Riggers Insurance *

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Business Insurance for Riggers *

Riggers face serious business risks when they lift, move, load, and unload heavy, expensive equipment .

For example,  if you are lifting expensive cabinetry onto the 5th floor of an apartment building and there is an accident you will be on the hook for the damages without suitable liability insurance.

Similarly , if you are moving heavy manufacturing plant for a commercial client , and it is damaged, you could be liable for hundreds or thousands of dollars without suitable riggers cover.

People and property or may be hurt or damaged as part of your rigging business activities.

Fortunately, suitable business insurance for riggers may provide protection against financial hardships that could arise from accidents, property damage, or legal claims caused by your rigging work activities.

Suitable business and public liability insurance may cover property damage, and injuries to third parties that are caused by your high-risk rigging work activities.


What Insurance Do I Need as a Rigger? *

Some of the major types of business insurance covers available to riggers in Australia are explained below and include:

  • Public Liability Insurance
  • Business Insurance Pack
  • Personal Accident Insurance
  • General Property and Tools
  • Commercial Motor insurance
  • Plant and Equipment Insurance

 Why do riggers need public liability insurance? *

Public Liability Insurance coverage is essential for all self-employed riggers.

Riggers need public liability insurance as their work involves lifting, moving, loading , and unloading heavy, expensive equipment .

People and property may be hurt or damaged due to accidents involving rigging work.

Protections offered to self-employed riggers by public liability insurance in Australia generally include:

  • Injury to other persons due to your rigging activities –Where a rigger’s business activities cause harm to a third-party person. For example, a client ignores your warnings to stay away from the site and injure themselves when there is an accident in loading or unloading their expensive cabinetry.
  • Damage to others property due to your rigging activities – Where a rigger’s business activities causes damages to a third- party’s property. For example, while moving heavy manufacturing equipment for a commercial client ,  the equipment is damaged, and the rigger may be liable for hundreds or thousands of dollars without suitable riggers cover.
  • Harm to other persons or other persons property due to your rigging business’s products – Where a rigger’s business’s products and goods supplied causes harm to a third party -person or a third- party’s property. For example, products a rigger has supplied, repaired, or manufactured cause harm, injure someone or cause property damage.

Public liability insurance coverage may protect riggers from claims that arise when others allege, they are negligent.

A rigger’s public liability policy may provide a defence against the ensuing lawsuit when needed and may pay the damages sought by the injured party.

Business insurance pack for riggers*

Riggers may be able to combine multiple covers in a single business insurance pack policy.

By ‘packaging’ your business insurance into a ‘business pack’ riggers can potentially cover many of the risks their business faces in the one policy.

For example, if a rigger has a commercial premises, a business insurance pack may provide cover for buildings and contents if they are accidentally damaged by a defined event, such as fire, storm, impact damage, accidental damage, vandalism, or malicious damage.

Other typical inclusions for riggers with a business insurance pack are Public Liability Insurance and Product Liability Insurance.

Optional inclusions for riggers with a business insurance pack are General Property, Contents, Machinery, Plant and Stock, Glass, Money, Business Interruption and Marine Cover.

Personal Accident Insurance for self-employed riggers *

As a self-employed rigger your personal safety is your livelihood.

Personal accident insurance for riggers may provide cover for 52 or 104 weeks and up to 85%* of weekly income at the time of the injury; depending on the amount of coverage agreed when the policy is taken out.

Time away from work from an accident will have a direct impact on a self-employed rigger’s income, and a long period away can negatively affect their savings, family, and lifestyle.

Personal Accident Insurance may help self-employed riggers pay for essential bills and other financial commitments if they have an accident.

General Property and Tools Insurance for riggers *

As a rigger, you are likely to have many tools and equipment that allow you to do your job, such as rigging hooks, pulleys, lifting blocks, shackles, eye bolts, steel nuts, wire ropes and synthetic lifting slides.

If your property is damaged or stolen, your business cannot operate effectively.

