Insurance for Earthmoving and Excavation
Public Liability and Tool cover
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Public Liability and Portable Equipment cover
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What is earthmover or excavator insurance?
Earthmoving insurance (the different types of business insurance designed for earthmovers and excavators) helps cover the cost of common claims, such as third-party injuries, accidental property damage or damaged equipment.
Construction can be a dangerous field, especially for earthmovers and excavators. A simple accident or mistake could result in a claim against your company, damaged equipment, or a serious injury. Incidents like these (and plenty of others) could potentially demolish your savings or your entire business.
This is where earthmoving and excavator insurance can help. Instead of paying unexpected bills from your own pocket, your business insurance could help cover some of those losses for you.
Why do earthmoving contractors need insurance?
Earthmovers and excavators may need business insurance to meet contractual obligations or cover unexpected bills.
Enter a jobsite
Lease a workshop
Work as a contractor or sub-contractor
Pay legal costs if you face a liability claim
Let’s cover your small business on the go
Start a quote to see how much you can save and buy online in minutes.
What types of insurance do earthmovers or excavators need?
We offer a range of policies designed to cover your business and equipment. Build an insurance package that suits your needs and buy in minutes.
Popular cover types for earthmovers and excavators:
Earthmovers and excavators could also consider:
How much does tradesmen insurance cost?
The average monthly cost of business insurance for earthmovers or excavators is $105 with BizCover. However, the cost of your policies will depend on different factors, such as the services you provide and the size of your business.
The prices are real, get that new policy feel
Factors influencing cost
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works with the risks of your business
Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.
Unsure how much to choose? Think about:
Statutory Profession Requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
Factors influencing cost
Risk of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works with the risks of your business
Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
How it works – buying online
5 easy steps to get instant cover online today
Select Profession
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Get Covered Online
5 Steps to get your biz insured:
- Enter Occupation
Search & select your occupation
- Choose Cover(s)
Select the cover you need
- Business Details
Tell us about your business
- Compare Quotes
Compare prices & select quotes
- Get Cover Today
Instant policy docs to your inbox.
How to make a claim online
We’ll assist you through the claims process & manage the claim directly with the insurer.
Let us know Fill out our
claims form and provide info
to support the claim
Receive extra support We
will assist you with your claim
Claim results We will notify
you of the claim outcome.
3 Steps to get your biz insured:
- Let us know
Fill out our claims form and provide info to support the claim.
- Receive Extra Support
We’ll assist you with your claim.
- Claims Results
We’ll notify you of the claim outcome.
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See how much others have saved while purchasing policy through BizCover
Colette
Disability Care Worker from
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$1,200
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Andrea
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$3,600
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$800
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Stephen
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Linda
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^ Savings made from January 2024 to April 2025. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
Frequently asked questions
Insurance for earthmoving and excavation can benefit different types of businesses, including:
- Sole traders
- Self-employed business owners
- Excavation and earthmoving contractors
- Construction contractors and businesses
Business Insurance is an insurance package that can be customised to include many types of coverage, such as Building, Contents, Portable Equipment, Machinery Breakdown and much more.
Hear from our customers
Real-life customer reviews verified by Feefo
Awesome and saved me $100 a month
Chrisptopher B
Every staff member I spoke to was than happy to help me through all of my questions. Great service! Won me over from a competing company.
James O
Quick and easy. Took the hassle out of shopping around and comparing.
Adam T
So easy to renew – takes the hassle out of organising insurance.
Sarel D
Easy to use and beat my current insurances quote by a long shot- happy.
Thomas T
Real-life customer reviews verified by Feefo