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.

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 INSTALMENTS

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.

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:

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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.

Concrete Pumping

Essential insurance for concrete placement on construction and civil sites.

Crane Operator

Specialist insurance for crane use, lifting operations, and site hazards.

Drillers

Insurance solution for drilling activities, including foundations and investigations.

Crane Truck / HIAB

Comprehensive insurance for vehicles with loading cranes in transport and delivery.

Forklifts

Insurance designed for material handling in warehouses, yards, and construction sites.

Tractors

Dedicated insurance for tractors in farming, civil, and general land work.

Dry Hire

Insurance cover for equipment supplied without an operator.

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:

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

Step 1 of 2

Name(Required)

First Last

Phone(Required)

Email(Required)

Do you have an active ABN?(Required)

Please advise your ABN(Required)

Please select your occupation(Required)

What do you transport?(Required)

What do you construct?(Required)

Do you transport dangerous goods?(Required)

Do you transport refrigerated?(Required)

What sort of tradesman are you?(Required)

What do you manufacture?(Required)

What sort of drilling do you do?(Required)

Please describe your occupation(Required)

How many employees in your business? (Including working directors/owners)(Required)

How many items are you looking to insure?(Required)

Please describe the TRUCKS / TRAILERS / MACHINERY / VEHICLES you are looking to get insured. Please include as much detail as possible including YEAR MAKE MODEL REGO (if available) AND VALUE EXCLUDING GST. Please also include the item TYPE such as prime mover, crane, excavator, tipper truck, skip truck. Thankyou.(Required)

Did you include the ex gst value of the items in the description above?(Required)

Where are these items mostly garaged/stored?(Required)

Street Address Suburb Postcode

Are you currently insured for any of the above items?(Required)

Are you with an insurer directly or with an insurance broker?(Required)

Do you know who your insurer is?(Required)

Do you know who your insurer is? (not the broker)(Required)

Please advise who your insurer is(Required)

Please advise the insurance status of the above items(Required)

Do you have insurance on any other similar items currently?(Required)

Have you held insurance on any other similar items in the last 3 months?(Required)

Do you intend to dry hire (without operator) any of these items in the next 12 months?(Required)

Will you ensure to have a hire rental agreement / formal terms and conditions for the dry hire?(Required)

Do you need a quote for public liability insurance?(Required)

Do you need a quote for carriers / load insurance?(Required)

Have you or any of your operators/drivers or subcontractors had any criminal convictions which are less than 10 years old(adult), 5 years old (juvenile) or if outside of these years any convictions that have had a prison sentence greater than 30 months?(Required)

Have you or any partners or directors ever been declared bankrupt in the last 10 years?(Required)

Have you or any partners/directors had any policies cancelled/declined or special terms imposed?(Required)

Have you (company and/or director), or any person who will drive any of your vehicles / plant had any motor claims or accidents in the last 5 years?(Required)

In the past 5 years have you or any of your drivers had:- any license suspended, cancelled or amended to provisional; or any alcohol or drug conviction; or any dangerous driving offence; or any offence involving or interfering with a speed limiter?(Required)

How urgent is the insurance?(Required)

How did you hear about Insuregroup?(Required)

If you have the purchase invoice for the items or any documents relevant you can upload them here

Max. file size: 128 MB.

Would you like to make any further comments before submitting the request? We will send you an email as soon as possible.(Required)

Please enter your comments/requests here(Required)

Our
Process

The Insuregroup insurance process – insurance solutions on demand.

We’ve streamlined our process to make arranging insurance fast and straightforward. Simply complete our online quote form with a few details and we’ll compare options from our network of insurers. Most quotes are turned around within 24 hours.

01

Submit a Quote Request
Online or Call Us Directly

Start by submitting a quote request through our online form or by calling our team. Provide your business and machinery details, and we’ll begin sourcing the most suitable earth moving insurance options for you.

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02

We Source
Competitive Quotes

We search a wide network of reputable insurers to find the most competitive and relevant policies for your earth movers, operators and equipment – typically within 24 hours.

03

Receive a Clear,
Detailed Quote Summary

We present the available options in a clear, easy-to-understand email summary, outlining coverage, pricing and key inclusions tailored to your needs.

04

Finalise
& Get Covered

Once you’re satisfied with the recommended policy, simply accept the quote. We’ll handle the paperwork and activate your cover quickly – often on the same day.

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.

Insurance Guides & Resources

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Earthmoving Equipment Insurance

What is Earthmoving Equipment Insurance?

Do you need Earthmoving Equipment Insurance?

Why Insuregroup?

MONTHLY INSTALMENTS

EXPERT ADVICE

QUICK QUOTES

RANGE OF OPTIONS

Types of Earthmoving Equipment That Can Be Insured

Excavators

Bulldozers

Loaders

Graders

Skid steer loaders

Rollers

Concrete Pumping

Crane Operator

Drillers

Crane Truck / HIAB

Forklifts

Tractors

Dry Hire

What does Earthmoving Equipment Insurance cover?

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

What does Earthmoving Equipment Insurance not cover?

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

Rail Contractors Insurance Online Quote

OurProcess

The Insuregroup insurance process – insurance solutions on demand.

Submit a Quote RequestOnline or Call Us Directly

We Source Competitive Quotes

Receive a Clear, Detailed Quote Summary

Finalise& Get Covered