Earthmoving Public Liability Insurance

Instant Public Liability Insurance Quote for Earthmovers

With a team of specialists with decades of combined experience, we are the leading earthmoving public liability insurance experts in Australia.

With comprehensive, affordable coverage options and an easy online quote form, we offer instant quotes tailored to your needs.

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How Much Is Public Liability Insurance?

The cost of public liability coverage for earthmovers is generally very affordable and can be as low as $30 a month.

However, the price can vary depending on your business type, location, size, the potential risk that you pose, and the annual turnover of your business.

Get an instant online public liability insurance quote today for pricing tailored to your business.

Common Coverage Amounts

The Quick Tradie

Standard

$5M
  • $5,000,000 Public Liability Cover.
  • Optional Tools Cover.
  • Coverage for up to 5 Employees.
  • Instant Quote and Purchase.
  • Cover in 5 minutes.
  • Certificate of Currency Emailed in Minutes.
Instant Quote
Popular
Advanced Cover

Professional

$10M
  • $10,000,000 Public Liability Cover.
  • Optional Tools Cover.
  • Coverage for up to 5 Employees.
  • Instant Quote and Purchase.
  • Cover in 5 minutes.
  • Certificate of Currency Emailed in Minutes.
Instant Quote
Advanced Cover

Super Cover

$20M
  • $20,000,000 Public Liability Cover.
  • Optional Tools Cover.
  • Coverage for up to 5 Employees.
  • Instant Quote and Purchase.
  • Cover in 5 minutes.
  • Certificate of Currency Emailed in Minutes.
Instant Quote
Insured excavator in front of a dozer

How to Get Public Liability Insurance

  1. Enter Your Details: Fill in your details in our online form to generate an online public liability insurance quote.
  2. Contact Us: If you’d prefer to talk to someone, call our trade insurance team to discuss your needs directly.
  3. Get Your Certificate of Currency: Once you have approved your quote, you will receive your Certificate of Currency within minutes.

With coverage for over 100 trades, organising your insurance has never been easier. Protect yourself and your employees today!

What Does Public Liability Insurance Cover?

Typical Inclusions

Typical Exclusions

Compensation costs for personal injury suffered by a third party (e.g. a customer, supplier or member of the public)
Compensation for damage to property owned by a third party due to your negligent business activities
The legal and defence costs associated with a covered claim
Compensation for damage of third-party goods not owned by you that are in your care, custody, or control
Coverage of either $5 million, $10 million, or $20 million
Many public liability policies also provide cover for product liability
Injuries to your employees
Damage to your own property
Costs of rectifying faulty workmanship or product recall
Professional negligence
Events occurring before or after the policy period
Aircraft products
Asbestos
Liquidated damages
Punitive damages where the insured party acted so badly that extra damages were awarded
Liabilities assumed under contract that the insured would not be liable for at common law

How Much Public Liability Insurance Do I Need?

To figure out how much public liability insurance you need, think about factors like:

  • Contract requirements: Do any of your contracts require a minimum level of public liability cover?
  • Industry standards: While there is no industry-wide minimum, certain trade associations may recommend specific levels of coverage.
  • Potential accidents and claim amounts: What kind of accidents could occur due to your business operations and what could be the potential cost of a claim?
  • Business size: How many employees do you have?
Earthmover with public liability insurance holding a shovel
Earthmovers with public liability insurance lined up in their dozers

Why Do You Need Public Liability Insurance?

Public liability insurance is essential for all self-employed earthmovers, subcontractors, and contractors for the following reasons:

  • Risk Exposure: Earthmovers face significant risks without an employer-employee relationship. Liability insurance effectively covers these risks, ensuring you are protected from potential claims.
  • Responsibility: As an earthmover, you are accountable for any property damage or personal injury caused on site. This includes potential issues that could arise long after the job is completed, even post-retirement.
  • Financial Protection: Liability insurance covers financial damages, legal defence costs, and other charges resulting from your actions, safeguarding your financial stability.
  • Worksite Access: Many building and construction companies require a Certificate of Currency (Certificate of Insurance) for site access, making public liability insurance crucial for securing work.

Ensuring you have appropriate public liability insurance helps protect your earthmoving business from potential claims and financial losses.

Why Choose Us?

We only provide insurance for tradies – that’s it.

Our focus on trade insurance means that we have massive group buying power which not only gets us a great price but also ensures that the wording of the policies is specifically suited to tradies.

We also offer competitive monthly payment options and tax audit cover is also included as standard in your trade insurance package.

Plus, as an added bonus, you’ll receive free legal advice, and this doesn’t just apply to business related issues, you can call with any legal issue you may have to receive a free initial consultation.

