Insurance for Earthmoving and Excavation

Why do earthmoving contractors need insurance?

Construction can be a dangerous field, especially for earthmovers and excavators. A simple accident or mistake could result in a claim against your company, damaged equipment, or a serious injury. Incidents like these (and plenty of others) could demolish your savings or your entire business. 

This is where earthmoving and excavator insurance can help. Instead of paying unexpected bills from your own pocket, your insurance could cover the losses for you. 

Who needs earthmoving and excavator insurance? 

Insurance for earthmoving and excavation can benefit different types of businesses, including: 

• Sole traders 

• Self-employed business owners 

• Excavation and earthmoving contractors 

• Construction contractors and businesses 

BizCover makes it easy to cover your small business. Compare earthmover insurance quotes online and get covered instantly—no dramas! 

What types of insurance do earthmovers and excavators need? 

Public Liability

The most common type of cover for earthmovers, Public Liability insurance* may be required to just set foot on a construction site. Many clients will not hire excavators and earthmoving contractors who don’t have a policy. Excavation liability insurance may also be required to lease an office to run your business from or warehouse space where you can store your tools and equipment. 

Business Insurance Package

A lot can go wrong when you run an excavation and earthmoving business. You might decide to buy a Business Insurance Package* that conveniently covers a variety of common risks, from your stock and tools to your commercial buildings and their contents. 

Business Insurance packages can be customised to include many types of coverage, such as Building*, Contents*, Portable Equipment*, Machinery Breakdown* and much more. 

How much does earthmoving and excavator insurance cost? 

Earthmovers and excavators pay an average of $108.26 per month for their insurance with BizCover. That’s based on over 1,200 earthmoving and excavation contractors who got covered with us in FY2024†.  

Of course, every business is different. The amount you pay for earthmoving insurance depends on many factors, such as the type of services you provide, how many people are covered by a policy, and the types of cover you choose, to name a few.