Own Plant cover

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Protect the equipment that keeps your business running smoothly with Own Plant Insurance as an optional add-on to your Public Liability policy starting from just £14.92 a month*
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What is Own Plant Insurance?

Own Plant insurance is an optional add-on to your Public Liability policy. Own plant insurance is designed for UK tradespeople and contractors and provides cover for equipment such as construction plant machinery and temporary buildings.

Our flexible cover levels—£10k, £25k, and £50k—let you choose the protection that best fits your business.

What does Own Plant Insurance cover?

Own Plant Cover protects the construction plant, machinery, and equipment you own—whether it’s on-site, in transit, or in storage. If your gear is damaged, stolen, or destroyed by fire or vandalism, we’ll help cover the cost to repair or replace it, so you can keep your projects moving without the stress.

What’s included?
  • We cover damage, theft and attempted theft to constructional plant and equipment.
  • We cover theft from off-site storage, as long as equipment is kept in a securely locked or guarded location.
  • We cover up to £1,000 damage to security devices.
  • We provide up to £1,000 protection against loss of keys.
What’s not included?
  • Mechanical or electrical breakdowns that aren’t caused by external damage.
  • Losses only discovered during stock checks or routine inventory.
  • Wear and tear, rust, or other gradual deterioration over time.

This content has been created for general information purposes. To ensure you have the correct level of insurance please see our full policy wording.

Download full policy wording
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Insurance built around the needs of the UK’s small businesses

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Flexible cover

Adjust your cover at anytime, without admin fees. As your business grows or changes, you can easily update your cover to match your needs.

No hidden fees

Pay how it suits you, monthly or annually. Plus no cancellation fees.

Simple claims process

Submit a claim online or give us a call. We'll handle the hard part, so you can get back to work, knowing your business is in safe hands.

Top-rated customer support

No long phone queues. No confusing jargon. Our South Wales-based team is dedicated to supporting you and is ready to answer any questions.

Who Needs Own Plant Insurance?

Almost every business should consider public liability insurance. Whether you’re a contractor working on third-party properties or a small business owner dealing with customers, it protects against unexpected claims.
Some key sectors that benefit from public liability insurance include:


  • Tradespeople
  • Freelancers
  • Consultants
  • Couriers

Without liability insurance, even minor incidents, like damaging a client’s property, could lead to costly claims and legal fees, putting your business at financial risk. Protect your livelihood and reputation with the right coverage for your needs.

Own Plant Insurance is ideal for tradespeople and small business owners who invest in their own plant and machinery. Whether you’re in construction, plumbing, electrical work, or another field requiring plant machinery and equipment, protecting your assets is key to protecting your business.

Why Is Own Plant Insurance Important?

Almost every business should consider public liability insurance. Whether you’re a contractor working on third-party properties or a small business owner dealing with customers, it protects against unexpected claims.
Some key sectors that benefit from public liability insurance include:


  • Tradespeople
  • Freelancers
  • Consultants
  • Couriers

Without liability insurance, even minor incidents, like damaging a client’s property, could lead to costly claims and legal fees, putting your business at financial risk. Protect your livelihood and reputation with the right coverage for your needs.

Owning machinery can come with risks like theft, damage, and severe weather impact, all of which could set your business back if you’re left to replace equipment.

With Admiral Business’ Own Plant Insurance, you’re covered for incidents that could otherwise put operations on hold, helping you keep projects on track. Admiral Business’ Own Plant insurance minimises downtime and helps keep your business running smoothly after incidents.

If you hire, not own, your equipment, consider our Hired-In Plant Insurance as a better fit for your needs.

Why Choose Admiral for Plant & Machinery Insurance?

Almost every business should consider public liability insurance. Whether you’re a contractor working on third-party properties or a small business owner dealing with customers, it protects against unexpected claims.
Some key sectors that benefit from public liability insurance include:


  • Tradespeople
  • Freelancers
  • Consultants
  • Couriers

Without liability insurance, even minor incidents, like damaging a client’s property, could lead to costly claims and legal fees, putting your business at financial risk. Protect your livelihood and reputation with the right coverage for your needs.

Admiral Business makes it easy to get the protection you need, with flexible options for adding plant insurance to Public Liability Insurance. There are no extra charges for paying monthly, and our simple quote process can be completed online in minutes.

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Own Plant FAQs

*Price based on tradespeople with no claims, a minimum of 4 years’ experience in their trade and a sum insured of £10k. Your quote will be personalised to your requirements and will reflect the risks you need to be covered against. The price is correct as of 29 November 2024.