Trade insurance expert sitting at a desk

Testimonials

Excellent customer service, timely actions and great results, simply excellent brokerage
So easy to do online. When I had to get something changed spoke to Reagan and it was fixed in minutes. Great customer service.
Wayne is the best insurance broker around, I have used him for years. Great service and I would recommend him to others.
Years of service and Insurance I like their rates I like their workers, this round they organised my public liability ect from Sydney where I reside and Regan was a pleasure to deal with.Great service thankyou Team.
Straight forward, easy and reliable platform to buy insurance from
Top Notch Provider! A+ for customer Service!
Great, fast service from Sharyce! Had my cover in minutes!
All Trades Cover are the trades insurance experts. They're so friendly and fast. Best service and price. You're my favourite!
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FAQs

Due to the hazardous nature of some worksites, there are plenty of things that can go wrong. Thankfully, public liability insurance can cover some of these risks at a very affordable cost, and can protect a tradesman from some of the largest financial losses they can experience.

This type of insurance was designed to protect business owners from the financial risks of causing property damage or personal injury to other people in the day to day operation of their businesses. It doesn’t cover injuries to you (that’s personal accident and illness insurance) or your employees (that’s workers’ comp).

When your business activities causes property damage or personal injury to another person, you will generally be liable for any resulting financial costs. This can range anywhere from a few hundred dollars for a minor claim through to millions of dollars in extreme cases.

Rather than having to pay this money out of your own pocket and risking both your business and personal assets, you can get public liability cover. The insurance company will then take care of the financial payout – provided that the claim is within the policy limits.

Your time is precious. That is why we make it easy as possible to get your quote. Simply click here and complete the form to receive an online public liability insurance quote instantly.

Your business can be protected for up to $20,000,000. To find the right amount of coverage for you, we advise getting in touch with one of our expert insurance brokers.

As a sole trader, public liability is a popular choice of cover and provides a safe environment for third parties when they interact with you as a small business owner. For guidance as to whether this type of cover is right for your situation, click here.

No. Public liability cover was designed to protect business owners from the financial risks resulting from causing damage to property or personal injury to other people in the day-to-day operation of their business.

While each policy is a little different, there are several standard elements you will find in most business packs. Business insurance is an insurance package designed to provide cover for your business contents, stock, tools, and commercial premises when an insured event occurs such as a fire, a storm, theft or even accidental damage. A business insurance package can also cover your portable equipment and glass, as well as loss of revenue due to business interruption in specified circumstances. It also offers the option of selecting public liability cover – however, that is not automatically included.

If you are a tradesperson working on a building site or any customer premises, you will need an adequate public liability or third-party liability insurance policy. Additionally, if you own a motor vehicle, a motor vehicle insurance policy will also be necessary for protection and peace of mind.

As a sole trader, you have unlimited liability. This means that in the event of personal injury to a third party or damage caused by your business to someone else’s property, you could be liable for all debts and business expenses. If you are insured appropriately, your policy can cover expenses resulting from an incident as well as legal representation costs if necessary.

Yes, it is in your best interest to have enough public liability insurance coverage, even if you have not made any profit yet. There is always the possibility of an unexpected accident occurring when visiting a customer’s premises. Many contracting companies will not allow tradies or subbies to work on their jobs unless they carry public liability policies. It is advisable to sit down with your insurance broker to review your coverage and inform them of any changes in your business to ensure your policy remains effective and meets your needs.

Because your sub-contractors are considered to be self-employed, your public liability policy will likely not cover them. To protect yourself and your subbies, ask subcontractors about their public liability cover before they begin working with you. This is vital because there are cases where a company’s public liability cover has paid for damages caused by a sub-contractor but later went to the sub-contractor for reimbursement.

Make sure you check their Certificate of Currency, paying close attention to name on the certificate, date it was issued, occupation and policy period.

If you need public liability cover that covers your sub-contractors as well, you can contact us to discuss our options as we have tailored insurance options as well.

It is essential to note that public liability and professional indemnity insurance are part of business insurance covers dealing with compensation claims. The difference comes in due to the nature of the claims that the two policies cover.

For instance, public liability insurance helps protect you as a plumber against claims that clients and other people make for injury and property damages. Typically, this insurance helps cover accidents or problems that may arise when undertaking your activities on site.

On the other hand, professional indemnity insurance helps cover you for clients’ claims due to your professional negligence and errors-when you fail to deliver what the client wants, and they demand compensation. The professional indemnity insurance will help cover any damage or legal fee needed for compensation.

It is possible to cancel your policy when need be, if so you only get charged for the time you have been covered for.

There is no paperwork involved whatsoever when setting up your public liability insurance.

You don’t need to stress, give us a quick call on 1300 826 850 and we will update all changes for you and send you out the amended documents.

Same as above, give us a quick call on 1300 826 850 and we can send you the appropriate details to be completed.

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