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Earthmoving Insurance

Fast, Flexible & Reliable Insurance Cover for Earthmoving Businesses, Protecting Your Machinery, Equipment, Tools & Operations Wherever You Work.

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COVER

What earthmoving contractors need covered

Accidental damage and theft

A rollover on a steep batter, a dozer sliding on a wet face or a tracked machine tipping into a trench can write off a major asset. Cover can respond to accidental damage and to theft of machines from open sites and laydown areas, whether working or parked up overnight.

Underground service strikes

Bulk excavation runs the constant risk of clipping unmarked power, gas, water or comms. Public liability cover can respond to third-party property damage and the resulting claims when a bucket finds a service that was not on the plans.

Machinery breakdown

Hydraulic failures, blown final drives and engine trouble on a hard-worked excavator or dump truck can stop a job cold. Breakdown cover can help with sudden mechanical and electrical failure so a dead machine on a live cut does not derail the program.

Attachments and buckets

Rippers, tilt buckets, mud buckets, grabs and rock breakers are easy to damage and easy to walk off with. Cover can extend to the attachments you swap through the day, not just the base machine they sit on.

Float transport and in-transit

Earthmoving plant spends real time on a float between sites. Cover can be arranged for damage while machines are being loaded, transported and unloaded, which is when a lot of expensive knocks actually happen.

Downtime and hired-in plant

When your own machine is down you often hire a replacement to keep the dirt moving. Cover can include hired-in plant and help with the costs of keeping the job running while repairs are sorted.

Cover, limits and examples shown are general in nature and subject to eligibility, underwriting and the terms of the issued policy.

What types of earthmoving insurance options are available to me?

At Auswide Builder, we offer a range of insurance products specifically tailored for earthmoving contractors. Our comprehensive packages ensure that whether you're operating a bobcat, an excavator, or a drott, you have the protection you need to safeguard your livelihood and assets.

Our Public Liability insurance is a cornerstone of any earthmoving insurance package, as it covers you against claims of property damage, injury, and legal costs. This type of cover is essential for meeting client and project site requirements, and provides you with peace of mind while you focus on your work.

We also provide Work Vehicle insurance, which is crucial for protecting your heavy machinery and vehicles from accidents, theft, or breakdowns. This ensures minimal downtime and financial impact in case of unexpected incidents.

For those managing larger operations, our management liability insurance provides added security against potential legal and financial risks. At Tradesure, we are dedicated to offering earthmoving insurance solutions that keep your business running smoothly and securely.

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Why do I need earthmoving insurance?

As an earthmoving contractor, your work comes with significant liability risks.

Operating heavy plant machinery like bobcats, excavators, and drotts exposes you to potential accidents, property damage, and legal issues. Earthmoving insurance cover is essential to protect your livelihood, assets, and equipment from these unexpected events.

Public liability insurance, for instance, shields you from claims of property damage and injury, ensuring you meet client and project requirements. Without it, you risk financial ruin from costly legal battles and compensation claims.

Beyond liability, equipment insurance safeguards your valuable machinery from accidents, theft, or breakdowns, minimising downtime and financial loss. Personal accident insurance also ensures your income continues even if an accident prevents you from working.

Our comprehensive business insurance policies provide peace of mind, as you can rest assured knowing you have tailored insurance solutions to keep your operations running smoothly. At Tradesure, we specialise in offering earthmoving contractors insurance that meets the unique needs of the construction industry, giving you the right cover to focus on what you do best.

What Does Public Liability Insurance Cover?

Public Liability Insurance can protect your New South Wales bricklaying business from property damage claims and personal injury claims brought against you by third parties.

Third Party Property Damage and Injury

Covers legal and compensation costs if your bricklaying work causes accidental damage or injury to others on site.

Products Liability

Protects your business if a product or completed bricklaying work causes harm or damage after the job has been finished.

FAQs About Earthmoving Contractors Insurance

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Earthmoving insurance generally covers the machines you run, such as excavators, dozers, loaders, scrapers and dump trucks, for accidental damage and theft. It can also include public liability for third-party property damage like a struck underground service, machinery breakdown, attachments and cover while plant is on a float between sites. What you need depends on your fleet and the sites you work, so it pays to compare options.

Damage you cause to a third party's underground service is a liability exposure, and public liability cover can respond to those claims. It is worth checking how your policy treats service strikes, dial-before-you-dig obligations and whether known unmarked services are excluded, because this is one of the most common earthmoving claims.

Accidental damage cover can respond to rollovers and slides on steep or wet ground, which are a real risk in bulk earthmoving. Insurers may ask about the terrain, operator tickets and how machines are worked on batters, so being clear about your conditions helps get the right cover.

They can be. Cover can extend to buckets, rippers, breakers and other attachments, and to machines while being loaded, transported and unloaded on a float. These are often optional or condition-based, so confirm they are included rather than assuming.

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