Working Machine Insurance

Cover your company's working machines and their accessories.

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  • Pohjola Claim Help is at your service in case of loss or damage. You will get clear operating instructions and information on repair shops and other Pohjola partners near you 24/7.

  • Our special vehicle inspectors are professionals in surveying heavy equipment and working machines. The smooth inspection process speeds up returning to business as usual after a loss.

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About the insurance

Insurance for machines and accessories

By taking out Working Machine Insurance, you secure your company’s working machines such as tractors, loaders and excavators as well as permanently fixed accessories. Working Machine Insurance covers loss or damage to your working machine or equipment, such as a forest machine rolling over, the ground below an excavator caving in, or a forklift catching fire. You can select the scope of insurance cover from different options. You can also determine the deductible for the policy. Our Working Machine Insurance always includes Transportation Cover and legal expenses insurance.

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What does the insurance cover?

A voluntary comprehensive working machine insurance provides extensive cover, as it covers both sudden and unforeseen accidents and collisions. Transportation Cover for working machines covers damage caused to a working machine by the overturning, running off the road or collision of a motor vehicle transporting a working machine, as well as damage caused by the ground caving in during transport. The deductible in losses compensated for under Transportation Cover is 25% of the amount of loss. The most limited working machine insurance only covers fire damage for the machine.

Examples of losses covered are provided below. For more information about the restrictions, please see our insurance terms and conditions.

Legal expenses insurance

Included in working machine insurance.

Legal expenses insurance covers, with the restrictions and exclusions specified in the insurance terms and conditions, any necessary and reasonable legal expenses and expenses arising from presentation of evidence incurred in a Finnish district court or foreign equivalent by the vehicle’s owner, keeper and driver specified in the insurance policy as a result of resorting to legal counsel in a disputed civil or criminal case related to the motor vehicle.

Transportation Cover

Included in working machine insurance.

Transportation cover covers accidents that have been caused by the overturning or running off the road of the transportation vehicle, a collision or the collapse of the ground when transporting the object of insurance using another transportation vehicle. A vehicle combination that comprises a vehicle and a trailer connected to it is considered a transportation vehicle. The object of insurance is considered to be undergoing transport when it is being transported on, or towed by, a transportation vehicle

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Request an offer for corporate insurance

Let us know how we could assist you and provide us with your contact information. You’ll receive an offer and the price of the personal and entrepreneur’s insurance policies you need, conveniently at the same time.

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    It will take about 3–8 minutes of your time

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    You’ll receive an offer on the insurance policies you need. The offer does not require a purchase

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    You’ll receive a response on the following business day

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Find out your corporate insurance needs

Answer a few questions. We’ll help you find the insurance products important for your business operations. You can also request an offer on the recommended insurance policies.

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    Determine your insurance needs at any time and no matter where you are

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    It will take about 4–8 minutes of your time

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    You’ll receive a list of the recommended insurance policies right away

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Pricing of insurance

The price of working machine insurance is affected by matters such as the type of working machine or device as well as the make, model, weight, value and year of manufacture.

Examples of loss events

Työkone käsittelee puuta

Mobile chipper caught fire

A mobile chipper worth 400,000 euros fitted on a truck platform ignited at the end of the working day due to overheating and chipping dust. The mobile chipper was equipped with an automatic fire extinguishing system approved by the insurance company. Because the mobile chipper was equipped with an approved automatic fire extinguishing system which put out the fire without any major damage, compensation was paid under the fire insurance, with only the basic deductible payable by the policyholder.

Työkone kaivaa maata

The drive engines of an excavator stopped working during transportation

The drive engines of the owner’s two-year-old track excavator stopped working during transportation. The excavator was taken to the repair shop where the drive engines were disassembled. According to the excavator’s hour meter, it had been used for 6,869 hours. The result of the loss inspection at the repair shop was that the drive engines were beyond repair, owing to an internal seizure. The repair costs of the drive engines were compensated for under Breakage insurance, minus the 80% age reduction made on the basis of hours of use.

Maasta siivotaan lasinsiruja

An excavator’s windows were broken in the night

All the windows of an excavator left on a construction site were broken during the night. Vandalism insurance covers this damage.

Frequently asked questions

Working machine insurance covers a company’s financial resources and ensures a swift return to normal life after the accident. The insurance covers the financial losses incurred by an accident and helps the company continue its business without major interruptions. In addition, working machine insurance may be mandatory if a company is working in the public sector.

A suitable working machine insurance is selected according to the purpose and environment of use and risks involved with the machine. The insurance can be supplemented with various additional covers, such as financial insurance, breakage insurance or business interruption insurance.

Working machine accessories include dippers, percussion hammers and concrete milling cutters. Whenever an accessory is mounted onto the working machine, it is covered by your working machine insurance under the scope of cover selected for the policy. You can insure loose accessories with the Working machine extra or Special Corporate Insurance. You can also expand the basic part of the cover selected for the working machine with financial insurance, breakage insurance, business interruption insurance or corporate property insurance, for example.

The biggest financial setback caused by damage to a working machine is often the resulting interruption of business operations. Consequential Loss Cover ensures your company's financial situation in case of damage to a working machine. It covers, for example, damage to your working machine and out-of-use days of your working machine caused by the damage. For farm working machines, we also offer the option of business interruption insurance for farming.

  1. Complete your contact information and we will be in touch on the following weekday at the latest.

  2. We'll go over your company's risks together and offer a personalised insurance cover.

  3. Our offer is not binding on you. Take your time to read it and make your decision.

Corporate insurance policies are issued by Pohjola Insurance Ltd. Losses are covered in accordance with the law and the insurance terms and conditions.