Insurance for Earthmovers

Get a Quote

"*" indicates required fields

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 Earth Mover owners are UNSURE if they are COVERED PROPERLY.
We help them find affordable and SUITABLE INSURANCE so they can run their business with CONFIDENCE.*

Small business owners can access many BIG name insurers AND
industry specific underwriters here:*

Small business owners QUESTIONS regarding
Insurance for Earthmovers ANSWERED:*

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.

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 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
  • Management Liability
  • Professional Indemnity

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.

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.

If you own or operate earthmoving equipment in Queensland, N.S.W, VIC, W.A, S.A or any other Australian territory you may have come to the SMART place for affordable cover on suitable insurance. If you are a contractor or have a small business that operates a backhoe, front end loader, excavator or many other types of earthmoving plant and equipment contact a SMART broker on 1300 542 573 for a quote.


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

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.

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.


Want guidance on Insurance for Earthmovers coverage for your small business?
Get in touch. Here to help you.*

Need more CERTAINTY regarding your business insurance cover?
Have questions or want GUIDANCE?
Get in touch. Here to help you.*

Get a Quote

"*" indicates required fields

Small business owners DESERVE to get insurance cover at an
affordable price – and KNOW what they are covered for.*

We are business insurance brokers

What does this mean to you ?
What that means is that we are YOUR representative, and our first responsibility is to YOU, unlike an insurance agent who represents the insurance company.

And in the event of a claim, we fight for YOU, which may mean a faster and more successful claim.^

^Important : We have no power to authorise claims. However, our experience and assistance can help you when you have a claim.


REAL LIFE STORIES of small business owners who were UNCERTAIN about their business insurance coverage NOW operating with CONVICTION.*

Need expert Insurance Advice?
Get in Touch:*

Get a Quote

"*" indicates required fields

Learn More About Insurance for your Business:*


· We may act for you – not the insurance company
· We may obtain multiple quotes for you on suitable policies from leading insurance companies and underwriters
· You receive responsive friendly service.
· You’ll receive a competitive rate on a suitable policy year after year
· You’ll have us in your court if you need to claim
· Monthly payment options
· We’ll do the leg work for you!

Find out more.