General property insurance can help you keep operating effectively.

It can provide needed funds to replace your tools such as  rigging hooks, pulleys, lifting blocks, shackles, eye bolts, steel nuts, wire ropes and synthetic lifting slides.     ….and help keep you in business.

Commercial motor insurance for self-employed riggers *

Commercial motor insurance should be considered for riggers that drive their vehicle from site to site. Light trucks, vans and Utes may be covered.

Plant & Equipment Insurance for rigging businesses*

Plant & Equipment Insurance may provide cover for owners of small rigger & steel fabricator businesses that operate equipment such as cranes, forklifts, rigging hooks, pulleys, lifting blocks, shackles, eye bolts, steel nuts, wire ropes and synthetic lifting slides.

Cover may provide riggers with protection for theft, damage, consequential loss, liability, road risk and machinery breakdown.

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What are the costs of Rigger Public Liability Insurance?*

How much does public liability insurance cost for a self-employed rigger?*

Key factors in determining how much Public Liability insurance will cost a rigger include:

  • The nature and scope of the rigging For example, the type of work performed by the rigger
  • The business turnover and size. For example, is the rigger a sole trader that does 100% of the work themselves, or do they employee a team of 4 subbies?
  • Amount of insurance cover the rigging business needs. Liability starts with $5 million cover, $10 million is popular with many self-employed contractors, $20 million cover is needed for riggers that work for large companies, on commercial sites or have a team of employees.

Public liability insurance cost for a self-employed rigger with no previous claims, starts from around $1850* or $180 per month for $5 million Public Liability Insurance.

*** Please note ***: While cheap Public Liability Insurance can seem attractive on the surface it is important to ensure the policy covers you for the full business activities you undertake, and that the insurance policy and company will respond as intended when there is a claim. Costs may differ greatly from the above based on the riggers business size, clients, experience, and business activities. For many riggers, that load and unload expensive commercial plant , perform broader building work or that have employees, costs will be a lot higher.

Do I need business insurance to work as a self-employed rigger in Australia?*

Self-employed riggers, and owners of rigging businesses , subcontracting for builders will typically be required by the builder to obtain their own public liability insurance to get on site. This is typical for contractors working for builders throughout Australia.

Many small business owners, and even retail clients, will also ask to see proof of a rigger’s insurance cover, called a certificate of currency, prior to awarding them work and ask for an update each year.

As a self-employed rigger, suitable business insurance may provide credibility and valuable protection against the cost of a claim too.

Key rigger business activities that may be able to be covered include:*

  • Moving
  • Erecting
  • Hoisting
  • Lowering
  • Transporting

Why do riggers need tools insurance?*

Riggers need tool insurance as tools are the lifeblood of riggers.

They help riggers just like you to complete work on time, and to deliver quality workmanship.

Riggers have a large number of tools compared. And good tools are expensive. If they break or are stolen, it can impact your ability to get the job done or cost you thousands to replace.

Without tool insurance, you may have to dig into your own savings or borrow money to get the tools replaced or repaired.

Different types of rigging industries that may be able to be covered: *

  • Construction  
  • Manufacturing
  • Import – Export
  • Wholesale
  • Transportation
  • Entertainment industry

Why should riggers use an insurance broker in Australia? *

If you are a rigger deciding on whether to use an insurance broker for your business insurance, it is important to consider that brokers act in the interests of the self-employed rigger.

Direct insurers and agents act for the insurer. This can be important; especially if you need to claim.

Brokers can help riggers by sourcing competitive quotes on policy inception, negotiate with the insurance companies to prevent or limit increases on renewal, remarket your policy to other suitable insurance companies where appropriate, talk to underwriters about policy wordings, industry classifications and terms, talk to insurance assessors during the claims process and repairers where necessary.

How do I get a rigger insurance quote?*

Simply TALK to a SMART Business Insurance broker on 1300 542 573 or contact us online for suitable and affordable public liability and business insurance quotes for your rigging business.