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Earth Moving and Excavation Insurance

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Insurance for Earth Moving and Excavation and Civil Construction

If you’re working as a tradie in earthmoving, excavation, or civil construction, having public liability insurance is a necessary part of operating your business. Whether you’re handling heavy-duty equipment such as excavators, bulldozers, or backhoes, the possibility of accidents is always present.

Public liability insurance safeguards you from claims if your work results in property damage or injury to others. Even with strict safety measures, the risks in earthmoving and excavation jobs remain high. Having public liability coverage helps protect your business from potential legal and financial claims.

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Duty of Disclosure

Please Review Carefully

Before proceeding, ensure you disclose all relevant information. Non‑disclosure may lead to denial or reduction of claims, cancellation of your policy, or voiding of the contract (in cases of fraud). If anything below triggers a “Yes”, be prepared to provide details when requested.

  1. Have you ever had an insurance policy cancelled, declined, or had special terms imposed?
  2. Have you ever been declared bankrupt?
  3. Have you ever been involved in a company or business that became insolvent or was subject to insolvency or voluntary administration (e.g. liquidation or receivership)?
  4. Have you ever been convicted of any criminal offence (other than minor traffic convictions)?
  5. Have you ever been liable for any civil offence or pecuniary penalty (exceeding $5,000)?

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  2. Have you had any Business or Personal Insurance claims in the last 5 years?
  3. Within the last 5 years, have you ever been charged or convicted of a criminal offence?

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What does Liability Insurance Cost for Earth Moving and Excavation?

The cost of liability insurance for Earth Moving and Excavation Tradies in Australia varies based on a number of things including the size of your business, the types of jobs you take on, and the amount of coverage you need – $5M, $10M, $20M or $50M.

$10m of Liability insurance for a Earth Moving and Excavation Tradesman can start from around $693 per year.

The above is an indicative quote only, based on a QLD Earth Moving and Excavation Tradesman with 100k turnover per year, no employees or subbies and $10m of liability. When considering what level of liability insurance to take, it’s important to consider your business. 

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How Much Liability Insurance should you consider for providing Earth Moving and Excavation services?

The amount of public liability insurance you’ll need will depend on the size and complexity of your projects. Many earthmoving and excavation tradies start with at least $10 million in coverage, although larger businesses or those working on high-risk jobs may opt for policies offering $20 million in protection. If your work involves public areas or high-value properties, it’s wise to consider higher limits. 


What makes Ausure the right choice for your Earth Moving and Excavation Insurance needs?

Our partnerships with Zurich, Chubb, CGU, QBE and other leading insurers mean competitive pricing and strong relationships to help us negotiate and achieve better outcomes for clients. This makes us the right choice for your earthmoving and excavation insurance needs.

Competitive Quotes

In a recent market comparison, our quotes were sometimes up to 50% cheaper than others provided by competitors. Instant quotes aren’t always better quotes – it’s worth the wait while we do the hard work in getting you appropriate cover options with competitive pricing.

Insurance Made Easy

We help make insurance simple and easy to manage – we can help with all of your insurance needs, from Public Liability, General Property (Tools Cover) and Personal Accident, right through to Commercial Motor, Business Packages and Corporate Travel (and more!)

Dedicated Account Manager

Your insurance policy is managed by the same person for the life of the policy. Not only does that mean that you have a real person that you can call - it means one point of contact for all of your insurance needs and questions.

Fast Quote Turnaround

Depending on your business and insurance requirements, we can usually provide quotes the same day (Monday to Friday) – to get you covered and on site quickly. Choose from an annual or pay by the monthly policy depending on your cashflow.

Full Claims Management

We provide full claims management - from lodgment to follow ups and escalations if needed. We work for you, not the insurer - and fight to get you the deserved claims outcome. Save stress and frustration by not having to deal with the insurer directly - we take care of the entire claims process for you.

Quotes from Leading Insurers

We compare quotes and cover options from leading Tradie insurers in Australia. Save time and money by letting us do the shopping around and comparing for you - we will provide you with a list of quotes from insurers that we believe offer the most competitive premiums and appropriate cover for your needs.

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We compare policies from trusted insurers, to find you the right cover at an affordable price. Check out some of our trusted partners below.

