Earthmoving Equipment
Insurance
Operating heavy machinery in the earthmoving industry comes with a range of challenges, from managing equipment wear and site safety to addressing liability risks. Whether you’re working on small-scale excavation or large civil construction projects, having suitable earthmoving equipment insurance in place can help support your risk management efforts and safeguard your operations.
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What is Earthmoving Equipment Insurance?
Earthmoving equipment insurance is a form of commercial insurance that is intended to help manage risks associated with operating heavy machinery used for excavation, grading or site preparation. It is commonly considered by businesses in construction, public works and related industries where machinery use can involve site hazards, equipment damage or liability exposures.
Depending on the insurer and policy selected, cover may include options such as public liability, accidental damage to plant and equipment or transit-related incidents. At Insuregroup, we assist businesses that utilise earthmoving equipment by helping them explore available insurance options suited to their specific needs.
Do you need Earthmoving Equipment Insurance?
If you’re running excavators, bulldozers, loaders or other heavy machinery on site, earthmoving equipment insurance might be worth considering. Whether you’re a contractor, subcontractor or work independently, having cover that aligns with your machinery and the work you do may assist in managing potential risks.
General plant or commercial vehicle policies don’t always cover the specific challenges faced on earthworks sites, such as equipment damage, site hazards or breakdowns. Taking the time to review your insurance options, particularly with the help of a specialised broker, can help to ensure your cover reflects the way you operate.
Why Insuregroup?
Monthly instalment options may be available for earthmoving equipment insurance, helping you manage cash flow while maintaining your cover.
EXPERT ADVICE
With over 10 years of experience across the construction and civil sectors, we assist operators Australia-wide in reviewing insurance options relevant to their machinery and activities.
QUICK QUOTES
Need cover arranged quickly? We can assist with obtaining quotes to support timely exploration of earthmoving equipment insurance options.
RANGE OF OPTIONS
We work with a wide network of insurers to help you review a variety of insurance options that reflect your equipment use, job sites and operational risks.
Google Reviews
Stirling Sanderson, Managing Director of InsureGroup, helped me sort out my Certificate of Currency ( Insurance) to include flood cover for my Strata/Sectional Title property in an extremely efficient and prompt manner. I can highly recommend him. Thank you, Stirling. Wendy Morley
April 8, 2025
Stirling made insuring our truck such an easy and quick process. He’s very responsive with any questions we had – highly recommend!
April 8, 2025
When my previous insurer decided to stop insuring commercial delivery pantechs for local deliveries and discovering several other companies also backed away from this type of industry, Sterling found the coverage I needed for peace of mind and to keep the wheels turning promptly and efficiently.
April 8, 2025
Stirling was great for helping me find commercial truck insurance. He was prompt at responding and sorted everything out same day.
April 8, 2025
Types of Earthmoving Equipment That Can Be Insured
As machinery and equipment insurance specialists, we assist businesses with finding insurance for a wide range of earthmoving machinery used across several core industries.
Common equipment types that may be considered for insurance include:
Excavators
Typically used for digging, trenching and demolition.
Bulldozers
Ideal for site clearing and grading.
Loaders
Commonly used for material handling and transport.
Graders
Essential for roadwork and surface/site levelling.
Skid steer loaders
Compact and versatile, these are often seen on smaller sites.
Rollers
Used for compaction in road construction.
Whether you’re operating a single machine or managing a full fleet, Insuregroup can assist with comparing insurance options that align with how your business operates, regardless of equipment size or the scale of work involved.
As part of the Steadfast Insurance Group, we have access to a broad network of insurers across Australia, allowing us to support clients in exploring options that reflect their industry requirements and risk exposures.
What does Earthmoving Equipment Insurance cover?
Earthmoving equipment insurance is designed to help manage the risks involved in operating heavy machinery across a broad range of projects and varied settings. However, the specific features of a policy will depend on the insurer, the machinery in use and the level of cover selected.
Policies may provide cover for:
Accidental damage to earthmoving equipment
Fire, theft or malicious damage
Public liability for third-party injury or property damage
On-site or in-transit machinery incidents
Mechanical breakdown or recovery following an insured event
Optional extras, such as windscreen repair or hire equipment costs
As noted, coverage terms and available options will differ between providers. Experienced in machinery and equipment insurance, we support you in reviewing providers and available insurance options, so you can make informed decisions about your chosen cover.
