Business Insurance for Excavators & Mini Diggers

Excavators & Mini Diggers Insurance Quotes*

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 traderscontractors & 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.

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

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Commercial Excavator Owners can access many BIG name insurers AND
industry specific underwriters here:*

Small business owners QUESTIONS regarding
Business Insurance for Excavators & Mini Diggers ANSWERED:*

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:

  • 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

*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.

  • We act for you – the excavation contractor -not the insurance company
  • You’ll receive a competitive quote on a suitable policy
  • 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!

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.

  • Throughout Australia
  • Brisbane
  • Queensland
  • Melbourne
  • Victoria
  • Adelaide
  • NSW
  • WA
  • SA

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.


Want guidance on Excavators & Mini Diggers Insurance 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.*

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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:*

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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.