Smart Business Insurance
Level 11, 484 St Kilda Road Melbourne, VIC3004
$ Phone: 1300 542 573

1300 542 573

TALK to a SMART Business Insurance adviser

Business Insurance for Backhoes and Backhoe operators*

Operating earth moving equipment such as a backhoe has significant risks.

If you are looking for insurance cover for your backhoe and/or for protection for your backhoe operations you may have come to the smart place.

While you take all necessary precautions the nature of earthmoving activities means that a number of things can go wrong where you may damage your backhoe and/or clients or 3rd parties could seek damages from you.

Sole traders, contractors & small businesses operating backhoes face the risk that their activities may cause damage to plant, damage to property and public, damage to surrounding property, or injury to yourself or a third person. Others risks include interruption to the building site, plus theft and loss of the backhoe.

Backhoe operators with staff or sub-contractors also have exposure related to employees and sub-contractors. Slips, trips and falls, are also risks for backhoe operators .

Backhoes that may be covered with Backhoe insurance*

Centre Mount 2wd, Centre Mount 4wd, Side shift 2wd, Side shift 4wd.

Backhoes or bobcats that may be able to be insured; whether owned , leased, or hired in include the following brands and many : Case, Caterpillar, Fermec, Ingersoll –Rand, John Deere, Komatsu, Massey Ferguson, New Holland,Terex, Volvo , and more.

Business insurance policies for Backhoe operators*

To protect you against insurable risks SMART may be able to provide you with a competitive quote on suitable business insurance for Backhoe operators

Public Liability Insurance:

Public liability insurance will be needed for:

  • The risks of your excavating activities causing injury to people or property
  • Unauthorized access, attractive nuisance
  • Liability to sub-contractors, vicarious liability for subcontractors
  • Damage to customer and other third party property
  • Third party injuries

Product liability

Personal Accident Insurance

Personal accident for sole traders

Backhoe plant and machinery insurance

Contract Works

Professional risks insurance for Backhoe operators*

  • Management Liability
  • Professional Indemnity

Backhoe business insurance quote*

At SMART we aim to treat each of our clients with a friendly and personal touch. Monthly payments are available.

We talk to sole traders, sub –contractors and small business owners , including backhoe operators , all over Australia and provide business insurance quotes for them every working day.

For information or an affordable quote on suitable backhoe insurance TALK to a SMART Business Insurance Broker on 1300 542 573 or email us at

1300 542 573

TALK to a SMART Business Insurance adviser

Business Hours:

Monday – Friday 8.45 am - 6.00 pm AEST

    Did you know?*

    Insurance brokers can help you with your claims.

    With policies placed directly with insurance companies you are on your own when it comes time to claim.

Backhoe insurance costs and quotes*

Please contact a SMART business insurance broker for an affordable and suitable insurance quote for your backhoe and backhoe operations.

The above are just some of the comparison questions you may want to TALK to a SMART Business Insurance broker on 1300 542 573 or email us at for SMART insurance cover for your backhoe loader operations.

*Important: Cover may be available subject to meeting insurers underwriting criteria. Some of the covers listed may or may not be available or may have limitations or exclusions. Cover inclusions vary significantly from insurer to insurer. DO NOT rely upon the above. Check your policy schedule carefully for inclusions and exclusions and limitations .Talk to a SMART business insurance broker on 1300 542 573 for more information.

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