We provide you with quotes from some of Australia’s leading insurers for civil construction contract works insurance, earthmoving project insurance, or excavation site insurance, so you can pick a cover and price that’s right for you. Depending on your business requirements, we will aim to provide 3 comparable quotes. The number of quotes offered may be less if insurers are unable to provide cover, we will provide a quote on the most appropriate quotation. 

VERO
NTI
Chubb

What insurance should a Tradie or business providing Earth Moving and Excavation services consider?

Alongside public liability insurance, those in earthmoving and excavation should explore other important coverage types. General Property Insurance—often referred to as tools and equipment insurance—is vital to protect the valuable machinery and tools you use daily.

Personal Accident Insurance provides financial security in case you’re injured and unable to work. Depending on the nature of your projects, you may also need contract works insurance, which covers damage to construction sites or partially completed projects. 

Personal Accident Insurance

Personal Accident Insurance provides financial protection if you're injured and unable to work due to an accident on the job. For civil contractors and excavation tradies, injuries from operating heavy machinery or working on construction sites are real risks. This coverage ensures you receive an income while recovering.
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Public Liability Insurance

Public Liability Insurance is crucial for protecting your business from claims arising from property damage or injury caused by your work. Whether you're operating earthmoving equipment, digging trenches, or clearing land, accidents can happen. This insurance covers the costs of legal claims, ensuring your business stays protected.
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General Property (Tools Insurance)

General Property Insurance (tools and equipment insurance) is essential for protecting your machinery and tools.. Whether you're using excavators, backhoes, or bulldozers, this policy covers your equipment from theft, damage, or loss while on-site or in transit.
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Business Insurance for Tradies

Business Insurance provides comprehensive coverage for your business operations, protecting you against a range of risks such as property damage, theft, and liability claims. For civil contractors and earthmoving tradies, this type of insurance can include coverage for tools, equipment, vehicles, and more.
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Commercial Motor Insurance

For those in the earthmoving and excavation industries, your vehicles are essential to your business. Commercial Motor Insurance covers your work vehicles, from trucks to utes and everything in between, protecting them against damage, theft, or ac
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Trade Credit Insurance

Trade Credit Insurance is vital for civil contractors and earthmoving tradies who provide services on credit terms. It protects your business from the risk of clients not paying for services rendered. If a client defaults or goes bankrupt, trade credit insurance ensures you still receive payment, safeguarding your cash flow.
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Contract Works Insurance

Contract Works Insurance is designed to cover construction projects that are underway, protecting against damage to the site, materials, or unfinished work. For civil contractors and earthmoving tradies, this policy ensures your projects are covered against unforeseen events like fire, theft, or storms.
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We make it easy to get insurance for Earth Moving and Excavation services – Australia wide.

We are the trusted, Insurance for Earth Moving and Excavation Insurance experts in Australia.

Ausure we care Insurance Broker

The types of Business Insurance we can help with:

  • Public Liability Insurance
  • Workers’ Compensation Insurance
  • Builder’s Risk Insurance (Contract Works Insurance)
  • Professional Indemnity Insurance
  • Commercial Auto Insurance
  • Equipment and Tool Insurance
  • Inland Marine Insurance
  • Commercial Property Insurance
  • Product Liability Insurance
  • Management Liability Insurance
  • Business Interruption Insurance

Civil construction contract works insurance, Earthmoving project insurance, or excavation site insurance in Queensland, Victoria, Western Australia, South Australia, Tasmania, New South Wales and the Northern Territory.

The types of Construction and Building businesses we can assist:

  • Home Builders
  • Renovation and Remodeling Contractors
  • Apartment and Multi-Unit Developers
  • Commercial Builders
  • Industrial Builders
  • Hospitality and Tourism Builders
  • Civil Engineering Contractors
  • Utility Contractors
  • Heavy Construction Contractors
  • Electrical Contractors
  • Plumbing and HVAC Contractors
  • Carpentry and Joinery Contractors
  • Roofing Contractors
  • Painting and Decorating Contractors
  • Concrete and Masonry Contractors
  • Landscaping and Site Preparation Contractors
  • Architectural Firms
  • Engineering Firms
  • Surveying Firms
  • Construction Project Management Firms
  • Construction Consulting Firms
  • Property Maintenance Services
  • Facility Management Services
  • Sustainable Builders
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