We don’t do generic small business cover. We understand the specialised risks faced by earthmoving and excavation contractors working around underground services, unstable ground and tight site conditions.
Tell us a little about your business and we’ll be in touch to discuss your insurance requirements.
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Earthmoving and excavation work carries exposures most generic trade policies weren’t built around, underground services, unstable ground, heavy plant and strict principal contractor requirements. 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 excavators, earthmoving machinery, attachments and other business equipment, including options for protection while in transit or secured on-site, 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 underground services, utilities or third-party property while excavating or moving earth
Injury risks associated with operating heavy machinery, working in trenches and working around other contractors
Working as a subcontractor on mining, civil, infrastructure and other high-risk industrial sites
Damage to customer property or plant while earthworks, excavation or site preparation is being carried out
Theft or accidental damage to excavators, earthmoving machinery and other specialist equipment
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.
Damage to underground services and utilities is a key risk for earthmoving and excavation contractors, so it needs to be specifically considered when arranging cover, some policies treat this differently. We’ll confirm how any policy we discuss treats underground services and utility strikes, 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.
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