Mining Contractor Insurance for Small Operators (1–5 Staff)

Wherever you have employees on site, Mine Workers Compensation insurance is mandatory — and it must comply with the legislation in each state or territory where you operate.

We can assist with:

• Registering for the correct state jurisdictions for WA 
• Structuring policies for casuals, apprentices, or labour-hire workers
• Reducing risk from misclassification of subcontractors

Many principal contractors will request Certificates of Currency and require indemnity wording on your Workers’ Comp policies before allowing access to the site.

Your tools and equipment move with your team, from vehicles to remote sites, across regions and state lines. This insurance cover protects against theft, damage, or loss wherever your equipment is in use.

Coverage can include:

• Tools of the trade
• Portable electrical equipment
• Generators, small plant, and site equipment

We can customise your policies to ensure seamless cover across multiple work zones or interstate projects, giving your team confidence that critical equipment is protected at all times, on all sites. 

This policy protects your high-value mobile and fixed assets used across civil, mining, and construction projects. It covers damage, theft, fire, rollover, and certain mechanical breakdown events, whether your equipment is on site, in transit or under hire. 

Common inclusions:

• Excavators, skid steers, loaders, compressors
• Registered or unregistered plant
• Site use, floatage, and off-road coverage
• Optional cover for wet/dry hire usage
• Transit cover between job sites
• Option for Automatic additions and deletions 

We can also provide additional cover options for your business:

• Goods on Hook Insurance

Also known as Hook Liability, this provides cover for third-party property being lifted by your equipment — such as machinery, prefab structures, or switch rooms. This is essential for businesses operating cranes, truck-mounted cranes, or hiabs on mining, logistics, or construction sites.

• Hired-In Plant Cover

This covers plant and equipment you’ve leased — protecting against accidental damage, theft, fire, rollover, and often continuing hire charges if equipment is out of service. This is commonly required under hire agreements and helps protect against significant out-of-pocket costs, even if the damage wasn’t your fault.

We’ll structure your plant policy to align with contract requirements, site access obligations, and the way your business operates.

For businesses using vehicles to access sites, transport equipment, or manage mobile teams, standard car insurance won’t be enough. 

Commercial motor and fleet insurance policies are purpose-built to protect utes, trailers, trucks, and support vehicles used in day-to-day mining operations.

We assist with:

• Cover multiple vehicles under one schedule
• Add trailers, toolboxes, plant floats
• Include off-road and mine-access driving
• Option for Automatic vehicle additions and deletions 

Contract Works Insurance protects your project during the build, from early groundwork through to completion. It’s commonly required under contract and ensures your works, materials, and time on site are covered against unexpected events.

This cover typically includes:

• Damage to works in progress
• Theft or vandalism of materials or equipment
• Weather-related delays or disruptions

Your mining contractor insurance policies can be structured around individual projects or set up on an annual turnover basis to support multiple builds across your program of work.

Professional Indemnity is essential for contractors or consultants who provide advice, reporting, or sign-off on scopes of work. It protects your business if a client, contractor, or regulator alleges that your professional services caused financial loss.

You may need this if you:

• Provide WHS or safety advice
• Conduct site inspections or risk assessments
• Offer technical reporting, design, or consulting
• Are asked to sign off on scopes, methods, or compliance docs
• Operate as a mining engineer, supervisor, or consultant
• Design and Construct or engineering wording available 

Policies cover legal defence costs and settlements related to:

• Errors in documentation or advice
• Breach of duty or professional misconduct
• Claims made by clients, contractors, or regulators

Increasingly, site contracts require both Public Liability and Professional Indemnity, particularly for principal contractors, consultants, or anyone reporting to head office.

This cover protects business owners, directors, and senior managers from claims arising from decisions made in the course of running the business. It’s designed to safeguard individuals in leadership roles from legal and financial exposure, whether linked to employees, regulators, or corporate governance.

Protection may extend to:

• WHS breaches
• Employment disputes
• Allegations of mismanagement
• Investigations or fines

This cover is recommended for businesses that employ staff or contractors, operate as a Person Conducting a Business or Undertaking (PCBU), or hold responsibility for workplace safety and business conduct.

When critical machinery fails or project operations are unexpectedly delayed, the financial impact can be immediate — and significant. Business Interruption insurance cover is designed to protect your cash flow during periods of operational disruption.

This type of cover can respond to:

• Breakdown of owned plant and equipment
• Delays caused by theft, fire, or insured damage
• Off-hire periods after a claimable loss
• Other insured events that impact your ability to trade

It can help support equipment finance obligations, ongoing wages, and lost revenue — providing financial stability while you’re offline.

