frequently asked questions

Plant and equipment insurance helps construction businesses protect the machinery and equipment they rely on for day-to-day operations. This may include the plant, the machinery inside it, and other specialised equipment used across construction sites.

Machina is designed to support contractors with flexible plant insurance and machinery insurance arrangements. It can provide a structured solution for a single project or an annual policy covering an ongoing programme of work.

The scope of plant insurance cover depends on the policy terms, the equipment insured, and the contractor’s specific needs. The cover may help protect eligible plant and equipment against accidental damage, theft, malicious damage, fire, and damage caused by weather.

Examples of equipment may include mini diggers, cherry pickers, concrete mixers, and other essential machinery as well as owned or hired temporary welfare units. The policy can be tailored to the type, value, and use of the plant equipment being insured.

Machina can support owned plant insurance for equipment that contractors own, as well as arrangements involving hired in plant. This may be relevant where contractors regularly hire equipment or operate under a hire contract.

Hired in plant insurance can help address the insurance requirements associated with hired plant, including potential continuing hire charges following an insured loss, subject to the policy terms. Cover for owned plant and hired equipment can be considered as part of the same placement where appropriate.

Plant and machinery insurance can be particularly relevant for contractors operating in the construction sector, where equipment is often used across multiple projects, sites, and locations. It can help provide protection for a broad range of eligible assets that are essential to construction operations.

The facility is intended for UK contractors and can support businesses with projects of different sizes and unique requirements. It does not cover underground machinery, such as tunnel boring machines.

The plant insurance cost and overall premium can depend on several factors, including the value and type of machinery, where it is used, its security arrangements, the claims history of the business, and the level of cover required. Own plant will typically be rated based upon the value of the plant and hired in plant upon estimated hiring charges during the period of insurance.

Machina uses a pre-agreed rating matrix to support clear and consistent pricing. This can help contractors understand the likely cost of cover and make more informed decisions about their insurance arrangements.

Cover may be available for eligible equipment while it is on site, in transit, or stored at other approved locations, subject to the policy wording and applicable territorial limits. Contractors should discuss where equipment will be used, stored, and transported when arranging their policy.

Contact Marsh Risk to discuss the plant and equipment you need to protect, whether it is owned or hired, and the type of work your company carries out. As experienced insurance brokers, we can help identify a cost-effective solution for your business.

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Article

Machina plant and equipment facility

Plant and equipment are central to modern construction projects, with contractors managing increasingly complex and high-value assets across multiple sites and programmes.

How Machina works and can help you

Competitive, transparent pricing

Broad and flexible coverage

A simpler placement process

Clear claims support and rewards

Frequently asked questions

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Contract Risk Management 2026

Machina plant and equipment facility

Plant and equipment are central to modern construction projects, with contractors managing increasingly complex and high-value assets across multiple sites and programmes.

How Machina works and can help you

Competitive, transparent pricing

Broad and flexible coverage

A simpler placement process

Clear claims support and rewards