HMIS Heavy Motor, Mobile Plant & Machinery Insurance Solutions
Steel Pacific Insurance Brokers has for many years specialised in developing low cost insurance solutions for owners and operators of plant and machinery.
Backed by NTI
Heavy motor, mobile plant and machinery insurance, built for heavy industry
Specialist cover for earthmoving, civil construction and heavy haulage businesses. Backed by NTI.
HMIS provides specialist insurance for heavy motor, mobile plant and machinery, helping earthmoving, civil construction and heavy haulage businesses protect the assets that keep their operations moving. One policy covers your trucks, your plant and the liability that comes with putting them to work, and it's built around the way your business runs.
- Heavy motor, mobile plant, machinery and liability in one place, from people who know the gear
- No age or inexperience excesses when your young operators are on the machine
- No average or underinsurance clause
- Backed by NTI, a leading specialist heavy motor and transport insurer
- Reviewed and enhanced every year, so the cover keeps pace with the industry
Request a quote or call 1800 629 701. We'll be in touch within one to two business days.
Specialist cover
Heavy machinery insurance from people who know the gear
Not all heavy motor insurance policies offer the same level of cover. HMIS has been developed with earthmoving, civil contracting and heavy haulage businesses in mind, bringing together a premium level of cover with policy sections, extensions and limits designed to address the risks you face on the job.
From damage to underground pipes and cables to vibration damage affecting nearby property or the removal of support, these are the types of risks that matter when you're working on site. Cover also includes automatic benefits such as hired-in plant and goods on hook, subject to the policy terms.
We understand that when a machine is off the job, it can affect your entire operation. That's why having the right cover and access to claims support that understands your industry matters. We'll explain what's covered, the applicable limits and any exclusions before you make a decision, so you can understand exactly what your policy offers.
Commercial only
Who we insure
HMIS is commercial only. If your business runs heavy gear, there's a good chance we've insured someone doing the same work. Our industry solutions cover:
We don't insure private cars, homes, caravans or boats, and we're not the right fit for a fleet that's mostly utes and sedans. If your business sits outside what we do well, we'll tell you and point you in the right direction.
- Earthmoving and excavation contractors
- Civil contracting, road making and infrastructure services
- Heavy haulage and transport
- Quarrying, sand and gravel, screening and crushing
- Mining and resources
- Piling and shoring
- Landscaping and site preparation
- Drilling, mobile cranes, telehandlers, agriculture and forestry machinery
The HMIS difference
Why earthmoving and civil businesses choose HMIS
- Purpose-built for earthmoving, civil construction and heavy haulage, not a generic policy with the edges filed off
- No excess loading for young or inexperienced operators of mobile plant
- No average or underinsurance clause
- Specialist liability cover for damage to underground services, vibration, removal or weakening of support, and errors and omissions
- Hired-in plant, incorrect fuel, theft by hirers and goods on hook included as automatic benefits
- One policy and one renewal conversation for your trucks and your plant
- Backed by NTI
If you're comparing earthmoving and excavation insurance, read past the premium to the exclusions, the excesses and how underground services are treated. Those lines decide whether your claim is paid. Bring us your current schedule and we'll go through it alongside ours, with no pressure to move.
Buy direct, or bring your broker
You can come to us directly, or through your broker. We work with specialist insurance brokers across Australia who place heavy industry clients with HMIS. Earthmoving insurance brokers place clients with us because the wording is built for their clients' work and the claims team knows the machines. If you're a specialist insurance broker with a client who runs heavy gear, tick the broker box on our quote form and we'll pick it up from there.
Tools of trade
What we can cover
Any fixed or mobile unit set up as a tool of trade. Examples include:
- Excavators, backhoes, bobcats and skid steer loaders
- Bulldozers, graders, loaders, rollers and compactors
- Dump trucks, prime movers, tipping trucks and trailers, service trucks
- Screening and crushing systems, gravel processing plants, conveyor systems
- Mobile drilling machinery, trenchers, pulverisers and road surfacers
- Elevating work platforms, lifting equipment, forklifts and suspended access equipment
- Generators, transformers, lighting towers, asphalt mixers and concrete batching plants
- Barge-mounted equipment
The process
How a quote works
Step 1: Tell us about the business
Fill in the quote request or call 1800 629 701. A schedule of vehicles and plant helps, but we can start without one.
Step 2: We review the risk with you
We'll come back to you within one to two business days to run through your machines, the work you do and where you do it. Then we take it to the underwriter.
Step 3: You get a recommendation, exclusions explained
Quotes usually take two to three days. You'll get a clear recommendation with the exclusions, limits and excesses spelt out in full. If it's right for you, we place the cover and issue your certificate of currency.
Step 4: We review it every year
Every HMIS policy gets a proper review at renewal, not a rubber stamp and a new invoice.
FAQs
Frequently asked questions
Do all insurers provide the same machinery insurance?
No. Policy sections, extensions, excesses and exclusions vary a lot between wordings. When you're comparing, check the inclusions and exclusions, the excesses that apply to young operators, whether an average clause applies and how damage to underground services is treated. Those details matter more than the headline premium.
Do I need insurance to dry hire machinery?
Yes, in almost every case. Dry hiring plant in or out brings its own risks, and the hirer's liability and the owner's cover need to line up. HMIS can cover wet and dry hire. Limits, conditions and exclusions apply, so talk to us about how your hire arrangements actually work.
How much does insurance cost for an earthmoving or civil business?
It depends on your machines and their values, the work you do, where you do it, turnover, operator experience and your claims history. Every HMIS premium is tailored to the individual business, so we quote on request and don't publish prices.
What is a certificate of currency and when do I get it?
A certificate of currency is the document a principal or head contractor asks for to prove your cover is in place. We issue it once we've bound your cover.
Can HMIS insure my utes and light vehicles too?
Yes, alongside your heavy gear. We don't insure fleets that are mainly passenger vehicles, and we don't do personal or domestic insurance.
Ready to talk it through?
Request a quote, call 1800 629 701 or email enquiries@hmis.com.au.
This information is general in nature and does not take into account your objectives, financial situation or needs. Please consider the relevant Product Disclosure Statement and Target Market Determination before deciding whether a product is right for you.
Limits, conditions, excesses and exclusions apply.