Earthmoving Industry

Heavy Motor & Machinery Insurance Solutions.

Heavy Motor, Mobile Plant, Machinery and Liability Insurance

What is it?

A unique liability coverage formulated for Business’s operating in the Earthmoving and allied industries including (but not limited to):

  • Civil Contracting
  • Heavy Haulage
  • Piling & Shoring
  • Infrastructure Services
  • Quarry, Sand & Gravel
  • Landscaping

This offering provides some of the most comprehensive cover available in the Insurance market at a competitive pricing structure.


Some of the benefits offered by this product include:

  • Contractual Liability
  • Damage to underground services
  • Vibration, Removal, Weakening of Support
  • Claims Preparation Costs
  • Statutory Liability Protection for OH&S Fines and Penalties
  • Financial Loss
  • Hired In Plant Cover
  • No Age/Inexperience Excesses for young operators of Mobile Plant
  • Maximum event excess
  • No Average/Underinsurance.

Frequently asked questions

Below are the common questions customers ask us.

Business Interruption helps your business keep running if the insured property is lost or damaged due to an insured event. The policy will cover ongoing costs whilst your business is recovering. For example, if your Excavator has been vandalized/damaged to the point where you can no longer safely operate the machine, then the Business Interruption policy will cover the costs of lost revenue until the machine has been repaired.

Having adequate insurance for liability and professional indemnity helps protect your business if a third party were to suffer from loss, damage, or injury based upon your services, advice, or negligence.

Several factors will have an impact on the cost of insurance. Services offered, business equipment and property, revenue, location, number of employees all affect the cost of your premium. The nature and level of risks will also come into play. For example, excavation contractors may face higher insurance costs compared to a concreting company.

No. Not all policies are created equally. HMIS realised that the policy options available on the market fell short of customers’ needs and expectations; requiring clients to make compromises on what coverage was most important to them. So, we developed HMIS by bundling the necessary benefits of all available offerings in the insurance industry and combining this with a thorough annual review and improvement regime. When you’re comparing, it’s essential to check policy inclusions and exclusions, excesses, and terms and conditions to ensure you know what’s covered and what’s not.

Yes. Dry hiring machinery comes with a set of risks. Public liability cover will be crucial and will cover incurred medical as well as legal and compensation fees if a third party suffers loss, damage, or harm. Beware of exclusions and cover limitations. Consult our team for more information.

The cost of insuring your mini excavator will vary depending on your location, size of the machine, sales and experience of operators.

As a contractor, you’re essentially self-employed and are held accountable to a number of risks. Public Liability insurance should be the first on your list of insurance needs. PL will ensure that if your negligence results in property damage or personal injury of a third party, you are covered. You might also want to invest in income protection, contractual liability, and equipment insurance. Reach out to our team to discuss what insurance you may need.

The amount of cover you require will vary depending on the needs of your business. The minimum cover you can get is a $5 million policy and can extend to up to $20 million and above. As the construction industry is one of high risk, you may want to consider more than just the bare minimum.

Contractual liability kicks in when damage or injury occurs to a third party, but it is not a result of your own professional negligence. Instead, another contractor working on the same project as you, is responsible. Often, what can happen is a small subbie will bear the responsibility of all incidents on the project they’re working on. Contractual liability protects you from the risks you bare from entering a legal contract.

Heavy motor, mobile plant, machinery and liability insurance is suited to businesses operating in the following industry segments;
  • Earthmoving
  • Heavy Haulage
  • Infrastructure Services
  • Landscaping
  • Piling & Shoring
  • Quarry, Sand & Gravel
  • Resources
  • Screening
  • Road making
  • Civil Contracting

We can cover any fixed or mobile unit which can be set up for use as a tool of trade, and include all attachments whether they are fixed to the unit or not. Examples are:

  • Asphalt Mixers
  • Backhoes
  • Barge Mounted Equipment
  • Bobcats
  • Bulldozers
  • Compactors
  • Concrete Batching Plants
  • Conveyor Systems
  • Dump Trucks
  • Electrical Generators and Transformers
  • Elevating Work Platforms
  • Excavators
  • Fork Lifts
  • Graders
  • Gravel Processing Plants
  • Lifting Equipment
  • Lighting Towers
  • Loaders
  • Mobile Drilling Machinery
  • Prime Movers
  • Pulverisers
  • Road-Surfacers
  • Rollers
  • Service Trucks
  • Skid Steer Loaders
  • Suspended Access Equipment
  • Screening and Crushing systems
  • Tipping Truck and Trailers
  • Trenchers

HMIS Heavy Motor, Mobile Plant & Machinery Insurance Solutions

HMIS has for many years specialised in developing low cost insurance solutions for owners and operators of plant and machinery.

We offer great plant, machinery and motor insurance backed by Australia’s largest insurance companies so before your current policies expire, get a quote from us.

Our HMIS product is suited to businesses operating in the following industry segments;


Heavy haulage

Infrastructure Services



Piling & Shoring



Sand & Gravel


Road making

The HMIS advantage is in the significant enhancements not offered by an off-the-shelf policy; such as;

No Co-insurance or Average Clause (no penalty for under insurance)

Contractual Liability

No radius restrictions - Australia wide cover

Agreed value available

Automatic Additions up to $500,000

No age or inexperienced excesses applicable to plant and machinery operators

Unlimited Towing Costs following an accident or theft

Return of repaired unit to job site

Funeral expenses

Wet and Dry Hire

Hired In Plant / Vehicles

Retrieval Costs to recover immobilised unit where there is no damage

Latest News

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