What does Earthmoving Equipment Insurance not cover?
While earthmoving equipment insurance can assist with managing certain risks, it’s just as important to understand what may not be included in a policy. Exclusions vary between insurers, and being aware of these details can help you better understand claim outcomes.
Common exclusions may include:
Wear and tear or gradual deterioration
Mechanical or electrical failure not caused by an insured event
Incidents involving unlicensed or unauthorised operation
Use outside the declared business activities
Claims arising from unlawful acts
Undisclosed alterations or modifications to equipment
To understand the full scope of your cover, it’s recommended to review the Product Disclosure Statement (PDS) carefully. As part of the comparison process, Insuregroup can assist in helping you navigate policy terms and identify an option with suitable coverage.
Online Insurance Quote
Please select from the options as required. You can select one or more options.
Complete the form below to receive a quote.
Completing the form usually takes 5 minutes.
Having trouble with the form? Contact Insuregroup click here
The Insuregroup insurance process – insurance solutions on demand.
In order to meet the demand for fast, simple, and convenient insurance solutions Australia-wide, we’ve developed an insurance process capable of providing you with all the information you need – including an insurance quote within 24 hours. To achieve this, we offer a simple and user-friendly online quote form that requires a few simple details to generate the most competitive and applicable quote in the market.
To provide you with the solution you need within such a short timeframe, we have implemented a short and highly effective system, which is outlined below:
1. Provide us with your business information for your asset(s)
Simply provide us with your business information online and we’ll take care of the rest to find you the most competitive insurance quote.
2. We will locate the most competitive and applicable insurance quotes
We’ll scour the insurance market to locate the most competitive and applicable quotes from a vast network of insurers. This will typically take no more than 24 hours.
3. We will present you with the best available quotes
We process the best of the available quotes and draft an email with the relevant details.
4. Detailed email
You receive the email detailing the most competitive insurance quote available.
5. Finalise contract & accept quote
From this point, all that is required to finalise the contract is acceptance and payment via email or telephone – the entire process can be streamlined to a mere 24 hours.
Our process allows us to provide you with the best insurance solutions for your asset(s) in the shortest time possible
Frequently Asked Questions
How does earthmoving insurance differ from plant & equipment insurance?
Earthmoving insurance is typically focused on machinery used for excavation, grading and construction, while plant and equipment insurance may cover a broader range of commercial tools and assets. In Australia, earthmoving insurance is often considered by contractors needing cover that reflects the specific risks of working with heavy machinery.
What does earthmoving insurance cost?
The cost of earthmoving insurance in Australia depends on factors like equipment type, usage, site locations, claims history and level of cover. Premiums vary between providers. To get an accurate estimate, it’s recommended to request a personalised quote based on your business needs and machinery details.
How can I get a quote for earthmoving equipment insurance?
To obtain a quote for earthmoving insurance, you can complete our online form or contact our team. We’ll gather key details about your equipment and everyday operations, then help you explore insurance for earthmoving through our network of insurers across Australia.
How long does the process take?
We believe in providing our customers with excellent customer service and to guarantee you the most targeted service we strive to respond to your needs with upmost urgency. Our team can generally turn around a quote and bind a policy within 24 hours.
Can you produce certificates of insurance immediately?
Yes, we can provide electronic certificates of insurance for you in a prompt and timely manner. We do require payment prior to issuing the certificates, however.
Does Insuregroup shop around extensively?
Insuregroup has access to over 100 insurance markets available to us both nationally and internationally. We regularly scour the markets on our system to ensure that we are quoting the most cost effective and cover competitive crane insurance that the market has to offer. We understand that your needs are unique and we will deliver an insurance product that is tailored to suit you.
What if I need to know more about insurance covers?
Choosing an insurance policy is a significant investment – it is important that we deal with customers in an open and transparent way. If you feel you would like to learn more, we welcome you to give us a call on 1300 760 552 so our friendly team can answer any queries you may have.