We don’t do generic small business cover. We understand the specialised risks faced by plant and equipment dry hire businesses across Australia.
Tell us a little about your business and we’ll be in touch to discuss your insurance requirements.
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Hiring out plant and equipment brings exposures most generic business policies weren’t built around, gear leaving your direct control, transport and on-site damage, and the liability that can follow when others are operating your machinery. Sol Insurance Brokers can help you explore cover options that reflect how you actually work.
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Cover for claims involving third-party injury or property damage arising from your business activities, subject to policy terms, conditions and exclusions.
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Cover for eligible plant and equipment on hire, including options for protection while off-site, in transit or in a hirer’s care, subject to policy terms.
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Financial support may be available if an insured accident or illness prevents you from working. Options can be tailored to eligible business owners and tradespeople.
Depending on your business and circumstances, additional covers may include, but are not limited to, Business Interruption, Workers Compensation, Cyber Insurance and Management Liability, where relevant and subject to policy terms, conditions and exclusions.
Damage to hired-out plant and equipment while in the hirer's care, custody or control
Injury risks associated with equipment breakdown, misuse or incorrect operation by hirers
Loss of hire income while damaged or lost equipment is repaired or replaced
Working as a supplier to construction, mining and other high-risk industrial sites
Theft or accidental damage to equipment while off-site or in transit
Contractual and site-specific insurance requirements imposed by principal contractors and major site operators
Important: The information provided on this page is general in nature and does not take into account your individual circumstances. Insurance cover, terms, conditions and exclusions vary between insurers and policies. Your insurance requirements will depend on your business activities, contracts, assets and individual circumstances. Please refer to the relevant policy wording and documentation for full details of cover. The risks listed above are general examples only, for illustrative purposes, and do not confirm that your individual policy will respond to any particular claim.
Equipment on hire to a customer is a key consideration for dry hire businesses, so it needs to be specifically considered when arranging cover, some policies treat this differently depending on where the equipment is and who has control of it. We’ll confirm how any policy we discuss treats equipment while on hire, subject to policy terms, conditions and exclusions.
Working as a subcontractor on mining, power generation, construction and other high-risk sites often comes with specific insurance requirements from principal contractors and site operators. Share those requirements with us and we’ll discuss the options that may be relevant for your business.
Once your cover is in place, we can arrange certificates of currency and help match them to the insurance requirements set out by builders, principal contractors and site operators. Timeframes can vary, so talk to us early, especially before mobilising to a new site.
Subcontractor and labour-hire arrangements can change your exposure. Depending on your business, your policy structure may need to account for them, or you may need to verify their own cover. Talk to a broker about the right structure for your crew.
Tools and equipment cover can include eligible welding equipment, generators and specialised tools, including options for protection while in transit or secured on-site, subject to policy terms.
Personal Accident & Illness cover may be relevant, financial support may be available if an insured accident or illness prevents you from working, with options that can be tailored to eligible business owners and tradespeople. It is not the same as an income protection policy; we’ll explain the difference.
Tell us a bit about your business and one of our brokers will be in touch.
Industry Insurance
Liability, plant and site-specific cover options for earthmoving and excavation contractors.
Industry Insurance
Liability, plant and site-specific cover options for mining contractors and subcontractors.
Industry Insurance
Liability, plant and mobile crane cover options for crane hire and operating businesses.
Trade Insurance
Liability, tools and commercial motor options for fitters and mobile mechanics.
