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Working Machine Insurance
Cover your company's working machines and their accessories.
Quick guidance in the event of an accident
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.
A professional at your assistance
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.
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.
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.
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.
It will take about 3–8 minutes of your time
You’ll receive an offer on the insurance policies you need. The offer does not require a purchase
You’ll receive a response on the following business day
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.
Determine your insurance needs at any time and no matter where you are
It will take about 4–8 minutes of your time
You’ll receive a list of the recommended insurance policies right away
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
Mobile chipper caught fire
Working Machine Insurance
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.
The drive engines of an excavator stopped working during transportation
Working Machine Insurance
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.
An excavator’s windows were broken in the night
Working Machine Insurance
All the windows of an excavator left on a construction site were broken during the night. Vandalism insurance covers this damage.
1. Request an offer
Complete your contact information and we will be in touch on the following weekday at the latest.
2. You will receive an offer
We'll go over your company's risks together and offer a personalised insurance cover.
3. You’ll decide how to proceed
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.