Plant Operators & Machinery Insurance for Small Businesses
You Operate the Equipment. We’ve Got the Insurance
Plant and machinery work carries real risks, whether you’re an owner-operator, running a small crew, or shifting between wet hire, dry hire, and hired-in gear. The right policy is one that works in practice, not just on paper.
Jobs can move quickly, and site access often depends on getting the paperwork right. One missing clause or the wrong Certificate of Currency can hold you up or leave you exposed if something goes wrong.
At All Trades Cover, we tailor machinery and equipment insurance to match your business, from plant damage to Public Liability and contract compliance. With cover that is quick to arrange, aligned with hire agreements, and adaptable as your fleet changes, we make sure nothing slows your projects down.
You Run the Operations, Guide the Crew. We Provide the Insurance.
Operating in the plant and machinery sector means managing far more than just the equipment. There are operators to coordinate, contracts to meet, compliance obligations to satisfy, and deadlines that leave little room for error. Your insurance has to keep pace with all of it.
You might be contracted to operate machinery, hire out gear, manage civil crews, or balance a mix of owned and hired-in plant across multiple projects. In every case, your plant and equipment insurance needs to do more than meet compliance; it has to protect the way you actually work.
From contracts requiring precise endorsements to the day-to-day realities of fleet changes, breakdowns, and mobilisation deadlines, we build machinery insurance programs that are flexible, responsive, and contract-ready. At All Trades Cover, we make sure your insurance supports your operations so projects keep moving without disruption.
Risk Protection Designed for Plant and Civil Projects
If you run plant or heavy machinery, you’re probably dealing with challenges like:
- Juggling wet and dry hire contracts with different insurance requirements
- Civil works projects that demand strict site compliance
- Jobs on public roads that require extra liability wording
- Certificates of Currency needing exact clauses like Principal’s Indemnity
- Constant additions and deletions as machines move on and off the books
- Risks around underground services, demolition, piling, or underpinning
You don’t have time to chase paperwork or argue over policy wording. With All Trades Cover, you get insurance that’s set up for how machinery and plant operators actually work: fast, compliant, and contract-ready.
Insurance Designed for Complex Plant Operations
Plant and machinery operations involve a level of risk and complexity that standard insurance often overlooks, especially as your projects expand.
You may be dealing with:
- Contractual obligations requiring specific insurance wording
- Mobilisation of plant and equipment across multiple sites
- Crews made up of employees, subcontractors or labour-hire
- High-value machinery operating in live or high-risk environments
- Ongoing safety, compliance and certification requirements
- Policy exclusions, high excesses or coverage gaps that go unnoticed
What Insurance Do You Need as a Small Plant Operator?
As a plant and machinery operator, you face risks that standard business insurance just doesn’t cover. Every day you’re dealing with heavy equipment, strict site conditions, and contracts that demand the right paperwork before you can even start the job.
From civil works and public road projects to wet or dry hire, demolition, piling, and underground services, your cover needs to match the way you actually work. Below are the types of heavy machinery insurance we recommend to keep your business protected on any site.
Public Liability Insurance
Contractor Plant & Machinery Insurance
Workers Compensation
Personal Accident & Illness Insurance
Contract Works Insurance
Workers Compensation Insurance
Tools and Equipment Insurance
Commercial Motor Insurance
Tax Audit Insurance
Public Liability Insurance
Working with heavy equipment puts you close to property, people, and plenty of risk. Public Liability insurance protects you if something goes wrong, like your machine causes damage or someone gets injured, and it’s usually the first thing councils, contractors, or project managers want sorted before you can get on site.
Most operators need between $5 million and $20 million in coverage or more, depending on the job. Site managers generally won’t read through the fine print, but they will check that your policy is current, your limits are high enough, and their business is listed if required. The detail still matters, though, if your policy wording doesn’t match the contract, you’re the one carrying the risk if there’s a claim.
