Earthmoving Insurance for contractors big and small. CoverTradie is your one-stop shop to organise all your insurances like:
- Public Liability Insurance for Earthmoving & Civil Works
- Insurance for Excavators
- Utes & Truck Insurance
- Plant and Equipment Insurance
- Tools Insurance
- Bobcat Insurance
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Earthmoving Business Insurance
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Earthmoving Machinery Insurance
CoverTradie specialises in insurance for Tradesmen. We have strong working relationships with many insurers and can organise Earthmoving Equipment Insurance at prices that are very reasonable and service that is really quick. We can organise insurance for:
- Excavators
- Skid steer loaders
- Bulldozers
- Trenchers
- Backhoe Loaders
- Graders
- Water trucks
- Dump trucks
- Compactors
- Tracked Loaders
- Pavers
- Rollers
- Scrapers
Earthmoving Insurance Cost
The cost of earthmoving insurance depends on a number of factors like, the state you are in, the number of staff or turnover, the types of jobs you take on etc.
Some insurers prefer to base the premium on the number of staff, others do it on turnover. The table below summarises the earthmoving insurance cost for $20M liability limit
| Staff Numbers | Good | Average | RipOff |
| 1 | $632 | $1636 | $3166 |
| 2 | $1228 | $2391 | $4177 |
| 3 | $1639 | $3237 | $5222 |
Earthmoving Insurance Cost In Different States Of Australia
The cost of insurance varies depending on what state you are in. See table below. WA has the lowest cost of Earthmoving Insurance closely followed by SA.
So if you are in one of those two states and kicking off a new business, you should be able to get very reasonably priced insurance for $20M liability limit.
Excavation Insurance Cost
| State | Good | Average | RipOff |
| WA | $632 | $2005 | $4373 |
| SA | $649 | $2058 | $4413 |
| QLD | $781 | $2200 | $4333 |
| NSW | $801 | $2492 | $5222 |
| VIC | $875 | $2537 | $4893 |
Earthmoving Insurance Australia
At CoverTradie we take pride in organising Insurance for Civil contractors no matter where you are in Australia.
Earthmoving Insurance i.e. Public Liability Insurance for earthmoving and civil contractors is one of the more expensive insurances when compared to other general trades.
If its your first time getting this insurance, you are likely to notice insurers put a range of conditions on the public liability insurance for earthmoving. Let us walk you through a few.
Earthmoving Insurance Victoria
It seems that Victoria has the most expensive rates when it comes to getting Earthmoving business insurance. For a 1 person business, the rates for public liability insurance for earthmovers is the most expensive as compared to other states.
Dial before you dig condition
See below, insurers put conditions that there is no cover as per below if you haven’t been diligent in completing you dial before you dig responsibilities. This is a big one and can make or break a business.
Special Excess For Underground Services
Depending on the insurer there can be a situation where the excess for damage to underground services could be much higher than your standard excess.
Below is an example of one of our clients, where we have successfully negotiated a low excess for damage to underground services. Make sure you look out for this on your policy.
Removal or Weakening of Supports
The condition below confirms that there is no cover for liability if the damage is due to your removal of or weakening of support to land, buildings etc. Often these sort of things are written in fine print and easy to miss. Make sure you check you schedule carefully.
Labour Hire, Subcontractor Injury Exclusion
When you are new to the world of insurance, you may be surprised that some insurer put what they call a “Worker to Worker Injury Excess” of upto $50,000 but most commonly between $10,000 to $25,000 if there is a claim on you for injury to either a labour hire worker or another contractor on site.
Even worse like in the example below where the insurer simply wouldn’t pay such a claim. This is a very critical condition that must be checked on your insurance.
Restricted Locations
Usually one of the most common exclusions on an insurance policy where the insurer lists a set of locations that are excluded for cover.
If you need to work at one of those locations, there are specialist insurers who can provide cover. Talk to us!
Earthmoving Insurance – Claim Example
One of our client’s was doing some civil works and had dug up a trench along a road. That trench had been covered by a driving plate that allowed access to a medical centre from the road.
Whilst the client had taken care that the driving plate was set up properly somehow a 200 series Landcrusier has driven on it and the driving plate has failed resulting in the front wheels going in the trench and minor damage to the front bumper bar and a little bit to the under body of the landcruiser.
The owner of the landcruiser has demanded that our insured pay the costs to fix his vehicle. The claim was accepted by the insurer. See photos below:
Earthmoving insurance is something that we do regularly. Whether you are a new business who needs to get this insurance for the first time or a long established business that needs to get a second opinion on coverage and costs, we can help.
All quotes are free and OBLIGATION FREE!