Backed by more than 35 years of experience

We Know Heavy Motor. We Know Machinery. We Know Insurance.

Tailored insurance programs for Australian businesses in earthmoving, civil construction, transport, heavy haulage and mobile plant.

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Get a Quote Today

Tell us what you run and we will come back to you with a tailored quote.

By submitting this form, you consent to HMIS collecting, using and disclosing your personal information for the purposes of responding to your enquiry and providing insurance.

Contact Us Today

By submitting this form, you consent to HMIS collecting, using and disclosing your personal information for the purposes of responding to your enquiry and providing insurance.

Consider the Product Disclosure Statement (PDS) before making any decision about this insurance product.

Cover That Fits Your Operation

Insurance specialists for Australia's heavy industries.

Heavy Motor and Machinery Insurance Solutions was built because off-the-shelf insurance never matched how plant and machinery businesses actually operate, so we created one tailored program with the cover that matters most, reviewed and improved every year.

Built for the people who run the equipment: owners, directors, operations managers and fleet managers
Program shaped around your operation, assets and risk, not a generic policy
Reviewed and improved annually to stay ahead of your needs
Servicing businesses Australia-wide

WHAT WE INSURE

One program. Every asset you run.

From a single excavator to a national fleet, we can arrange cover across four core areas and bring them together under one insurance program with one point of contact.

Heavy Motor and Transport

Prime movers, tipping trucks and trailers, service trucks and the commercial vehicles your business runs on. Cover for the gear that moves your gear.

Mobile Plant and Machinery

Any fixed or mobile unit set up as a tool of trade, including all attachments, whether fixed to the unit or not. Excavators, dozers, loaders, graders, rollers, bobcats, forklifts, EWPs and more.

Liability

A unique liability cover formulated for earthmoving and allied industries, including contractual liability, damage to underground services, vibration, removal and weakening of support, and OH&S statutory protection. Subject to policy terms, conditions, exclusions and applicable sub-limits.

Financial Protection

Claims preparation costs, financial loss and hired-in plant cover, plus a maximum event excess and no average or underinsurance clause. Business interruption cover available on request.

* Subject to underwriting acceptance, policy terms, conditions and exclusions

Who We Work With

Built for the Industries That Do the Heavy Work.

If your business runs commercial vehicles, mobile plant or heavy machinery, this cover is built for you.

Earthmoving & site prep

Backhoes · Bobcats · Bulldozers · Compactors · Excavators · Graders · Loaders · Mobile drilling machinery · Rollers · Skid steer loaders · Trenchers

Farming

Tractors · Harvesters · Spray units · Header fronts · Chaser bins · Seed drills · Bale handlers · Irrigation equipment

Trucks & transport

Dump trucks · Prime movers · Service trucks · Tipping trucks and trailers

Lifting & access

Elevating work platforms · Forklifts · Lifting equipment · Suspended access equipment

Processing & production plant

Asphalt mixers · Concrete batching plants · Conveyor systems · Gravel processing plants · Pulverisers · Road surfacers · Screening and crushing systems

Power & site support

Barge mounted equipment · Electrical generators and transformers · Lighting towers

Running something that isn’t on this list? Ask us – there’s a good chance we can cover it.
Coverage subject to insurer acceptance and policy terms.

What our clients say

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Why HMIS

Why Businesses Choose HMIS.

Not all policies are created equal. We built HMIS because the options on the market fell short. Here is what is included in the program.

Benefits Included in the Program

How We Operate Differently

Cover That Actually Fits How Your Business Works.

We do not start with a generic product and work backwards. We start with your operation, what you run, where you work, and what risks you carry, and build the program from there.

We Speak Your Language

No jargon, no runaround. We explain what you are covered for in plain English, and tell you straight if there is a gap.

Reviewed and Improved Every Year

HMIS is not a set-and-forget product. We put the program through a thorough annual review so the cover keeps pace with how your industry is changing.

A Specialist on the Phone Who Knows Your Business

You'll speak with someone who knows your industry and understands how your business works.

Why HMIS is the Smart Choice for Australian Operators.

Many policies are designed for broader industries, whereas HMIS has been developed specifically for heavy motor and mobile plant operators. The HMIS program is built specifically for businesses in earthmoving, civil construction, farming, transport and heavy haulage. The difference shows up when you actually need to make a claim.

With HMIS

Unique liability cover built specifically for earthmoving and allied industries
Direct communication with the consultant handling your account
Accurate diagnosis before any quote, so you never pay for the wrong cover
Workmanship warranty on all repairs and sealing
Annual review and improvement, cover keeps pace with your industry

With Most Others

Free, No-Obligation Quote. Built for Your Industry.

Whatever you run, we will assess your operation accurately, quote clearly, and put a program in place that actually fits your business.

How It Works

Our Simple 3 Step Process.

Here is what happens from your first enquiry through to a program in place. No guesswork, no unnecessary steps. Just a clear process at every stage.

Step 1

Call or complete the quote form with your details and a description of your fleet, plant or equipment. The more detail you give us, the faster we move.

Step 2

We Assess Your Risk

A consultant reviews your operation, confirms what you run, identifies any gaps in your current cover, and provides a clear, tailored quote before anything is agreed.

Step 3

Program in Place

Once you approve the quote, we put your program in place and handle the paperwork. One renewal date, one point of contact, ongoing.

Agricultural cover

Cover for the machines that work your land.

Tractors, harvesters, headers and irrigation plant represent serious capital. The HMIS programme extends to agricultural contractors and farming operations. One programme across your mobile plant, vehicles and liability.

️ Risk-Free Service

100% Transparent. Backed by Our Guarantees.

We stand behind every program we build with clear commitments on every job.

Fixed Price Promise

We quote before we start. The price we give you is the price you pay. No surprise line items.

Accurate Diagnosis First

We identify your actual risk before we quote. You will never pay for cover that does not match your operation.

Reviewed Every Year

Your program is reviewed and updated annually so your cover keeps pace with your business as it grows.

The right cover matters most when something goes wrong. Get it in place today.

Local coverage

Proudly Servicing Businesses Australia-Wide.

We work with businesses across the state and territory. Local knowledge of Australian conditions, national reach for every operation.

Trusted by Professionals

We Work Directly With the People Responsible for Keeping Equipment on the Job.

We have spent more than 35 years working alongside earthmoving contractors, fleet managers and civil businesses across Australia. That depth of experience means we know what your operation actually needs and we build your cover around that, not around what is easiest to sell.

Frequently Asked Questions

Got a question about our process, pricing, or how we operate? Find the answers right here, or call us directly on 1800 629 701.

Do I need business interruption insurance?

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.

Do construction industry professionals need liability and professional indemnity insurance?

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.

How much does insurance cost for construction companies?

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.

Do all insurance companies provide the same policies?

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.

Do I need insurance to dry hire machinery?

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.

How much will it cost to insure a mini excavator?

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

What insurance do I need as a contractor?

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.

How much public liability is enough?

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.

What is contractual liability?

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.

Contact Us Today

By submitting this form, you consent to HMIS collecting, using and disclosing your personal information for the purposes of responding to your enquiry and providing insurance.

Backed by more than 35 years of experience

We Know Heavy Motor. We Know Machinery. We Know Insurance.

Tailored insurance programs for Australian businesses in earthmoving, civil construction, transport, heavy haulage and mobile plant.

5.0 Rating on Google

Get a Quote Today

Tell us what you run and we will come back to you with a tailored quote.

By submitting this form, you consent to HMIS collecting, using and disclosing your personal information for the purposes of responding to your enquiry and providing insurance.