Contractor’s Plant & Machinery policy provides compensations to owner, contractor or user of machines used for construction in the event of a loss or damage to the machines whilst they are used or at rest in the construction site. It covers accidental external damage to the machine due to any cause (e.g. fire, natural disaster, etc.) other than those specifically excluded. The policy covers the machinery whilst they are in operation or at rest or whilst being dismantled for the purpose of cleaning or overhauling or whilst being shifted.