That’s why we make sure your Public Liability insurance is set up properly, with:
- Third-party cover if your excavator, dozer, grader, crane, or other plant causes damage or injury
- Liability protection on construction, civil, mining, or demolition projects
- Cover when you’re operating hired-in machinery
- Protection for risks around mobile mechanics and onsite repair work
- Coverage for subcontractors, employees, and plant movement on site
- Contract clauses like Principal’s Indemnity and Cross Liability to keep paperwork watertight
- Certificates of Currency issued quickly with the wording your contracts ask for
We can extend your Public Liability for:
- Goods on Hook: Damage to third-party goods while being lifted, carried, or lowered
- Underground Services: Cover if you strike pipes, cables, or utilities
Vibration & Removal of Support (VROS): Cover for damage caused by ground movement or collapse during excavation
Contractor Plant & Machinery Insurance
Contracting on big jobs means more than just running your machines; it means meeting strict contract conditions. Contractor Plant & Machinery Insurance coverage protects the equipment you own or hire, while also covering the liability exposures that come with operating on site.
With All Trades Cover, we can build your Contractor Plant & Machinery insurance to cover:
- Owned, financed, leased, and hired-in plant and machinery
- Accidental damage, fire, theft, vandalism, and breakdown cover
- Options for wet hire and dry hire arrangements
- Machinery types including excavators, cranes, graders, loaders, rollers, telehandlers, skid steers, stump grinders, EWPs, service trucks, fuel trailers, compressors, attachments, and more
- Extensions for road risk, downtime, recovery, and third-party liability
- Additions and deletions to keep your fleet list up to date
- Goods on Hook cover for third-party items being lifted, carried, or lowered
- Underground Services and Downhole cover for trenching, boring, or drilling
- Contract clause support for Waivers of Subrogation, Principal’s Indemnity, and Cross Liability
- Certificates of Currency issued to match council, civil, and infrastructure project requirements
Having the right form of heavy equipment operator insurance is often a condition of site entry. We’ll make sure your gear, contracts, and liability are properly protected, so your machines don’t just move dirt, they move projects forward.
Workers Compensation
If you’ve got people on the books, even just casuals or part-timers, you’re legally required to have Workers’ Compensation in place. Each state has different rules, and it’s easy to get caught out if you’re not sure who counts as a ‘worker.’
We’ll help you:
- Set up the right Workers’ Comp policy for WA, but we can support NT placements and point you in the right direction throughout Australia.
- Classify employees and subbies correctly so there are no surprises at audit time
- Add Principal’s Indemnity where contracts or site requirements call for it
- Assist with wage declarations, estimates, and adjustments, and help you work out whether working directors need to be covered or not
- Lodge claims quickly and gives you advice on when and how to report incidents
- Handle the paperwork, including forms, supporting documents, and submissions
- Coordinate with your insurer to set up return-to-work plans, light duties, and rehab options
- Monitor claims to avoid cost blowouts and long-term premium hikes
- Stay across treatment plans, medical reports, and liability decisions with proactive insurer follow-up
If past claims have pushed up your rates, we can:
- Review your claims history and identify where issues started
- Advocate for fairer rates based on current safety measures or crew changes
- Help bring your premium rate down over time with the right approach
Even if your claims history is clean, we’ll still go into bat for you:
- Negotiate sharper rates with your insurer and make sure your account reflects your track record
Whether you’re running a tight crew or scaling up for council work, we’ll keep you compliant and properly covered.
Personal Accident & Illness Insurance
Machinery and plant work is physical, and one injury or illness can take you off the job and stop your income. If you are not covered by Workers’ Compensation, like most sole operators and small business owners, Personal Accident & Illness insurance gives you the backup you need.
Personal Accident & Illness insurance is designed to keep money coming in while you recover and is often one of the most important protections for operators running their own ABN.
This type of cover can be set up to include:
- Weekly payments to replace your income while you are unable to work
- A lump sum payout if you suffer a permanent injury or death
- Options to add medical, hospital, and rehab costs
- Cover that applies both on the job and outside of work hours
Whether you are operating an excavator, servicing gear as a heavy equipment mechanic, or running a small crew, we will help you lock in the right protection so you are not left short if something happens.
Contract Works Insurance
When your machinery is at the centre of a project, even one incident can stop progress. Fire, theft, storms, or accidental damage can leave the site exposed and the cost in your lap. Contract Works insurance protects works in progress, materials, and temporary structures so projects stay on track.
