Zakelijk • Verkeer • Work equipment insurance
Work equipment insurance – insure mobile equipment against damage, theft and liability
Work equipment such as a Excavator, Shovel, Forklift, Cherry-picker or Telehandler vertegenwoordigt vaak een hoge Value en is essentieel voor uw productie of projectplanning. Met een Work equipment insurance insure the equipment against risks such as: Injury, fire and theft and – depending on the policy – you can too Liability co-insure. (policy dependent)
Finass Insures vergelijkt meerdere verzekeraars en stemt dekking en voorwaarden af op uw type materieel, gebruik (bouwplaats/terrein/bedrijfslocatie), transport, stalling en beveiliging. U ontvangt een helder voorstel met sterke value for money.
Insuring work equipment in brief
A Work equipment insurance (also called insurance for mobile tools) is bedoeld om onverwachte kosten te beperken door schade, brand of diefstal aan uw materieel. Afhankelijk van polis en type materieel kan ook aansprakelijkheid en/of transport worden meegenomen. (policy dependent)
What should you pay attention to?
- Value: new value, current value or appraised value (depending on the policy).
- Usage: own use, borrowing, rental or subcontracting (depending on the situation).
- Security: GPS/track & trace, immobilizer, lockable storage (policy dependent).
- Attachments: bucket, grab, forks, hydraulic tools and accessories (policy dependent).
What is work equipment insurance?
Definition
A Work equipment insurance is een verzekering voor (mobiele) werktuigen en machines die u inzet in uw bedrijfsvoering. Denk aan bouw- en landbouwachtige toepassingen, Internal transport (heftruck) of hoogwerkers. De verzekering richt zich op material damage, fire, theft and in some cases Liability. (policy dependent)
When is this relevant?
- you work with expensive machines that are on location or moved;
- you transport work equipment between projects;
- you want to cover theft and vandalism risks;
- you want to limit damage to third parties due to the use of equipment (depending on the policy).
Let op: of een werktuig onder “Traffic” valt of onder een andere rubriek kan per voertuig/gebruik verschillen. Wij helpen u met de juiste indeling en dekking.
Who is work equipment insurance suitable for?
Construction & infrastructure
- excavators, shovels, vibrating plates, compactors;
- machines on varying construction sites;
- high risk of theft and damage on projects.
Logistics & industry
- forklifts, reach trucks, internal transport equipment;
- work in a warehouse or on an outdoor area;
- damage due to collision/impact (policy dependent).
Facilities & rental (situation-dependent)
- aerial work platforms, telehandlers, small machines;
- equipment that is loaned or rented;
- additional clauses and prevention requirements possible.
Work equipment insurance coverage
Hieronder de meest voorkomende dekkingsonderdelen op hoofdlijnen. Exacte dekking, limieten en eigen risico hangen af van verzekeraar, type materieel en polis. (policy dependent)
Material damage (hull)
- damage due to collision, fall over or operator error (depending on policy);
- damage during work on location (depending on the policy);
- damage to attachments and accessories (policy dependent).
Fire, lightning & explosion
- fire damage to machine and parts;
- extinguishing and clearing costs (depending on the policy);
- pay attention to maintenance/inspections for claims.
Theft & vandalism
- theft of the equipment (depending on the policy);
- burglary damage to cabin or hoods;
- prevention requirements can be decisive.
Liability with work equipment (policy dependent)
Schade aan derden door gebruik van Work equipment kan onder een aansprakelijkheidsdekking vallen. Afbakening tussen AVB, verkeer en werkmaterieelpolis verschilt per situatie. Wij zorgen dat dit vooraf logisch en sluitend is ingericht.
Transport, storage & extra costs (policy dependent)
Verplaatsing tussen projecten kan extra risico geven. Afhankelijk van polis kunnen kosten voor transport, berging, stalling of noodreparatie (deels) meeverzekerd zijn. Wij controleren de Conditions en praktische procedure.
What is often not or only partially insured?
- wear and tear, deferred maintenance and gradual damage;
- construction or manufacturing defects (sometimes via warranty/supplier);
- intent/recklessness or use outside the agreed use;
- theft without compliance with security/storage requirements (policy dependent).
We make exclusions and points of interest clear in advance.
What types of work equipment are often insured?
Earthmoving
- excavators (mini/midi/track);
- shovels and wheel loaders;
- dumpers and mini dumpers.
Internal transport
- forklifts and reach trucks;
- pallet trucks (electric) (situation-dependent);
- terminal tractors (situation-dependent).
Access & height
- aerial work platforms (scissor/arm);
- telehandlers/telehandlers;
- construction lifts (situation-dependent).
Attachments, tools and accessories
Denk aan bakken, grijpers, hamers, vorkenborden, rijplaten, hydraulische tools, extra accu’s of specifieke opbouw. Dit kan grote invloed hebben op de Value en de acceptatie. Wij nemen dit vooraf mee zodat het co-insured is (policy dependent).
Typical risks with work equipment
Damage at project location
- collision with objects or vehicles;
- falling over/sagging on soft surfaces;
- operating errors or impact damage.
Theft outside working hours
- construction sites are popular targets;
- also theft of attachments/parts;
- prevention and storage are crucial.
