Earthmoving 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.
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:
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. Essential insurance for concrete placement on construction and civil sites. Specialist insurance for crane use, lifting operations, and site hazards. Insurance solution for drilling activities, including foundations and investigations. Comprehensive insurance for vehicles with loading cranes in transport and delivery. Insurance designed for material handling in warehouses, yards, and construction sites. Dedicated insurance for tractors in farming, civil, and general land work.
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:
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:
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.
Rail Contractors Insurance Online 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
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.
Submit a Quote Request, Online or by Phone
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.
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.
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.
Finalise and 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.
Earthmoving Insurance enquiry
Send the details and a broker will come back to you on the next business day.
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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 983 940 so our friendly team can answer any queries you may have. View our latest guides on insurance, regulatory considerations and managing risk.
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