For plant and machinery operators, this cover is often written into contracts for civil, council, and infrastructure jobs. Site managers won’t sit there combing through policy wording, they’ll mainly check your cover limit is high enough and that their business is listed if required. But if the fine print in your policy doesn’t line up with the contract, you’re still the one carrying the risk if there’s a claim.
Your Contract Works insurance can be arranged to cover:
- Works in progress, including materials and site structures
- Protection against fire, theft, storm, and accidental damage
- Owned and hired-in plant and equipment
- Single projects or annual cover for multiple jobs
Certificates of Currency that meet council and civil contract requirements
Workers Compensation Insurance
If you’ve got people on the books, you’re legally required to have Workers’ Compensation insurance in place. Each state runs its own scheme with different rules, and it’s easy to get caught out if you’re not clear on who counts as a ‘worker.’
For plant and machinery operators, this often includes crew like dogmen, riggers, mechanics, and even part-time labourers. If they’re injured on site, Workers’ Compensation is what keeps your business compliant and your team supported.
We’ll help you manage Workers’ Comp with cover for:
- Set up the right Workers’ Compensation policy for WA, with support for NT placements and guidance across the rest of Australia
- Classify operators, mechanics, and subcontractors correctly so there are no surprises at audit time
- Add Principal’s Indemnity where council or civil contracts require it
- Assist with wage declarations, estimates, and adjustments, and work out whether working directors need to be covered
- Lodge claims quickly and advise you on when and how to report incidents
- Handle the paperwork, including forms, supporting documents, and submissions
- Coordinate with your insurer on return-to-work plans, light duties, and rehab options
- Monitor claims to avoid cost blowouts and long-term premium hikes
- Stay across treatment plans, medical reports, and liability decisions with proactive insurer follow-up
If past claims have pushed up your rates, we can:
- Review your claims history and identify where issues started
- Advocate for fairer rates based on improved safety measures or changes in your crew
- Help bring your premium rate down over time with the right strategy
Even if your claims history is clean, we’ll still make sure we:
- Negotiate sharper rates with your insurer
- Make sure your account reflects your strong safety record
No matter if you’re running a tight two-man crew or scaling up with multiple operators and machines across civil projects, we’ll keep you compliant, properly covered, and supported when claims happen.
Tools and Equipment Insurance
Also known as General Property Insurance, this cover protects the portable gear that keeps your plant and machinery business running. From welders and compressors to the tools in your ute, losing equipment to theft or damage can stop work in its tracks.
With All Trades Cover, your Tools & Equipment insurance can be tailored to include:
- Hand tools, power tools, and diagnostic equipment
- Welders, compressors, and portable service gear
- Items stored in vehicles, trailers, or site containers
- Optional extras for open-air theft and remote access sites
We also cover the specialist gear operators often carry, such as:
- Laser levels and site measuring equipment
- Fuel transfer pumps, hoses, and bunded tanks
- Battery-powered tools like cordless grease guns and drills
- Small welders, generators, and pressure washers
- Lifting chains, slings, shackles, and rigging gear
- Hydraulic jacks and porta powers
- Workshop toolboxes, vehicle-mounted toolboxes, or canopy setups
- Safety gear including PPE kits, harnesses, and lockout/tagout kits
- Diagnostic or testing equipment such as scan tools
- Mobile lighting towers (if not classed as plant)
- Spare tyres or wheels for trailers or float trucks
- UHF radios and mobile communication devices
- Laptops or tablets for job sheets, telemetry, or prestarts
Tools & Equipment insurance is a simple add-on to your Contractor Plant and Machinery insurance, ensuring high-value items are properly listed and insured for their full value, not just a low per-item limit.
Commercial Motor Insurance
Your work vehicles are just as important as your plant. If your utes, trucks, or trailers are out of action due to an accident, theft, or damage, the whole job slows down. Commercial Motor Insurance protects the vehicles that keep your business moving.
With All Trades Cover, your Commercial Motor insurance can include:
- Cars, utes, trucks, trailers, and support vehicles
- Cover for accidental damage, theft, fire, and third-party liability
- Agreed or market value cover
- Hire vehicle options if yours is off the road
- Multi-vehicle cover for growing fleets
- Cover for signwriting, accessories, and finance payout
Commercial Motor insurance is often paired with Plant and Heavy Equipment insurance, so both your vehicles and machinery are covered and site-ready.
