Do you hire out trucks or equipment? Considering insurance for your dry hire business is the smartest decision you will make for your business. Truck hirers as well as Plant and machinery operators (whether they are your own drivers or not) are exposed to large public liability risks and the potential for loss of very expensive machinery and equipment.

Fire, theft, malicious or accidental damage are risks that could be catastrophe to the smooth-running and viability of your business. Finding suitable plant and equipment insurance that is tailored to your dry hire business and is affordable, comprehensive and tailored to your business needs ought to be a high priority when seeking insurance options.

Elements of a good insurance policy for dry hire businesses

Whether you have one piece of equipment or a fleet of machines for hire, you definitely need a good insurance policy. Here are the elements to look out for when choosing insurance for your dry hire business:

Comprehensive Truck and Equipment cover

A comprehensive cover is an insurance policy that protects your dry hire business from all possible risks including theft, malicious and accidental damage and other cover. You can identify a single policy that covers key risks or you can negotiate for a customised policy that suits your specific business needs. Consulting an insurance provider helps in identifying potential risks and designing an insurance policy that keeps your dry hire business safe.


There are affordable insurance policies for dry hire businesses that are designed to protect your business income when the unforeseeable incident occurs. Access to comprehensive yet affordable insurance policies has been made easier by the internet market. You can search online for a provider offering the best covers that suit your business needs at the lowest rates in the market.

Flexible premiums

When considering options for insurance policies that are available for dry hire businesses, it is important to check on the premiums.  It’s highly recommended that you search for a provider with flexible premiums that give you adequate time to make payments that correlate with the flow of your business income.

Dry Hire business insurance options

Dry Hire Business insurance will not prevent the risks from happening but shields your business from financial impact brought about by the risks. Here are the policy covers available for you:

Public liability insurance

When dry hire business, you may have customers, drivers and suppliers walking about within your business premises. Equipment, tools and other supplies can cause injuries to customer, suppliers and the general public despite the security measures you put in place. This is why you need a public liability insurance policy to cover incurred medical, legal and compensation fees.

Workers compensation

Do you have several employees in your dry hire business? If yes, you definitely need this insurance policy. Employees are susceptible to the possibility of injuries in the workplace whether operating equipment or being exposed to other health risks. This policy covers legal and medical fees while providing compensation if need be.

Sickness and accident policy

This policy covers you – the one who keeps the dry hire business operating. Sickness and debilitating accidents could mean that the income that is required for you and your dependents is no longer possible. This policy protects your income in case of sickness and accidents.

Tools and equipment cover

In order to make a decent income flow, you need well functioning mechanically sound dry hire equipment and other associated equipment. Loss and damage of equipment and tools can easily knock you out of the dry hire business. Protect your equipment by applying for dry hire insurance now.

Frequently Asked Questions


Bluewell Insurance Brokers is an insurance service to assist you in getting instant quotations for a vast number of occupations online.

Not all insurance is able to be quoted online, & in these cases we use one of our highly skilled insurance brokers to determine your requirements and go to the market to get you a price.