MOBILE ASSETS
Plant, Equipment and Tools Insurance
Protect the gear your crews rely on, from hand tools and trailers to mobile plant and hired-in equipment.
Search intent
Equipment losses can stop work fast
Tools and plant move between sites, vehicles, storage yards and subcontractors. A simple contents policy may not follow them.
For contractors, trades and operators who need cover for tools, plant, equipment and machinery.
Theft from vehicles or sites
Tools stored in utes, trailers and site containers may need specific conditions and security requirements.
Hired-in plant
Hire agreements often push responsibility for loss, damage and continuing hire costs onto the contractor.
Machinery breakdown
A breakdown can create repair costs, hire costs and job delays that standard theft cover does not solve.
Cover structure
Equipment cover sections to review
We separate tools, mobile plant, machinery, vehicles and contract works so each asset sits under the right policy section.
Tools and portable equipment
Hand tools, power tools, laptops, testing equipment and portable gear away from the premises.
Mobile plant
Excavators, loaders, forklifts, scissor lifts and other mobile machinery, subject to insurer terms.
Hired-in equipment
Cover options for hired plant, continuing hire charges and contractual responsibility.
Transit and storage
Movement between worksites, storage yards and vehicles, with security requirements checked.
Who it helps
Businesses with plant and tool exposure
Broker process
How BOK reviews plant and tools
List the assets
We separate owned, leased, financed and hired-in gear, including serialised high-value items.
Map where assets move
We check sites, vehicles, yards, storage and transit to avoid location-based gaps.
Match security conditions
We explain vehicle, site, lockup and proof-of-ownership requirements before a claim happens.
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Open pageFAQs
Common questions about plant, equipment & tools
Are tools covered in my vehicle?
Only if the policy includes that exposure and security conditions are met. We check vehicle storage wording carefully.
Can hired plant be covered?
Often yes, but hire agreements can include continuing hire charges and specific obligations. We review those terms against the policy.
Is mobile plant the same as commercial motor?
No. Some plant may need specialised plant cover, road risk extensions or separate motor treatment depending on registration and use.
With B Ok, you'll be OK
Need this cover reviewed?
Tell us what your business does, what you already have in place and what contracts or assets need protecting. We'll help you compare suitable options.