Earthmoving Insurance

Heavy insurance that lightens the load

Whether your business depends on heavy earthmoving machinery or compact equipment, the right insurance is a must to protect yourself, your equipment, and your business.

As earthmoving plant and machinery operators, you're exposed to specific challenges and complicated risks that require adequate insurance coverage to protect your safety, financial security and credibility.

Damage or loss to equipment and machinery or a substantial public liability claim are setbacks that can damage the stability of earthmoving contractors and businesses, making it difficult to continue regular operations. With the right insurance policy in place, you can work confidently, knowing you have support when you need it most.

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What does earthmoving insurance cover?

Earthmoving insurance policies vary in their benefits, depending on each business's specific operations and risks. Our team of trusted insurance brokers are here to guide you in finding the right insurance solution that meets the needs of your earthmoving business. To give you an idea, here's the type of cover that your policy may include:

Plant & Machinery

Protecting your most valuable business assets from risks such as theft or damage ensures your financial security against a potentially significant loss. This means you can continue business as usual without the financial strain from repairs and replacements.

Public Liability

Public liability insurance covers third-party property damage and injury to the public. This is important for any earthmoving business, as heavy machinery can cause significant damage or injury if it malfunctions. Without this cover, you are exposed to significant liability risks and legal costs.

Portable Property insurance

Just like any contractor in the construction industry, travelling to different job sites with specialised equipment is part of the role. It is important to protect your portable property to minimise interruption in the event they are damaged or stolen. This insurance covers your portable equipment, including your GPS devices, tablets, and other tools that you require for work.

Dry Hire

If you hire out equipment, Dry Hire cover can protect machinery from theft, fire and accidental or malicious damage. This equipment insurance ensures you can replace and repair your equipment quickly and without financial strain.

Why do I need earthmoving insurance cover?

Insurance is important for any company, especially those in the earthmoving industry, where many employees operate heavy plant machinery, work on client job sites, and move between jobs every day. This cover is designed to protect and support earthmoving and civil contractors from the risks and liabilities that arise from an unforeseen event.

Risk management

Protect your business against potential lawsuits, damage to valuable assets, and disruptions to your operations. Our business insurance brokers evaluate the key risks related to your earthmoving and excavation business and help you find ways to minimise their impact if they occur.

Reputation

An incident that leads to a significant liability claim or prevents the completion of a job due to damaged equipment can severely impact your business's reputation. Since contractors depend on positive word-of-mouth and recommendations, failing to secure proper measures to address these issues can result in reduced demand. Potential clients may view your business as unprofessional or untrustworthy.

Financial protection

Insurance for earthmovers is important to ensure that you have a policy designed to protect you in the event that you need to pay hefty legal fees or replace expensive equipment.

Confidence in your work

Having peace of mind is essential when operating heavy plant machinery on client property. Knowing that if something goes wrong, you are protected brings value not only to you but also to your clients and employees.

Flexible insurance with a local touch

Insurance isn't always a one-size-fits-all policy. Having a trusted adviser and partner in your insurance program can be essential for earthmoving projects using heavy machinery. We're here to help structure your insurance program to suit.

The right cover for you

Tailored insurance programs to suit your business risks, whatever your business, wherever you operate.

Support from an expert

Highly trained insurance professionals to help you identify risks, manage your insurance program and support you with claims.

Friendly, local service

With offices across Queensland and a national reach, you have access to support when you need it.