Unsure if your current cover supports your downtime risk? Our team can review your setup and recommend solutions tailored to your business operations.

Standard Workers Compensation often doesn’t extend to business owners, directors, or key decision-makers. 

Personal Accident & Illness insurance is designed to protect your income and financial stability if you’re injured or unable to work due to illness, particularly if you’re not on payroll or fall outside traditional employee classifications.

It is commonly taken out by:

• Directors and executive team members
• Owners or partners in family-run or joint venture businesses
• Key operators not covered under Workers Comp

Optional benefits may include lump sum payments for accidental death, permanent disablement, or specific injury-related capital benefits.

Work-related travel carries risk, especially across remote sites, regional hubs, or FIFO schedules. Corporate Travel Insurance is designed to protect staff and key personnel while travelling for business, covering medical events, disruptions, and gear losses along the way.

Commonly, this is used for:

• Flight cancellations and delays
• Medical emergencies away from home
• Lost or stolen work equipment
• Travel for shutdowns, remote site work, or supplier meetings

Leisure travel can also be included for directors or trips that combine business and personal travel.

Contracts and tenders often require tailored insurance wording that goes beyond standard cover. 

Our team works closely with mining contractors and commercial teams to structure policies that align with your specific project obligations, so nothing gets held up at award or mobilisation.

All Trades Cover can help you with:

• Specific project requirements
• Joint ventures
• Tender documents
• Client insurance checklists

If you provide the relevant contract or insurance clause, we’ll confirm your cover is compliant and fit for purpose.

If your mining business operates from a depot, workshop, or admin office, Business Package insurance protects the physical base that keeps your contracts moving. It combines multiple essential covers into one policy, giving you a flexible solution to protect your premises, equipment, and day-to-day operations.

Includes cover for:

• Buildings, contents, and on-site assets
• Stock, tools, and office equipment
• Fire, theft, vandalism, storm, and water damage
• Business interruption (lost income during downtime)
• Glass, signage, and portable electronics
• Optional Public & Products Liability for premises-based risks

Whether you’re running a small mobile crew or managing multiple depots across regions, we’ll structure a business package that suits your operation, keeping you covered from the front desk to the field.

Tax Audit insurance covers the professional costs associated with responding to an official audit, review, or investigation by the ATO or other government agencies. Even compliant businesses can be selected for audit, and the process can be time-consuming and expensive.

This policy typically covers:

• ATO audits of income tax, GST, PAYG, superannuation, or FBT
• Payroll tax and WorkCover compliance reviews
• Accountant, bookkeeper, or legal representation costs
• Assistance with document preparation and lodgement
• Responses to data-matching or contractor classification queries

Recommended for:

• Companies engaging subcontractors or labour-hire workers
• Businesses with fluctuating wages, turnover, or claims
• Contractors operating across multiple states or jurisdictions

We’ll ensure your cover aligns with the scale and complexity of your business, helping reduce financial disruption if an audit occurs, and allowing your team to stay focused on operations, not paperwork.

Cyber insurance protects your business from the growing risks of cybercrime, data breaches, and digital disruption. As more mining contractors adopt cloud-based systems for quoting, reporting, and job management, the exposure to cyber threats has increased significantly.

This policy typically includes:

• Ransomware attacks and cyber extortion
• Data breaches involving employee, client, or contractor info
• Business interruption from system outages or malware
• Legal defence and regulatory fines
• Incident response and forensic investigation costs

Relevant for:

• Contractors using cloud-based software or CRM systems
• Businesses storing sensitive project or HR data
• Companies reliant on digital communications and supplier networks

Whether you’re managing tenders, safety documentation, or scheduling via digital platforms, a cyber event can halt operations and damage trust. We’ll help ensure your policy responds appropriately and aligns with contract or compliance requirements.

Marine Transit insurance covers goods, tools, plant, and materials while in transit — by road, rail, air, or sea. This policy is essential for mining contractors moving high-value equipment between depots, suppliers, and job sites across Australia or internationally.

This cover typically includes:

• Loss or damage during transit
• Theft from unattended vehicles or depots
• Cover for third-party carriers or freight handlers
• Optional storage cover during layovers or consolidation
• Single shipment or annual cover available

Ideal for:

• Contractors transporting plant, prefab structures, or switch rooms
• Projects involving multiple delivery stages or site locations
• Businesses relying on third-party logistics providers

Many project contracts and supplier agreements now require evidence of transit cover. We’ll help you structure a policy that meets both your operational needs and your compliance obligations.