Tax Audit Insurance
ATO or state revenue audits are stressful and costly, even if your books are in order. Professional fees from accountants and advisers can stack up fast. Tax Audit Insurance covers those costs so you can focus on running your business.
With All Trades Cover, we’ll make sure your Tax Audit insurance takes care of:
- Cover for ATO or state revenue audits, reviews, and investigations
- GST, BAS, PAYG, Superannuation, and WorkCover reviews
- Accountant, bookkeeper, and legal adviser fees
- Cover for your business, directors, and employees
- Optional extensions for subbies and related entities
For plant and machinery operators, audits often focus on wage declarations, subcontractor classifications, and fuel tax credits. Even a simple review can drag on and cost you thousands. This cover makes sure you have expert support without the big bill.
Public Liability Insurance
Working with heavy equipment puts you close to property, people, and plenty of risk. Public Liability insurance protects you if something goes wrong, like your machine causes damage or someone gets injured, and it’s usually the first thing councils, contractors, or project managers want sorted before you can get on site.
Most operators need between $5 million and $20 million in coverage or more, depending on the job. Site managers generally won’t read through the fine print, but they will check that your policy is current, your limits are high enough, and their business is listed if required. The detail still matters, though, if your policy wording doesn’t match the contract, you’re the one carrying the risk if there’s a claim.
That’s why we make sure your Public Liability insurance is set up properly, with:
- Third-party cover if your excavator, dozer, grader, crane, or other plant causes damage or injury
- Liability protection on construction, civil, mining, or demolition projects
- Cover when you’re operating hired-in machinery
- Protection for risks around mobile mechanics and onsite repair work
- Coverage for subcontractors, employees, and plant movement on site
- Contract clauses like Principal’s Indemnity and Cross Liability to keep paperwork watertight
- Certificates of Currency issued quickly with the wording your contracts ask for
We can extend your Public Liability for:
- Goods on Hook: Damage to third-party goods while being lifted, carried, or lowered
- Underground Services: Cover if you strike pipes, cables, or utilities
Vibration & Removal of Support (VROS): Cover for damage caused by ground movement or collapse during excavation
Contractor Plant & Machinery Insurance
Contracting on big jobs means more than just running your machines; it means meeting strict contract conditions. Contractor Plant & Machinery Insurance coverage protects the equipment you own or hire, while also covering the liability exposures that come with operating on site.
With All Trades Cover, we can build your Contractor Plant & Machinery insurance to cover:
- Owned, financed, leased, and hired-in plant and machinery
- Accidental damage, fire, theft, vandalism, and breakdown cover
- Options for wet hire and dry hire arrangements
- Machinery types including excavators, cranes, graders, loaders, rollers, telehandlers, skid steers, stump grinders, EWPs, service trucks, fuel trailers, compressors, attachments, and more
- Extensions for road risk, downtime, recovery, and third-party liability
- Additions and deletions to keep your fleet list up to date
- Goods on Hook cover for third-party items being lifted, carried, or lowered
- Underground Services and Downhole cover for trenching, boring, or drilling
- Contract clause support for Waivers of Subrogation, Principal’s Indemnity, and Cross Liability
- Certificates of Currency issued to match council, civil, and infrastructure project requirements
Having the right form of heavy equipment operator insurance is often a condition of site entry. We’ll make sure your gear, contracts, and liability are properly protected, so your machines don’t just move dirt, they move projects forward.
Workers Compensation
If you’ve got people on the books, even just casuals or part-timers, you’re legally required to have Workers’ Compensation in place. Each state has different rules, and it’s easy to get caught out if you’re not sure who counts as a ‘worker.’
We’ll help you:
- Set up the right Workers’ Comp policy for WA, but we can support NT placements and point you in the right direction throughout Australia.