Fire and technical incidents
- diesel/electric: fire risk and malfunctions;
- inspections and maintenance influence claim discussions;
- damage can lead to standstill and delay.
Conditions & prevention: this way your work equipment remains well insured
Reporting obligation and correct description
- brand/type, serial number and (appraisal) value;
- use (own, borrowed, rental) and locations;
- mode of transport and storage (construction site/site/shed);
- Report changes in construction or accessories in a timely manner.
Incorrect reporting or failure to report may have consequences for coverage and benefits.
Prevention requirements that often apply (policy dependent)
- lockable storage or fencing/site security;
- key management and registration;
- GPS/track & trace or immobilizer at higher values;
- periodic maintenance and inspection/testing where relevant.
How much does work equipment insurance cost?
De premie hangt af van waarde, type materieel, inzet, preventie, eigen risico en eventuele uitbreidingen. Onderstaande factoren zijn indicatief; tarief en voorwaarden zijn verzekeraar- en policy dependent.
Material & value
- new value/current value/appraisal;
- brand/type, age and maintenance;
- attachments and accessories.
Use & location
- construction site, site or warehouse;
- frequent transportation between projects;
- theft risk per region.
Policy choices
- coverage (casco/fire/theft) (policy dependent);
- deductible and clauses;
- security requirements and evidence.
Information that we usually need for a quotation
| Element | Examples | Why this is important |
|---|---|---|
| Equipment | make/type, serial number, year of manufacture | Acceptance and correct description on policy. |
| Value | new value/current value/appraisal | Prevents underinsurance and discussions in the event of a total loss. |
| Usage | own use, borrowed, rental (depending on the situation) | Conditions vary per deployment and owner/renter. |
| Location & storage | construction site, private property, shed, lockable | Theft risk and prevention requirements. |
| Security | GPS/track & trace, immobilizer, key management | Can determine acceptance and premium. |
| Wishes | coverage, deductible, attachments/accessories | Makes the policy appropriate and complete. |
Request a quote for work equipment insurance
Premiums and conditions always depend on the insurer and policy.
Reporting damage to work equipment: this is how it works
Step-by-step plan in case of damage
- Securing: prevent consequential damage and make the location safe.
- Document: photos, date/time, cause, people involved.
- Report quickly: timely reporting prevents discussion about exacerbation.
- Repair/expertise: follow the recovery route (policy dependent).
- Administration: invoices, maintenance information, any witnesses/reports.
We provide support with coverage, evidence and coordination with the insurer.
In case of theft or vandalism
- file a report immediately and note down the report number;
- provide key(s) and security information (policy dependent);
- check compliance with prevention requirements (storage/track & trace).
We help you to deliver the claim “claim-proof”.
Additional insurance that often applies to work equipment
Corporate Liability (AVB)
For liability of your company in case of damage to third parties. Demarcation with work equipment policy is situation and policy dependent.
Construction/assembly insurance
For projects where construction/assembly risks and project coverage are relevant (policy dependent).
Transport/goods
Separate sections are often required for goods or materials during transport or storage (depending on the policy).
Frequently asked questions about work equipment insurance
What is work equipment insurance?
Een Work equipment insurance is een verzekering voor mobiele werktuigen en machines zoals graafmachines, shovels, heftrucks en hoogwerkers. Deze verzekering kan dekking bieden voor schade, brand en diefstal en soms voor aansprakelijkheid (polisafhankelijk).
Is theft of work equipment insured?
Theft may be co-insured, but this is policy dependent en gaat vaak samen met preventie-eisen zoals afsluitbare stalling, sleutelbeheer en/or GPS/track & trace bij hogere waarden.
Are attachments and accessories included in the insurance?
Dit is policy dependent. Denk aan bakken, grijpers, vorken, hydraulische tools of speciale opbouw. Geef deze onderdelen vooraf op om dekking en verzekerde som goed te regelen.
Is damage caused by operating errors or falling over covered?
Vaak valt dit onder cascodekking/materieelschade, maar voorwaarden en eigen risico verschillen per verzekeraar. Wij controleren de exacte omschrijving van "eigen schade" en de uitsluitingen (policy dependent).
Is transport of work equipment between projects insured?
Sometimes (partly) and sometimes not; this is policy dependent. Transport kan specifieke Conditions hebben. Wij brengen dit vooraf in kaart zodat u weet wat wel/niet gedekt is.
What information do I need for a quote?
Meestal: make/type, serial number, year of manufacture, waarde (nieuwwaarde/dagwaarde/taxatie), gebruik (eigen/verhuur), stallinglocatie en beveiliging, plus opzetstukken/accessoires en gewenste dekking/eigen risico.
Can I insure multiple machines in one policy?
A portfolio or collective document is often possible. This can be more efficient in management and claims handling (depending on the policy).
Insuring work equipment? Request a no-obligation quote
Do you want your mobile tools goed en scherp geprijsd verzekeren tegen schade, brand en diefstal? Finass Insures helpt u met een tailor-made work equipment insurance, tailored to your equipment, deployment, transport and prevention.
Request a quote for work equipment insurance
Would you prefer direct personal contact? Call 072 – 509 24 56 or email to info@finass.nl.
