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A business pack is built for premises, contents and general liability. It’s a good product for the business it was designed for, and earthmoving isn’t that business. The common gaps are mobile plant and registered trucks sitting outside the pack or under-covered, underground services and vibration excluded from liability, hired-in and dry hire arrangements not […]

For earthmoving and civil contractors, civil liability insurance means liability coverage built for civil works. It responds to injury or damage to third parties, plus site-specific risks like damage to underground services and vibration or removal of support. The same words are also used for the ‘civil liability’ wording on professional indemnity policies, which is […]

The earthmoving and civil contracting industries are evolving rapidly, and with change comes the need for insurance solutions that keep pace. With over 35 years of expertise, HMIS has consistently delivered comprehensive and tailored coverage to businesses operating in these sectors. As we step into 2025, here are the top insurance tips to ensure your […]

January in Queensland marks the height of cyclone and storm season—a period characterised by heavy rain, strong winds, and an elevated risk of property damage. For businesses in the earthmoving and allied industries, it’s a time to be extra vigilant about protecting equipment, assets, and operations. If your business is adding new equipment or services […]

An end-of-year insurance checklist for your business assets As the festive season approaches, businesses across earthmoving, heavy industries and trades face a pivotal moment. Whether your operations are winding down for a well-deserved break or ramping up to meet demand, now is the perfect time to assess your insurance coverage and ensure you’re protected against […]

As storm season approaches, it’s crucial for civil contractors and heavy industry professionals to ensure their equipment is ready to withstand adverse weather conditions. Protecting your heavy machinery is not only about preservation; it’s also about safeguarding your business and investment. Here are essential tips to help you prepare your machinery for storm season: Conduct […]

Understanding the most common insurance claims can help you improve your risk management and better protect your business. Let’s take a look at the common insurance claims for those in earthmoving and civil industries. Liability Claims Minimise your exposure to liability claims, such as damage to third parties’ property with these tips: • Implement quality […]

Making sure that the plant and equipment in your business is adequately insured is crucial for maintaining operational continuity and financial stability. Here are three essential steps to help you secure the right coverage: Assess Your Needs The first step is to identify your specific insurance requirements. Consider the types of coverage you might need, […]

Some words have multiple meanings and when it comes to contract law, you will want to ensure that you know exactly what you are getting yourself into. The impact of misunderstanding a word or a misplaced punctuation mark, can have serious consequences. While there are multiple aspects to a contract, in this instance we will […]

As a heavy equipment owner, protecting your assets and ensuring the success of your business is paramount. One crucial aspect of safeguarding your investment is securing the right insurance coverage. However, navigating the complex landscape of insurance can be daunting, and many heavy equipment owners unknowingly make common mistakes that can have serious consequences. In […]