Earthmoving & Excavator Insurance
Earthmoving and excavating involve risks, but the right insurance keeps your business protected. Coverscope provides coverage tailored to your needs.
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Complete the form to request a FREE QUOTE. Call us at 1300 900 207 for immediate response.
Comprehensive Cover for Earthmoving and Excavation Professionals
In the earthmoving and excavation business? Protecting your equipment and operations is essential. Earthmoving insurance helps safeguard your assets, covering damage, theft, and risks from operating heavy machinery.
What is Earthmoving Insurance?
Earthmoving insurance is designed for businesses in earthmoving, excavation, and related industries, offering protection against the risks that come with operating heavy machinery. Coverscope’s Earthmoving & Excavation Insurance helps safeguard your business by covering essential equipment like excavators, bulldozers, loaders, and graders, ensuring you’re financially protected on the job.
Who Needs Earthmoving Insurance?
Businesses and contractors in earthmoving, excavation, site preparation, demolition, or construction should have the right insurance. Whether you run a fleet of machines or work independently, proper coverage is essential for protecting your operations. This includes:
- Earthmoving Contractors: Companies specialising in earthmoving and excavation services, including site preparation, land clearing, trenching, and grading.
- Construction Companies: Builders and developers utilising heavy machinery for various construction projects.
- Independent Operators: Freelancers or individuals who operate earthmoving equipment contractually.
- Equipment Owners: Owners of earthmoving machinery lease or rent their equipment to others.
What Does Earthmoving Insurance Cover?
Earthmoving insurance typically includes various coverage options to address different risks associated with operating heavy machinery.
Earthmoving and mobile plant insurance policies can include:
- Plant and Machinery Cover: This insurance helps cover the repair or replacement costs of your plant and equipment, including excavators, cranes, bobcats, and other heavy machinery. If your equipment is stolen, lost, or damaged, it provides financial support to get you back to work quickly.
- Public Liability Insurance: Operating heavy machinery like excavators comes with significant risks, including property damage and potential injuries to others. Accidents can happen, leading to costly claims. Public Liability Insurance helps protect you from financial losses by covering damages and legal expenses, making it essential for anyone working with heavy equipment.
- Professional Indemnity Insurance: Negligence claims can arise in earthmoving and excavation, especially if you provide professional advice. Legal action could put your business at risk, leading to costly disputes. Professional Indemnity Insurance helps protect you by covering legal costs and potential damages, ensuring you’re financially secure.
- Workers’ Compensation: Coverage for injuries or illnesses sustained by your employees while on the job. This includes medical expenses, lost wages, and rehabilitation costs.
- Personal Accident & Illness Cover: Working in earthmoving and excavation comes with risks, from vehicle overturns to landslides, which can lead to serious injuries. Personal Accident and Illness Cover helps protect your income if you’re unable to work due to injury or illness. This coverage eases financial stress by providing support during your recovery.
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Earthmoving Insurance Quotes Made Easy
Comprehensive earthmoving insurance helps protect your business, assets, and peace of mind in this high-risk industry. The right cover reduces financial risks and keeps your operations secure. Coverscope specialises in earthmoving and heavy machinery insurance, backed by over 20 years of experience. Get in touch today for expert advice and a tailored quote.
Your Trusted Business Insurance Partners, Wherever You Are
For immediate response please give us a call.
Our team continues to work remotely but you are welcome to arrange an appointment with one of our consultants.
Get a FREE QUOTE
Complete the form to request a FREE QUOTE. Call us at 1300 900 207 for immediate response.
Case Study
During a large excavation project at a construction site, one of Mark’s employees accidentally struck an underground utility line, causing significant damage and disrupting utility services in the area.
A claim was filed against Mark’s business to cover the costs of repairing the damaged utility line and compensating affected customers for the service disruption. Without insurance, Mark faced overwhelming financial liability.
What usually isn’t covered?
Exclusions, the excess you need to pay and limits of liability can vary greatly depending on your insurer.
Public & Products Liability Policies generally won’t include cover for:
- Cost of rectifying faulty workmanship
- Damage to your own product
- Claims by employees
- Claims arising out of the use of a registered motor vehicle
- Claims related to asbestos
Which businesses need earthmoving and excavator insurance?
This insurance is ideal for sole traders, self-employed operators, and large excavation and earthmoving contractors. Any business involved in earthmoving should consider it to reduce operational risks and protect against unexpected costs.
Do I need public liability insurance for my earthmoving business?
Public Liability Insurance is essential for earthmoving and excavation contractors, covering legal and compensation costs if your work causes injury or property damage. Given the high-risk nature of the industry, this coverage helps protect your business from costly claims.
What factors affect the cost of earthmoving and excavation insurance?
The cost can vary based on several factors including the value and type of equipment used in your business, the size and scope of your operations, the geographic area where you operate, and your claims history. Contact Coverscope to organise a quote.
Get in Touch
Simply fill in the form below and we’ll be in touch shortly, or feel free to call and tell us about your specific requirements.
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PO Box 7005, Mount Crosby QLD 4306
Our team continues to work remotely but you are welcome to arrange an appointment with one of our consultants.
Please complete the form to submit an enquiry.
