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Earthmoving and Mobile Machinery

Mobile Plant and Equipment Cover

Cover for mobile plant and equipment, usually earthmoving equipment, can be a complex field to navigate. It is almost impossible to completely prevent equipment breakdowns and this usually results in other problems. Sometimes breakdown leads to bodily harm or consequential damage by delaying other operations. T&G Insurance Brokers provide the advantage of over 20 years of experience in such cover to help you find the best options for your business.


We take the stress out of claims. Our Claims Managers handle your claims directly, leveraging our expert knowledge of claims processes to ensure your claim is handled fairly and promptly. Incidents involving third parties can cause delays to your claim, often involving rigorous negotiation. We are well versed in the relevant legal precedents and expertly handle third party claims with your best interests in mind.

We have a dedicated claims team who are dedicated to handling your claim. Our Claims Managers are specialists…

Premium Funding

Commercial Insurers prefer large lump sums, but this can make cash flow management more difficult than it has to be. To make this easier for you, we can arrange small, regular insurance payments. We pay the insurance in lump sums on your behalf according to the insurer’s schedule, but you only pay on a schedule that better suits you.

Earthmoving & Mobile Plant Insurance

We have been specialising in the Earthmoving and Mobile Plant Industry for over 30 years and understand that no two businesses are the same. We know how to design and structure policies which will provide you with cover that is specific to your needs. We have a large and diverse client base, which has allowed us to identify gaps and modify our risk analysis and policy wordings to ensure we have all potential risks covered. Every business is different so we provide a thorough risk analysis of your business and identify risks which are unique to your business. Some of the areas which we concentrate are:

Earthmoving & Machinery Policy

  • Are you signing any contracts with your any third party including principal contractor and suppliers which require you to cover increased exposures
  • What policy structure is best for you considering flat premium or different excess and premium options
  • 2 or 3 year new for old replacement cover
  • Finance Payout in the event of a total loss
  • Downtime or Business interruption cover to provide you with income while your vehicle or machine is being repaired
  • Substitute Hire Vehicle
  • Market Value Policy or an Agreed Value Policy
  • Dry Hire and Wet Hire of Vehicles/Machinery
  • Damage Waivers
  • Breakdown
  • Cover for goods which are on hook and being lifted or lowered by your vehicle or machine
  • Dual or Multi Lift
  • Activities performed over water, on tidal areas, at airports or for rail authorities
  • Underground
  • Do you have any young or inexperienced drivers
  • Are you carrying any dangerous or hazardous goods and the potential cost of cleaning up these goods
  • Cost of cleaning up non dangerous or hazardous goods
  • Non Owned Trailer In Control

Depot / Workshop / Warehouse / Contents

Marine Insurance

  • Marine Insurance to cover the goods being carried
  • Marine Liability Insurance covering your liability to goods being carried
  • Loss of profit to the owner of the goods being carried

Public and Products Liability

  • Understand maximum potential exposures in setting limits of liability
  • Check you are covered for all indemnities you are picking up when signing contracts
  • If designing consider resultant damage, injury  or financial loss resulting from error  in design
  • Does the business do work on or around boats, aeroplanes or railways
  • Environmental Protection
  • Liquidated damages

Faulty Workmanship

Workers Compensation make sure all your workers are covered including contractors deemed workers and in different states

Group or Individual Personal Accident and Sickness

Management Liability covering:

  • Statutory Liability for a breach of government acts including chain of responsibility, transport related fines and penalties
  • Employment Practices covering employment related incidents such as Unfair Dismissal, Bullying, Sexual Harassment, failure to promote
  • Directors and Officers Liability covering Directors and Responsible Officers for a wrongful act
  • Fidelity to cover the theft of employees
  • Tax Audit to cover accountants expenses
  • Reputation Expenses to protect your reputation

Travel Insurance providing protection for your travel within and outside Australia including cover for pre existing injury or illness

Trade Credit to protect you if a Debtor goes into liquidation

Cyber Crime to protect you from Virus and Encryption of your computer networks

Quick Enquiry

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Complimentary Review

To begin finding the best insurance for your earthmoving company, book your complimentary review today. So that we can find opportunities to protect your assets and minimise liabilities, we explore your company’s operations. To book your review, contact T&G Insurance Brokers toll free on 1800 010 599.