The units
Damage to generators, light towers, trailers and distribution equipment.
Generator And Light Tower Insurance
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Generator And Light Tower Insurance
Cover for generators, light towers and portable power on site.
Generators and light towers are left unattended on sites overnight more than almost any other plant, which makes theft and vandalism the dominant exposure.
What is it?
Portable generators, light towers and power distribution units support construction, events and remote work, from makers such as Atlas Copco, Allight, Genelite and Kubota-powered units. They are frequently hired out and often moved daily.
What does generator and light tower insurance cover?
Theft and vandalism
Loss from unattended sites, which is the leading claim for this class.
Liability
Third-party claims arising from the equipment, including electrical incidents.
What affects the cost?
- Unit values and fleet size
- Where units are left overnight
- Whether units are hired out
- Site security and lighting
- Trailer and tow security
Worth raising on the call
- Overnight theft conditions are the critical wording for this class.
- Fuel theft and tank damage is common and worth raising.
- Hired-out units need the hire arrangement declared.
Claims we are commonly asked about
Light tower taken over a long weekend
A trailer-mounted light tower left at a roadworks site disappears overnight, towed away behind a ute. These losses cluster around long weekends and shutdown periods when nobody attends the site for several days.
Fuel siphoned and tank damaged
Site generators are drained repeatedly and the tank or filler cap is cut or drilled to get at the diesel. The fuel itself is often the smaller loss next to the tank repair and the shutdown when a unit runs dry mid-shift.
Light tower blown over in a storm
A mast left elevated overnight comes down in a squall onto a fence, a site shed or a parked vehicle. Both the unit and the third-party property are damaged, and whether the mast should have been lowered usually becomes the question.
Worth confirming in the wording
- Worth confirming whether theft from an open or unfenced site, as distinct from a locked compound, is covered and what security the wording expects.
- Worth confirming whether flood, storm and water damage to units standing at ground level on a site is included.
- Worth confirming whether liability arising from the power you supply, including damage to equipment connected to your generator, sits inside the liability section.
Common questions
Are my units covered while they are out on hire to a customer?
Hiring units out is generally treated as a different arrangement to using them yourself, and it usually needs to be declared. Some wordings cover units on hire subject to conditions about the hire agreement and the hirer's own cover. It is worth having this described accurately rather than discovered at claim time.
Do site trailers need registration or separate cover?
Trailer-mounted units that travel on public roads generally need registration under state rules, while units that stay on site may not. Either way the trailer is usually scheduled along with the generator or light tower it carries. Confirm the registration position with your state road authority for the units that travel.
Is fuel stolen from the tank covered?
Physical damage to the tank, cap or lines from a break-in is generally addressed by the material damage section, while the fuel itself is often subject to a small limit or treated differently. Repeat fuel theft can also affect renewal terms. It is worth raising fuel losses specifically rather than assuming they follow the equipment cover.
What does generator and light tower insurance cost?
It depends on unit values and fleet size, where units are left overnight, whether they are hired out, site security and lighting, trailer and tow security, the excess and claims history. Fleets kept in a locked yard between jobs generally present differently to units that live on open sites.
General information only. Cover, limits and exclusions depend on the PDS, TMD, eligibility, underwriting and the policy terms. See mobile plant machinery insurance for the wider picture.
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