- Classify employees and subbies correctly so there are no surprises at audit time
- Add Principal’s Indemnity where contracts or site requirements call for it
- Assist with wage declarations, estimates, and adjustments, and help you work out whether working directors need to be covered or not
- Lodge claims quickly and gives you advice on when and how to report incidents
- Handle the paperwork, including forms, supporting documents, and submissions
- Coordinate with your insurer to set up return-to-work plans, light duties, and rehab options
- Monitor claims to avoid cost blowouts and long-term premium hikes
- Stay across treatment plans, medical reports, and liability decisions with proactive insurer follow-up
If past claims have pushed up your rates, we can:
- Review your claims history and identify where issues started
- Advocate for fairer rates based on current safety measures or crew changes
- Help bring your premium rate down over time with the right approach
Even if your claims history is clean, we’ll still go into bat for you:
- Negotiate sharper rates with your insurer and make sure your account reflects your track record
Whether you’re running a tight crew or scaling up for council work, we’ll keep you compliant and properly covered.
Personal Accident & Illness Insurance
Machinery and plant work is physical, and one injury or illness can take you off the job and stop your income. If you are not covered by Workers’ Compensation, like most sole operators and small business owners, Personal Accident & Illness insurance gives you the backup you need.
Personal Accident & Illness insurance is designed to keep money coming in while you recover and is often one of the most important protections for operators running their own ABN.
This type of cover can be set up to include:
- Weekly payments to replace your income while you are unable to work
- A lump sum payout if you suffer a permanent injury or death
- Options to add medical, hospital, and rehab costs
- Cover that applies both on the job and outside of work hours
Whether you are operating an excavator, servicing gear as a heavy equipment mechanic, or running a small crew, we will help you lock in the right protection so you are not left short if something happens.
Contract Works Insurance
When your machinery is at the centre of a project, even one incident can stop progress. Fire, theft, storms, or accidental damage can leave the site exposed and the cost in your lap. Contract Works insurance protects works in progress, materials, and temporary structures so projects stay on track.
For plant and machinery operators, this cover is often written into contracts for civil, council, and infrastructure jobs. Site managers won’t sit there combing through policy wording, they’ll mainly check your cover limit is high enough and that their business is listed if required. But if the fine print in your policy doesn’t line up with the contract, you’re still the one carrying the risk if there’s a claim.
Your Contract Works insurance can be arranged to cover:
- Works in progress, including materials and site structures
- Protection against fire, theft, storm, and accidental damage
- Owned and hired-in plant and equipment
- Single projects or annual cover for multiple jobs
Certificates of Currency that meet council and civil contract requirements
Workers Compensation Insurance
If you’ve got people on the books, you’re legally required to have Workers’ Compensation insurance in place. Each state runs its own scheme with different rules, and it’s easy to get caught out if you’re not clear on who counts as a ‘worker.’
For plant and machinery operators, this often includes crew like dogmen, riggers, mechanics, and even part-time labourers. If they’re injured on site, Workers’ Compensation is what keeps your business compliant and your team supported.
We’ll help you manage Workers’ Comp with cover for:
- Set up the right Workers’ Compensation policy for WA, with support for NT placements and guidance across the rest of Australia
- Classify operators, mechanics, and subcontractors correctly so there are no surprises at audit time
- Add Principal’s Indemnity where council or civil contracts require it
- Assist with wage declarations, estimates, and adjustments, and work out whether working directors need to be covered
- Lodge claims quickly and advise you on when and how to report incidents
- Handle the paperwork, including forms, supporting documents, and submissions
- Coordinate with your insurer on return-to-work plans, light duties, and rehab options
- Monitor claims to avoid cost blowouts and long-term premium hikes
- Stay across treatment plans, medical reports, and liability decisions with proactive insurer follow-up
If past claims have pushed up your rates, we can:
- Review your claims history and identify where issues started
- Advocate for fairer rates based on improved safety measures or changes in your crew
- Help bring your premium rate down over time with the right strategy
Even if your claims history is clean, we’ll still make sure we:
- Negotiate sharper rates with your insurer
- Make sure your account reflects your strong safety record
No matter if you’re running a tight two-man crew or scaling up with multiple operators and machines across civil projects, we’ll keep you compliant, properly covered, and supported when claims happen.
