Excavator
Insurance

Operating excavators involves a range of responsibilities, from maintaining high-value equipment to managing on-site safety and meeting regulatory requirements. Whether used on small residential sites or large-scale commercial projects, having appropriate excavator insurance in place may support your risk management efforts and business continuity.

What is Excavator Insurance?

Excavator insurance is a type of commercial cover designed to help manage the risks involved in using heavy machinery for tasks such as excavation, demolition and site development. It is often considered by businesses in construction, infrastructure and civil works where equipment is regularly exposed to hazards, damage or potential liability.

Cover options will vary depending on the insurer and policy selected, but may include public liability, damage to machinery or incidents during transport. At Insuregroup, we work with businesses that rely on excavating equipment to explore appropriate insurance options that reflect their unique requirements.

Do you need Excavator Insurance?

If your business uses excavators regularly as part of its usual operations, it may be worth considering insurance that reflects the specific risks associated with this type of machinery. Whether you’re a contractor, subcontractor or part of a larger project team, having cover aligned with your equipment and work environment can support your risk management efforts.

Standard plant or vehicle policies may not always address the unique exposures related to excavator use, such as damage from site conditions, operational incidents or breakdowns. Reviewing options with a broker who understands machinery insurance may assist in identifying cover that aligns with your operations.

Why Insuregroup?

MONTHLY INSTALMENTS

Flexible monthly instalment options may be available for excavator insurance, helping you manage ongoing costs while maintaining access to cover.

EXPERT ADVICE

With over a decade of experience in machinery and equipment insurance, we specialise in assisting businesses across Australia find and compare excavator insurance options.

QUICK QUOTES

Need insurance arranged without delay? We assist with obtaining prompt quotes so you can explore available cover for your operations.

RANGE OF OPTIONS

We access a wide network of insurers to help you compare policies that align with your excavator type, worksite conditions and how you operate.

Types of Excavators That Can Be Insured

Highly experienced in the machinery and equipment sector, at Insuregroup, we assist businesses in finding insurance suited to a range of excavator types used across various project scales.

Common excavator types that may be considered for insurance include:

Get an Online Quote

Crawler Excavators

Tracked machines ideal for heavy-duty digging on rough or uneven terrain.

Wheeled Excavators

Suitable for urban environments with hard surfaces and easier transport between sites.

Dragline Excavators

Used in large-scale operations such as mining or deep excavation work.

Suction Excavators

For use in utility work or sensitive areas where minimal ground disturbance is required.

Skid Steer Excavators

Compact and manoeuvrable, suited to tight access and smaller project sites.

Long Reach Excavators

Designed for work that requires extended reach, such as riverbank or demolition projects.

Mini Excavators

Efficient for smaller-scale jobs or residential projects with limited space.

Whether you’re running one excavator or managing a larger fleet, our team can help you navigate the complexities of excavator insurance.

As part of the Steadfast Insurance Group, we have access to a wide network of insurers across Australia, allowing us to support clients in finding cover that aligns with their industry risks and project requirements.

What does Excavator Insurance cover?

Excavator insurance is designed to address risks associated with operating heavy machinery in commercial settings. Policy features depend on the insurer, equipment type and selected level of cover.

Cover may include:

Accidental damage to the excavator

Fire, theft or malicious damage

Public liability for third-party injury or property damage

On-site or in-transit incidents involving the excavator

Mechanical breakdown or recovery following an insured event

Optional extras such as windscreen repairs or hire equipment costs

With each insurer offering different terms and inclusions, it’s important to understand how a policy may cater to your business needs. Insuregroup’s specialist brokers work with you to navigate the available options and assist you in identifying appropriate cover.

What does Excavator Insurance not cover?

While excavator insurance can help manage a range of risks, it’s important to understand what may not be covered. Exclusions also differ between policies, so being informed can help you make an informed decision.

Common exclusions may include:

Wear and tear or general deterioration over time

Mechanical or electrical faults not caused by an insured event

Incidents involving unlicensed or unauthorised operators

Use of the excavator outside of declared business activities

Claims arising from unlawful or illegal use

Undisclosed modifications or alterations to equipment

To understand exactly what is and isn’t covered, always review the Product Disclosure Statement (PDS). Our brokers can guide you through this process by helping you compare policy details, so you can make an informed decision.

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

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.

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 excavator details, and we’ll begin sourcing the most suitable excavator insurance options for you.

Get an Online Quote

We Source
Competitive Quotes

We search a wide network of reputable insurers to find the most competitive and relevant policies for your excavators, drivers 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
& 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

Are there different types of excavator insurance?

Yes, cover can vary depending on how your excavator is used, where it’s operated and the risks involved. Some policies may focus on damage and theft, while others can include public liability, transit cover or breakdown assistance. As such, it’s important to identify and compare options that are appropriate to how your business operates.

What does excavator insurance cost?

The cost of excavator insurance in Australia depends on several factors, including the type and value of the excavator, how it’s used, location, claims history and selected cover options. Premiums will also differ between providers, so requesting a personalised quote based on your business needs is suggested to estimate costs.

How can I get a quote for excavator insurance?

To get a quote for excavator insurance, you can complete our online form or speak with our team. We’ll collect key details about your equipment and operations, then support you in reviewing options across our network of Australian insurers to find cover that meets your needs.

How quickly can I obtain a quote?

The time taken to provide you with a quote will depend on your circumstances, however as a general rule, customers who adhere to the guidelines will receive a quote within 24 hours and will be able to bind the quote instantly.

Can I pay monthly?

Our insurance contracts cover a 12-month period, however we do offer monthly instalments to suit your convenience or budget.

Does Insuregroup assist with claims?

Here at Insuregroup, we strive to provide a comprehensive service and this includes assistance with your claim management – from lodgement to settlement – as well as negotiation on your behalf.

Will Insuregroup negotiate with insurers on my behalf?

To ensure you are getting the most competitive prices, we will negotiate with insurers at both the new business stage and the renewal stage – we have access to over 100 insurance markets nationally and internationally and this gives us considerable leverage.

Does Insuregroup scrutinise the market?

With access to over 100 national and international insurance markets through our online database, we are well positioned to shop around for competitive quotes and even negotiate with insurers at both the new business stage and renewal, to bring you suitable and cost effective excavator insurance solution.

Why choose Insuregroup for your bobcat and excavator insurance?

We’re a privately owned online Australian business and this enables us to provide cost savings to the end consumer. Typical insurance companies have significant overheads and therefore need to charge excessive fees.

Insuregroup: Experts in Insurance

Specialist insurance broker
Exclusive coverage and premium rates
Access to over 100 national insurance markets

Request a Quote Online

5.0

Based on 82 reviews

Excavator Insurance