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Insurance for Plant & Machinery Contractors
Tailored Insurance for Irish Contractors
At ERM Financial Services, we understand the unique challenges faced by plant and machinery contractors. With over 30 years of experience in the Irish insurance market, we offer tailored solutions to protect your equipment, projects, and business operations.
Insurance for Plant & Machinery Contractors
Recommended Insurance for Plant & Machinery Contractors
We build layered protection to reflect your actual risk — whether you’re operating plant or advising others on it.
Contractors All Risks (CAR) Insurance
Covers physical loss or damage to works, materials, and equipment on site, including temporary structures. This is first-party cover — it protects your own project-related assets.
Plant & Machinery Insurance
Cover for owned and hired-in equipment, including excavators, dumpers, and specialist plant. Hired-in cover also protects your legal liability to the plant owner.
Public Liability Insurance
Protects against third-party claims for injury or property damage caused by your operations.
Employers’ Liability Insurance
Provides cover if employees are injured or made ill in the course of their work for you. Strongly recommended for all firms with staff or subcontractors.
We Cover the Full Range of Plant & Machinery Contractors
With policies that are tailored for:
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Equipment Supply Contractors
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Plant Hire Contractors
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Plant Installation Contractors
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Maintenance and Service Contractors
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Mechanical Contractors
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Electrical Contractors
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Hydraulic and Pneumatic Contractors
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Heavy Equipment Repair Contractors
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Steel Fabrication Contractors
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Plant Dismantling & Relocation Contractors
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Calibration & Testing Contractors
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Safety & Compliance Contractors
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Plant & Machinery Consultants
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Crane & Hoisting Contractors
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Construction Machinery Contractors
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Mining Equipment Contractors
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Power Plant Contractors
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Agricultural Machinery Contractors
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Industrial Equipment Contractors
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Forklift & Material Handling Contractors
Why Choose ERM Financial Services?
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Construction & Engineering Expertise – We specialise in risk protection for contracting and civil works
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Tailored Insurance Solutions – Cover structured around your actual operations, not generic packages
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Dedicated Adviser Support – You’ll have direct access to experienced professionals who understand the contracting sector
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Regulatory Compliance – We ensure your cover meets Irish contractual, health & safety, and insurance standards
Frequently Asked Questions (FAQs)
1. What is Contractors All Risks (CAR) Insurance?
CAR Insurance provides comprehensive coverage for construction projects, including damage to the works, materials, and equipment on-site. It also covers third-party claims arising from construction activities.
2. Do I need separate coverage for hired-in plant?
Yes. You are usually contractually liable for any loss or damage to plant you hire. Hired-in plant cover protects your liability to the rental company.
3. Is public liability insurance mandatory?
While not legally required, public liability insurance is highly recommended. It protects your business from claims made by third parties for injuries or property damage caused by your operations.
4. How does employer's liability insurance benefit my business?
Employer’s liability insurance covers claims from employees who suffer work-related injuries or illnesses, ensuring compliance with Irish law and financial protection for your business.
5. Can I bundle multiple coverages into one policy?
Absolutely. ERM Financial Services offers package policies that combine various coverages, providing comprehensive protection and potential cost savings.
6. Is ERM Financial Services regulated?
Yes. ERM Financial Services is regulated by the Central Bank of Ireland.
Get the Right Cover — With the Right Advice
We’ll help you protect your contracting business with insurance that’s built for how you actually work.