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 Excavators and Excavation contractors

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 diggers; 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.

How much does Excavation Insurance Cost?

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 email us at

Excavators that we may be able to help you find cover for

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.

  • Backhoe
  • Mini Excavator
  • Mini Digger
  • Dragline
  • Long reach/long arm
  • Crawlers and compact excavators
  • Power shovels
  • Track mounted
  • Wheeled
  • Skid steer loader (bobcat, drott, dingo)
  • Hired in excavators
  • Other (please contact us)
  • Equipment Breakdown

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.

Business insurance policies for Excavation contractors

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:

Public liability insurance will be needed for:

  • The risks of your excavator 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

Excavator plant and machinery insurance

Contract Works

Professional risks insurance for excavator operators

  • Management Liability
  • Professional Indemnity

Excavator business insurance costs and 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 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 email us

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.

Excavator theft insurance

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 email us at for SMART insurance cover for your excavator operations.

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

*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.