Hiring a crane for a lifting job might seem straightforward but when something goes wrong, who’s responsible? If you’re hiring cranes under CPA or similar terms, assuming the crane hire company insures everything could be a costly mistake.

This guide explains what hired-in crane insurance typically includes, where the gaps are, and how to make sure your business isn’t exposed.

What Is Hired-In Crane Insurance?

Hired-in crane insurance covers cranes and lifting equipment that your business rents or hires, often under CPA (Construction Plant-hire Association) terms.

Under these agreements, the hirer (you) is usually responsible for:

• Loss or damage to the crane

• Continuing hire charges while out of use

• Injury or damage caused by its use

Even if the crane isn’t yours, you’re liable for it once it’s on your site or under your control. That’s why hired-in plant insurance is crucial.

What’s Typically Covered?

A hired-in crane insurance policy often includes:

• Accidental damage to the crane

• Theft or vandalism while in your care

• Fire, flood, or weather-related damage

• Transit cover (if you’re responsible for moving it)

• Hire charges while the crane is out of action

Some policies also include liability for damage caused during lifting operations, but this isn’t always standard.

What It Might Not Cover

Here’s where many contractors get caught out. Hired-in crane insurance may not include:

• Lifting liability: If a load is dropped or the crane causes third-party damage, you might need separate lifting insurance or an extension.

• Operator error: If your staff are at fault and not covered under the hire firm’s policy, you could be liable.

• Incorrect setup: Failing to follow ground prep or stabilisation guidance can void the cover.

• CPA exclusions: Many CPA contracts shift the bulk of the risk to you, including crane recovery costs.

CPA Terms: Know What You’re Signing

The CPA Model Conditions make it clear: the hirer is responsible for nearly all risk unless you’ve arranged a Contract Lift (where the hire firm handles insurance, planning, and lifting).

If you’re unsure whether you’re hiring a crane or booking a contract lift, check:

• Who is supervising the lift?

• Who is providing the operator?

• Who is insuring the equipment and public liability?

Don’t assume you’re covered unless you’ve had it confirmed in writing.

How to Ensure You’re Fully Covered

To protect your business, make sure your insurance includes:

• Hired-in plant insurance with sufficient cover limits

• Lifting liability cover (either as part of your plant policy or as a separate add-on)

• Contractual liability extensions where required

• Public liability insurance to cover third-party injury or damage

Talk to your broker about what types of cranes you hire, how frequently, and under what terms, and keep copies of all agreements for reference.

Final Thoughts

Hired-in crane insurance is essential, but it’s not always enough on its own. The true cost of underinsurance could include six-figure claims, halted projects, or legal disputes. Understanding your responsibilities under CPA or other hire terms is key to staying protected.