Operating earth moving equipment such as an excavators, mini excavators and mini diggers has significant risks.
If you want to know how much excavation insurance costs ;are looking for insurance cover for your excavator, mini excavators or mini digger; and/or for protection for your excavation contractor activities you may have come to the smart place.
While you may take all the necessary precautions, the nature of digging activities means that a number of things can go wrong where you may damage your excavator and/or clients or 3rd parties could seek damages from you.
Sole traders, contractors & small businesses operating excavators 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 excavator.
Excavation contractors with staff or sub-contractors also have exposure related to employees and sub-contractors. Slips, trips and falls, are also risks for excavator operators.
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Our helpful business insurance brokers can help you find suitable cost effective insurance for your Excavation business.
Depending on a number of factors such as the type of excavator or mini digger you operate, the number of excavators, where it/they are stored overnight, your experience , the value of your excavation equipment, whether attachments are included, the level of security, and your claims history certain insurance companies may offer better terms.
Our specialist brokers will obtain costs and quotes on a suitable policy.
If you want more information for your excavation business insurance requirements, including what business interruption insurance can cover and cost, TALK to a SMART Insurance broker on 1300 542 573 or contact us online.
Just some of the types excavators that we may be able to help you find suitable cover for you are listed below. Please contact us if your excavator or machinery is not listed and we may be able to assist.
Excavators that may be able to be insured; whether owned , leased, or hired in include the following brands and many more: Case, Caterpillar, Hitachi, Hyundai, Kobelco, Komatsu, Kubota, Sumitomo, Volvo, Yanmar and many more.
To protect you against insurable risks SMART may be able to provide you with a competitive quote on suitable business insurance for excavation contractors.
Public liability insurance will be needed for:
*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 an excavator 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 , dragline, crawler, mini excavator or many other types of excavator plant and equipment contact a SMART broker on 1300 542 573 for an excavator insurance quote.
Personal accident for sole traders
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 excavator operators , all over Australia and provide business insurance costs and quotes for them every working day.
For information or an affordable quote on suitable excavator insurance TALK to a SMART Business Insurance Broker on 1300 542 573 or contact us online.
Protect against Excavator theft with suitable coverage for your excavator. Ask about optional cover on how to protect your income and make your lease payments if your excavator or mini digger 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 excavator operations.
What are your Excavator Insurance Requirements?
As cover inclusions vary significantly from insurer to insurer, depending on your excavator insurance requirements, it may be smart to compare features and benefits .
For example , how does your existing excavator 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 excavator depends on a number of factors including the level of coverage you require, the sum insured, sub limits, claims history and excavator attachments.
Please contact a SMART business insurance broker for an affordable and suitable insurance quote for your excavator and mini digger insurance on 1300 542 573 or contact us online.
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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.
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· 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!
Any information contained in this website is for informational purposes only and is in no way to be considered personal, financial or legal advice.You should contact an authorised insurance adviser, accountant or solicitor to obtain advice in relation to your specific situation . Use of this website does not create a relationship between SMART Business Insurance and the reader.
SMART Business Insurance is a Corporate Authorised Representative (AR Number 437328) of United Insurance Group (UIG) AFS Number 327131
Important : We have no power to authorise claims. However, our experience and assistance can help you when you have a claim.
*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.
Smart Business Insurance Offices:
Level 3, 9-11 Claremont Street, South Yarra VIC 3141
Business Hours:
Monday – Friday 8.45 am – 5.30 pm AEST
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