Contract Works Insurance is primarily designed to cover the works under construction, but protection for tools and equipment can be added depending on your needs. It is important to understand how different types of equipment are treated under these policies.
Tools and small equipment #
Cover for tools is not usually included automatically in a Contract Works policy, but it can often be added as an optional extra. This may include hand tools, power tools, and other portable equipment used on-site.
If you regularly move your tools between sites or store them in vehicles, there may also be other options worth considering, such as a General Property policy, which can provide more flexible protection for mobile assets.
Unregistered plant and equipment #
Items such as generators, compressors, lighting towers or trailers that are not registered for road use may be covered under a Contract Works policy if added as an optional section. This protects against damage or theft of these items.
Registered plant and vehicles #
Contract Works Insurance does not cover registered items, such as vehicles, excavators, or plant that require registration for use on public roads or job sites. These must be insured separately under:
- A Plant and Equipment Insurance policy, or
- A Commercial Motor Insurance policy, depending on the item and how it is used.
At Webber Insurance, we will guide you through the available options to make sure your tools and equipment are properly protected, both on and off the job site.
If you would like to review your current cover or explore your options, contact our team.
