Earthmoving & Excavator Insurance.
Protection for Civil and Excavation.
Get personalised cover for your earthmoving or excavation business. Keep your equipment, team and operations protected.
100%
AU Owned
24h
Typical Turnaround
50+
Civil Risks
Recognition
Access to Australia's leading insurers and underwriting agencies, including:
What is Earthmoving & Excavator Insurance?
Earthmoving and Excavator Insurance is a customised insurance package that protects businesses, contractors and owner-operators involved in earthmoving and excavation work.
This includes activities like digging, grading, land clearing, site preparation and landscaping which rely on heavy machinery. The insurance combines various types of coverage to address the specific risks of operating expensive equipment in potentially hazardous environments, such as construction sites or mining operations.
RISK ARCHITECTURE
What does Earthmoving & Excavator Insurance cover?
Provides cover for accidental damage to your machinery, such as hitting a rock, overturning, or mechanical failure during operation. Excavators and bulldozers are significant investments that require robust protection.
Theft is a major concern on unsecured or remote worksites. Specialist cover can help protect your business from the significant costs associated with equipment theft.
Excavation work can accidentally damage nearby property, such as underground utilities: water mains, gas lines or adjacent structures. This cover handles the resulting repair costs.
Operating heavy machinery can lead to injuries to bystanders, workers or pedestrians. This insurance can cover costly compensation claims resulting from such incidents.
Excavation can disturb hazardous materials, causing soil contamination or spills. This may lead to clean-up costs or regulatory fines, which can be covered by the right policy.
Equipment breakdowns, theft or legal disputes can halt operations, causing lost income and project delays. This cover helps bridge the gap during periods of downtime.
Earthmoving and excavator insurance is not a single policy but a combination of coverages tailored to your business.
SECTOR ANALYSIS
Who can benefit from Earthmoving & Excavator Insurance?
Our insurance solutions are designed for a wide range of professionals and businesses in the excavation and civil construction space.
Businesses or sole traders hired to perform excavation, land clearing, grading or site preparation for construction projects, roadworks or landscaping.
Firms managing residential, commercial or infrastructure projects that use earthmoving equipment, either owned or hired.
Businesses that lease out earthmoving equipment, either without an operator (dry hire) or with one (wet hire).
Professionals involved in landscaping, road construction or civil works, using equipment like bobcats or mini-excavators.
Companies operating heavy machinery in resource extraction or quarrying, often in remote or high-risk environments.
Independent operators who own or lease a single piece of equipment, such as an excavator or skid-steer loader, for small-scale projects.
Why these risks matter
The earthmoving and excavation industry faces unique challenges that can disrupt your business without proper coverage:
- High Costs: Equipment repairs or replacements and liability claims can cost tens of thousands.
- Regulatory Requirements: Many construction sites in Australia require proof of insurance to comply with Work Health and Safety regulations.
- Frequent Incidents: Utility strikes, equipment theft and accidents are common in civil works.
- Business Continuity: Uninsured losses can lead to downtime, project delays or even bankruptcy for small operators.
The earthmoving industry operates with high-value assets in high-risk environments. Proper coverage is a fundamental requirement for business continuity and regulatory compliance.
KNOWLEDGE BASE
Frequently asked questions
Get a quote
Protect your equipment and your business with a tailored insurance package. Call us on 02 9000 1155 or request a quote online.