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.
Heavy Motor & Machinery Insurance Solutions
About HMIS
The short version about HMIS. Specialist insurance for heavy motor, mobile plant and machinery, built for heavy industry and backed by NTI.
HMIS provides specialist insurance solutions for heavy motor, mobile plant and machinery, helping earthmoving, civil construction and heavy haulage businesses protect the assets that keep their operations moving. We're based in Maroochydore on the Sunshine Coast, we insure businesses Australia-wide, and when you call, you'll be talking to a specialist who knows the machines.
Since 2004
Our story
HMIS was built after years of watching heavy industry clients choose between policies that didn't fit, or accept exclusions that left them exposed. The policies on the market were written for other kinds of business and stretched to cover excavators, tippers and the liability that goes with them. Something always got compromised, and it was usually the part of the cover you'd need most.
So we did the work ourselves. We analysed the market, picked the strongest policy sections, extensions and limits available, and worked with NTI to combine them into one premium, purpose-built policy for heavy motor, mobile plant and machinery. HMIS has been insuring earthmoving and civil businesses since 2004, and the product gets a thorough review and improvement every year.
Our mission is to raise the standard of insurance for heavy motor, transport and machinery businesses in Australia.
Who we are
What HMIS is, and what we're not
We're a specialist, purpose-built insurance scheme for heavy industry. Commercial only. Earthmoving, civil construction, heavy haulage, mobile plant, quarrying, mining, drilling, cranes, and agriculture and forestry machinery. Every policy is tailored to your business, and we're in it for the long term, so expect a phone call before renewal rather than an invoice.
We're not a personal or retail insurer. No private cars, home and contents, caravans, boats or domestic risks. If your fleet is mainly utes and sedans, we're the wrong fit, although we're happy to insure those alongside your heavy gear. And you won't find us competing on the lowest premium. We're cost-effective for the cover you get, and we'd sooner tell you that plainly than chase a headline number.
If a business falls outside our expertise, we say so and point you in the right direction.
Our underwriter
Backed by NTI
HMIS is underwritten by NTI, a leading specialist heavy motor and transport insurer. For you, that means your claim is handled by people who deal with trucks and plant every day and understand how urgent it is to get a machine back to work.
Our approach
How we work
Contact us directly or through your broker, as the process is the same. We get to know your business first, then recommend. You'll hear what's covered and, just as importantly, what isn't, along with the exclusions, limits and excesses up front. And we stand beside you when you need it most, which is usually the day a machine stops.
- We recommend the right cover for your business, whatever the premium
- We never sell insurance to win business, and we don't pressure anyone into cover they don't need
- We never hide exclusions, limits or key conditions
- We never recommend cutting cover if it leaves you exposed
- We never promise the outcome of a claim
The HMIS policy
What our clients get
- One policy for heavy motor, mobile plant, machinery and liability
- No age or inexperience excesses for young operators of mobile plant
- No average or underinsurance clause
- Specialist liability cover, including damage to underground services (subject to reasonable precautions such as obtaining and following Before You Dig Australia plans), vibration, and removal or weakening of support
- Hired-in plant and goods on hook included as automatic benefits
- Wet and dry hire cover
- A proper review at every renewal, not a rubber stamp and a new invoice
Limits, conditions and exclusions apply to all of the above, and we'll take you through them before you sign.
Australia-wide
Where we work
Most of our clients are in Queensland, from the Sunshine Coast and Brisbane up through Rockhampton, Gladstone, Mackay and Townsville, and we're growing into the Hunter Valley and the Pilbara. The cover itself is Australia-wide.
Talk to a specialist
If you run earthmoving, civil or heavy haulage gear and you haven't had a quote from HMIS, we'd like to change that. Request a quote, call 1800 629 701 or email enquiries@hmis.com.au. We'll be in touch within one to two business days, and quotes usually take two to three days. See our industry solutions for how the cover fits your work.
Our Financial Services Guide and policy documents are available in the document library.
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.