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

What is earthmoving 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 traders, contractors & 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 .

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

Product liability

Personal Accident Insurance

Personal accident for sole traders

Earthmoving plant and machinery insurance

Contract Works

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 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.

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 email us at 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.