Earthmoving Insurance

The risks can be high in the hands-on field of earthmoving. It’s crucial to be protected with the right insurance. As an award-winning, AFS licensed business insurance brokerage, we’re here to help medium-to-large-sized earthmoving companies find the right insurance for their needs and budget. Complete our form or call us on 1300 400 707 to speak to a specialist.

Earthmoving Insurance is a specialised form of coverage tailored for businesses that operate heavy machinery and engage in land alteration, excavation and construction site preparation.

Recognising that generic business insurance falls short in addressing the high-risk nature of earthmoving operations, we provide tailored policies that ensure comprehensive protection against the unpredictable.

We are award-winning Earthmoving Insurance experts

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niba award
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QLD 2020 top insurance broker medal
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2020 top insurance broker rated by customers award medal
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The Importance of Earthmoving Insurance

Ensuring your fleet and equipment, as well as the operators and the sites they work on, against damage, theft or liability claims is not just prudent—it's essential. The right earthmoving insurance policy provides a safety net for:

Equipment Damage:

Covering repair or replacement costs for your earthmovers if they’re damaged on the job or in transit.  If you are in the business of hiring equipment, it is important to consider:

  • - Coverage for Wet Hire and Dry Hire
  • - Option to extend coverage for Damage waiver in favour of Hirer
  • - Option to include Hired-In Equipment automatically
  • - Automatic additions and deletions coverage
  • - Claim Experience rebates and discounts

Liability Protection: Shielding your business from third-party claims of property damage or bodily injury resulting from your operations.

Business interruption: Ensuring your financial stability remains intact if your operations are disrupted due to an insured event.

Management liability: Protecting Directors and Executives from the risks of running a company including Directors & Officers Liability, Employment Practices Liability, Statutory Liability, Crime and Tax Audit

Cyber risks: Essential cover for financial loss associated with cyber attack including liability for a data breach, incident response costs, regulatory compliance including fines & penalties and loss of income.

Why Choose Specialised Earthmoving Insurance

Earthmoving projects carry inherent risks due to the nature of the work and the environments in which it takes place. Standard policies may not account for these unique challenges:

Site-Specific Risks: From underground utilities to unforeseen subterranean conditions, your sites present specific hazards that require specialised coverage.

Equipment-Specific Exposures: The specialised nature of earthmoving machinery means that any downtime can be costly and disruptive.

Project-Based Liabilities: Every new site brings a different set of liability exposures, making adaptable coverage crucial.

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Key Coverages in Earthmoving Insurance

We specialise in tailoring or designing programs that suit larger operators. As such, besides the coverage provided by a standard Earthmoving Insurance policy, such as:

Goods in Transit: Ensures that your machinery is protected while being transported between sites.

Plant & Equipment: Covering your mobile plant and equipment for loss or damage anywhere in Australia whether they be used for your own purposes or on wet or dry hire

Tailored Coverage: Every business is unique. As such, options for tailored coverage are also available, such as the option for cyber protection or more bespoke solutions for unique circumstances

Public Liability Insurance: To address any legal liabilities towards third parties for injury or property damage.

Environmental Liability: Covers your business for clean-up costs and damages arising from environmental accidents.

Machinery Breakdown: Protects against the financial implications of machinery malfunction or breakdown.

We also offer:

Hard-to-place insurance solutions: we continue to help businesses access insurance solutions where others cannot. Even in this challenging insurance market, our exclusive networks have allowed our clients to continue to be insured in instances where other business have not been able to

Claims Experience discounts: we can help your business reduce costs by accessing discounts based on your claims history.

Hiring equipment already covered: we can consolidate and streamline coverage on existing hiring equipment

Annual Adjustment Policy: we can help you access Annual Adjustment Policies with no mid-term declarations required

Tailored Coverage: Every business is unique. As such, options for tailored coverage are also available, such as the option for cyber protection or more bespoke solutions for unique circumstances

As well as the following:

New of Old Replacement of vehicles up to 3 years old

  • Plant & Equipment up to 2 years old
  • Automatic Additions and Deletions
  • Substitute Hire Costs up to $100,000
  • Unspecified Attachments up to $10,000
  • Unspecified Trailers up to $2,000
  • Mobile Plant Theft Excess - $5,000
  • Mobile Plant The Excess by Hirer - $10,000

Read our reviews

The team at Crucial Insurance were professional, thorough and helpful. Tony took the time to compare my existing policies with other competitive insurances on the market. He recommended options that provided me with the coverage I required and were more cost effective. Thanks for the great service.

Alishia was a pleasure to work with, great on the phone and extremely knowledgable on policies. In fact, this is the reason brokers exist --I could not find a single insurance company, despite hours and hours of searching, with a policy that did what I wanted. Alishia had one in mind within a minute of speaking with me, and not long after, I was covered. Outstanding.

Thankyou to Tony and the Crucial Team! Tony designed insurance specific to our business needs and made it easy to understand. We have peace of mind knowing that they are there to support us.

A loss without insurance, resulting from a manager's mistake or an employee's carelessness can lead to significant legal, financial and emotional consequences. The appropriate insurance coverage ensures you're financially protected, offering you reassurance in case things go downhill.

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Choosing the Right Earthmoving Insurance Policy

Selecting the appropriate earthmoving insurance policy demands an in-depth understanding of your business's specific needs. Working with a seasoned advisor from Crucial Insurance and Risk Advisors ensures that you receive a policy tailor-made for your operations, including:

  • Types of Earthmoving Equipment: Whether you operate excavators, bulldozers, or backhoes, we ensure your policy covers all your valuable machinery.

Scale of Operations: We cater to the size and scope of your projects, whether they're small residential jobs or large commercial developments.

  • Compliance and Safety: With stringent safety regulations in the construction and earthmoving sectors, we ensure your policy aids in compliance and protects against regulatory risks.

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Why Partner with Crucial Insurance and Risk Advisors for Earthmoving Insurance

Choosing Crucial Insurance and Risk Advisors for your earthmoving insurance means opting for a partner who knows the terrain of your industry. Here's why our brokerage stands as a pillar of strength for your business:

Customised Coverage Plans: Your earthmoving business is unique, and so are our insurance solutions, designed to cater specifically to your needs.

Expertise That Moves Mountains: Our award-winning team brings industry-leading expertise to the table, ensuring you receive the best advice and coverage.

AFS Licensed Professionals: Our advisors are AFS licensed, ensuring they uphold the highest standards of professionalism and knowledge in the financial services industry.

Unwavering Support: We stand with you from policy initiation to claim resolution, offering steadfast support and guidance.

Risk Management at the Forefront: Beyond insurance, we provide risk management strategies to minimise potential disruptions before they occur.

With Crucial Insurance and Risk Advisors, your earthmoving business gains more than insurance coverage; it gains a strategic ally committed to ensuring the stability and continuity of your operations.

Deep Industry Insight: Our understanding of the earthmoving sector's intricacies informs every policy, ensuring relevance and reliability.

Proactive Claim Resolution: In the event of a claim, we act swiftly to resolve issues, aiming to minimise impact on your business.

Our experienced earthmoving insurance specialists are ready to help you navigate the complexities of your industry's risks and tailor a coverage plan that ensures you're prepared for any challenge. 

Don't let your business be undermined by unforeseen events. Reach out to Crucial Insurance and Risk Advisors and secure a consultation with an Earthmoving Insurance expert who understands the lay of the land.

Need to speak to an experienced expert in Earthmoving Insurance? Contact us today.