Machinery Movement Insurance

Coverage for the loss and damage caused to plant and machinery during the transit and installation process across commercial/residential projects; for one-off moves or on an annual basis.

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Introduction

During a construction project, plant and machinery can be more susceptible to losses during transit and movement.

Theft, fire, and damage caused during transit and movement are all common risks and can cause significant interruption to a project if they occur.

Our response

Machinery Movement Insurance

Our Machinery Movement element of cover provides coverage for the loss and damage caused to plant and machinery during the transit and installation process, across commercial/residential projects.

Principally targeted at haulage contractors and manufacturers, our element of cover is also relevant to businesses that move and re-site machinery on a regular basis.

Our Machinery Movement coverage provides:

cover for one-off moves or an annual basis
cover for machinery dismantling, loading, transit, unloading, erection, positioning, re-siting and taking out operations

Broker/agent trading options

E-trade

Non e-trade

Delegated authority/reinsurance solutions

We can provide our partners with innovative, all-encompassing construction solutions.

If you’re looking to provide specialist cover as part of your commercial proposition, contact our Partnerships Team.

HSB Knowledge Squad Podcast

Construction theft: contractors' small tools and equipment

HSB's John Nicholls, Construction Product Leader, and Jamie Talbot, Underwriting Manager, explore the rising impact of small tools and equipment theft in the construction industry, how they affect construction customers’ bottom line and, what preventative measures and industry best practices they can take or follow to mitigate the risk of theft.

Stream via: Apple Music | Spotify | YouTube | YouTube Music | Web browser

Listen now

Industry report

2025 UK construction trends

Our report explores key trends influencing the UK construction market.

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We're proud to support:

Agriculture and Construction Equipment (ACE), and The National Construction and Agricultural Theft Team (NCATT); specialist police units targeting equipment theft from agricultural and construction sites.

ACE NCATT

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Why machinery movement insurance from HSB?

Our underwriters and risk engineers have extensive experience in providing construction insurance and are recognised as experts in this field. Drawing on our vast expertise in the construction sector, we are able to provide insurance products to meet the insurable risks of a specific project.

Policy wordings specifically designed with contractors, property developers and construction plant owners in mind
Extensive underwriting expertise
Specialist engineering knowledge of plant and machinery
Cover available across the UK and Ireland
Access to experienced in-house construction loss control risk engineers
Access to claims handlers and loss adjusters with specialist knowledge of the construction industry

Leading specialist provider of engineering and technology insurance and inspection services in the UK and Ireland
UK-based arm of HSB Group, the equipment breakdown insurance and inspection market leader since 1866
Part of Munich Re, a world leader in risk solutions, consistent risk management and financial stability
Financially strong and stable – rated A++ (Superior) by A.M. Best Company
A member of the Institute of Customer Service, demonstrating our commitment to continually improving customer service performance and professionalism

HSB is committed to providing a superior customer experience through our specialist claims service

HSB Claims Team

Claims examples

Example Losses:

HSB Construction Insurance in action

Damage caused to a trailer and excavator whilst in transit

£18,000

Claim

A hired-in trailer and excavator collided with a third party driver’s vehicle whilst in transit. Our loss adjusters declared the trailer beyond economical to repair and, taking into consideration the ongoing hire charges as well as repair costs, the same was decided for the excavator. The claim was settled directly to the hire company.

Printing press damaged during transit

£135,000

Claim

During the unloading of a five-colour lithographic offset printing press from a container lorry, the lifting frame slipped and allowed the printing press to fall 2.5m to the floor. Several machined surfaces within the press suffered significant damage, requiring the press to be returned to the manufacturer in Japan for repair.

Damage caused to a crane whilst in transit

£29,000

Claim

A crane was being driven along a road when one of its tyres picked up a piece of debris which was then propelled into the vehicle's oil pipe, causing a crack. Oil began to escape through the cracked pipe, starving the transmission transfer box of oil and causing it to seize. This resulted in extensive damage to the gearing and bearings of the transmission transfer box.

Product documentation

Brochures: Standard

Brochures: E-Trade

Our construction e-trade products are also accessible to brokers online via HSB Fast Track and Acturis; making it quick and easy to quote and bind cover, process mid-term adjustments and obtain renewal terms.