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Do You Need Insurance to Hire a Mini Digger?

By Dean Laming on July 21st, 2023

When it comes to hiring plant equipment, such as a mini digger, one of the most common questions that arise is about insurance. Do you need insurance to hire a mini digger? The simple answer is yes, but there’s more to it than just a simple yes or no.

In this article, we will delve into the details of why insurance for mini diggers is necessary, what it covers, and how it can protect you from potential financial losses.

Understanding Plant Hire Insurance

Plant hire insurance, also known as hired-in plant insurance or plant equipment insurance, is crucial for both hire companies and individuals who hire plant equipment like a mini digger. When you hire plant equipment from a rental company, you’re essentially taking on a significant responsibility. The equipment, whether it’s a mini digger or any other type of machinery, is valuable, so any damage or loss that occurs while the equipment is in your possession can lead to significant financial losses.

However, with an insurance policy, you can protect yourself from these potential financial risks. The policy acts as a safety net, covering the costs of repair or replacement in the event of damage or loss. 

But it’s not just about the financial aspect. Having mini digger insurance also gives you peace of mind, allowing you to focus on the task at hand without the constant worry of potential mishaps.

The Importance of Insurance in Mini Digger Hire

In the realm of plant hire, insurance isn’t just a good-to-have; it’s a must-have. The nature of the work involved with plant equipment like mini excavators often involves a certain level of risk. Accidents can happen, equipment can get damaged, and in some cases, plant machinery can even get lost or stolen.

Without insurance, the financial burden of such incidents would fall squarely on the shoulders of the hirer. This could lead to significant out-of-pocket expenses, which can be particularly challenging for small businesses or individuals.

With insurance, however, these potential financial losses are covered, providing a much-needed financial buffer.

What Does Plant Hire Insurance Cover?

When you opt for plant hire insurance, it’s important to understand exactly what’s covered. While the specifics can vary depending on the policy and the insurance provider, most plant hire insurance policies offer a comprehensive range of coverage. This typically includes the cost of repairs or replacement if the hired equipment gets damaged or lost.

In addition, many policies also cover the ongoing hire charges that the construction plant hire association may impose until the damaged equipment is repaired or replaced. This is a crucial aspect of coverage, as it protects you from the financial implications of downtime. 

Some policies may also provide coverage for the loss of keys and the immobilisation of machinery, adding an extra layer of protection.

Key Considerations When Hiring a Mini Digger

Before you sign any hire agreement, it’s crucial to ensure that the hire company has a comprehensive insurance policy in place. This policy should cover any potential damages or losses that could occur while the equipment is in your possession.

In addition to this, you should also check whether the policy covers you as the hirer. Some hire companies may include public liability insurance as part of the hire package, providing a seamless and hassle-free experience. However, others may require you to arrange your own insurance. In such cases, it’s important to ensure that you have adequate coverage to protect yourself from potential financial risks.


In conclusion, insurance is a crucial aspect of hiring a mini digger or any other plant equipment. It protects the hirer from potential financial losses due to damage or loss of the equipment. Therefore, before hiring a mini excavator, ensure that you have adequate insurance coverage.

Shop Plant and Machinery Insurance Today

Brisco Business Insurance is a trusted provider of comprehensive insurance solutions tailored to meet the unique needs of businesses across various sectors. With a deep understanding of the risks and challenges that businesses face, Brisco Business offers a range of policies, including plant hire insurance, equipment insurance, and more.

Our team of experienced professionals is committed to providing personalised service, helping you navigate the complexities of insurance, and ensuring you have the coverage you need to protect your business. Compare quotes today to learn more about getting insurance for mini diggers.

Dean Laming

Dean is a Chartered Insurance Broker with more than 25 years insurance experience. Through various underwriting, operational and management roles, Dean has built up extensive knowledge of how to run a business and is now Managing Director of Brisco Business, part of the wider Henry Seymour Group.

All articles by Dean Laming

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