Insurance for Earthmovers

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Earthmoving Business Insurance*

Operating earth moving equipment such as a backhoe, front end loader, excavator , bobcat, road roller, grader , scraper or bulldozer has several risks.

An earth moving equipment operator faces risks including workers being hit or crushed, when reversing, when refuelling, plant rollover, falling objects hitting persons, falls from height when accessing plant, and contact with energy sources including underground services (dial before you dig).

Operating in certain environmental can significantly increase risks . These include : night works, daylight transition/glare, in inclement weather, around pot holes , on unstable ground, in shadows ,with excessive dust , on sloping ground , on a wet or slippery surface and many other situations.

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

Sole traderscontractors & small businesses operating earth moving equipment 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 earth moving equipment.

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

Many Business Owners are UNSURE if they are COVERED PROPERLY.
We help them find affordable and SUITABLE INSURANCE so they can run their business with CONFIDENCE.*

Earthmoving Equipment Insurance Cover*

Just some of the earthmoving equipment that may be covered with earthmoving insurance. Please contact us if your plant or machinery is not listed and we may be able to assist.

Business insurance policies for Earthmoving operators*

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

Public Liability Insurance:*

Public liability insurance will be needed for:

  • The risks of earth moving 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

Personal Accident Insurance*

Personal accident for sole traders

Professional risks insurance for earthmoving operators*

  • Management Liability
  • Professional Indemnity

Earthmoving 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 earth moving operators, all over Australia and provide business insurance quotes for them every working day.

For information or an affordable quote on suitable earth moving insurance TALK to a SMART Business Insurance Broker on 1300 542 573 or contact us online.

Want your QUESTIONS on Business Insurance ANSWERED?
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Earth moving equipment theft insurance*

Protect against earth moving equipment theft with suitable coverage for your excavator. Ask about optional cover on how to protect your income and make your lease payments if your earth mover is stolen.

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 contact us online for SMART insurance cover for your earth moving 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.

Front-End Loader Business Insurance*

Operating earth moving equipment such as a front end loader has significant risks.

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

What are your Front End Loader Insurance Requirements?*

As cover inclusions vary significantly from insurer to insurer, depending on your front end loader insurance requirements, it may be smart to compare features and benefits .

For example , how does your existing front end loader policy compare on the following criteria?

Material damage: market value PLUS basis of settlement, new replacement benefit following total loss for machines purchased new for what period?, accidental overload, dry hire, unspecified attachments up to what value?, substitute machines, transit cover, non – aggregation of excess, no blame excess and more

Additional benefits available?: Damage to lifted goods up to what level?, expediting costs, indemnity to hirer –wet hire, road risk, and more.

Broadform liability: Property in physical and legal control sub limits, hook liability sub limits, vibration and removal of support sub limits, dry hire, damage to underground services and more.

How Much is Front-End Loader Insurance?*

The cost of insuring your front end loader depends on a number of factors including the level of coverage you require, the sum insured, sub limits, and claims history.

 SMART Earth Moving Equipment Insurance in Australia*

What cover features and benefits may be available with earth moving insurance?*

What are your Earth Moving Equipment Insurance Requirements?

As cover inclusions vary significantly from insurer to insurer, depending on your earth moving equipment insurance requirements, it may be smart to compare features and benefits.

For example, how does your existing earth moving equipment policy compare on the following criteria?

Material damage: market value PLUS basis of settlement, new replacement benefit following total loss for machines purchased new for what period?, accidental overload, dry hire, unspecified attachments up to what value?, substitute machines, transit cover, non – aggregation of excess, no blame excess and more

Additional benefits available?: Damage to lifted goods up to what level?, expediting costs, indemnity to hirer –wet hire, road risk, and more.

Broadform liability: Property in physical and legal control sub limits, hook liability sub limits, vibration and removal of support sub limits, dry hire, damage to underground services and more

How much is earth moving equipment insurance?*

The cost of insuring your earth moving equipment depends on a number of factors including the level of coverage you require, the sum insured, sub limits, claims history and earth moving equipment attachments.

Earth moving equipment insurance costs and quotes*

Please contact a SMART business insurance broker for an affordable and suitable insurance quote for your earth moving equipment and earth moving operations on 1300 542 573 or contact us online.

Business Insurance for Backhoes Machinery and 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.

Backhoes that may be covered:

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.

What cover features and benefits may be available with backhoe loader insurance?*

As cover inclusions vary significantly from insurer to insurer, depending on your backhoe insurance requirements, it may be smart to compare features and benefits.

For example , how does your existing backhoe loader policy compare on the following criteria?

Material damage: market value PLUS basis of settlement, new replacement benefit following total loss for machines purchased new for what period?, accidental overload, dry hire, unspecified attachments up to what value?, substitute machines, transit cover, non – aggregation of excess, no blame excess and more

Additional benefits available?: Damage to lifted goods up to what level?, expediting costs, indemnity to hirer –wet hire, road risk, and more.

Broadform liability: Property in physical and legal control sub limits, hook liability sub limits, vibration and removal of support sub limits, dry hire, damage to underground services and more.

How much is backhoe insurance?*

The cost of insuring your backhoe depends on a number of factors including the level of coverage you require, the sum insured, sub limits, claims history and backhoe attachments.