Tools and Equipment Insurance
Also known as General Property Insurance, this cover protects the portable gear that keeps your plant and machinery business running. From welders and compressors to the tools in your ute, losing equipment to theft or damage can stop work in its tracks.
With All Trades Cover, your Tools & Equipment insurance can be tailored to include:
- Hand tools, power tools, and diagnostic equipment
- Welders, compressors, and portable service gear
- Items stored in vehicles, trailers, or site containers
- Optional extras for open-air theft and remote access sites
We also cover the specialist gear operators often carry, such as:
- Laser levels and site measuring equipment
- Fuel transfer pumps, hoses, and bunded tanks
- Battery-powered tools like cordless grease guns and drills
- Small welders, generators, and pressure washers
- Lifting chains, slings, shackles, and rigging gear
- Hydraulic jacks and porta powers
- Workshop toolboxes, vehicle-mounted toolboxes, or canopy setups
- Safety gear including PPE kits, harnesses, and lockout/tagout kits
- Diagnostic or testing equipment such as scan tools
- Mobile lighting towers (if not classed as plant)
- Spare tyres or wheels for trailers or float trucks
- UHF radios and mobile communication devices
- Laptops or tablets for job sheets, telemetry, or prestarts
Tools & Equipment insurance is a simple add-on to your Contractor Plant and Machinery insurance, ensuring high-value items are properly listed and insured for their full value, not just a low per-item limit.
Commercial Motor Insurance
Your work vehicles are just as important as your plant. If your utes, trucks, or trailers are out of action due to an accident, theft, or damage, the whole job slows down. Commercial Motor Insurance protects the vehicles that keep your business moving.
With All Trades Cover, your Commercial Motor insurance can include:
- Cars, utes, trucks, trailers, and support vehicles
- Cover for accidental damage, theft, fire, and third-party liability
- Agreed or market value cover
- Hire vehicle options if yours is off the road
- Multi-vehicle cover for growing fleets
- Cover for signwriting, accessories, and finance payout
Commercial Motor insurance is often paired with Plant and Heavy Equipment insurance, so both your vehicles and machinery are covered and site-ready.
Tax Audit Insurance
ATO or state revenue audits are stressful and costly, even if your books are in order. Professional fees from accountants and advisers can stack up fast. Tax Audit Insurance covers those costs so you can focus on running your business.
With All Trades Cover, we’ll make sure your Tax Audit insurance takes care of:
- Cover for ATO or state revenue audits, reviews, and investigations
- GST, BAS, PAYG, Superannuation, and WorkCover reviews
- Accountant, bookkeeper, and legal adviser fees
- Cover for your business, directors, and employees
- Optional extensions for subbies and related entities
For plant and machinery operators, audits often focus on wage declarations, subcontractor classifications, and fuel tax credits. Even a simple review can drag on and cost you thousands. This cover makes sure you have expert support without the big bill.
What Insurance Do You Need as a Mid-Sized Heavy Machinery Operator?
As your operation scales, mobilises across regions, and takes on more specialised staff, your machinery insurance must keep pace. Cover that once met your needs may no longer support your full risk profile, especially when navigating asset exposure, subcontractor liability and evolving contract terms.
Here’s the type of protection you may need to consider, tailored for plant and heavy machinery operators managing larger fleets, multi-site activity and increased operational risk.
Public Liability Insurance
Contractor Plant and Machinery Insurance
Contract Works Insurance
Workers’ Compensation
Business Package Insurance
General Property Insurance
Commercial Motor Fleet Insurance
Corporate Travel Insurance
Tax Audit Insurance
Management Liability/Directors & Officers
Public Liability Insurance
Operating plant and heavy machinery places your business in close contact with people, property, and high-risk environments. Public Liability insurance is essential to protect you if your operations cause third-party injury or property damage, and it is almost always a non-negotiable requirement before site access is granted.
Civil contractors, councils, and project managers typically require between $5 million and $20 million in cover or more, depending on contract terms. While site supervisors rarely review the fine print, they will confirm that your Public Liability insurance is current, that limits are sufficient, and that their organisation is listed where required. What matters just as much is the detail within the policy: endorsements, exclusions, and liability clauses must align with contract obligations, or the risk sits with you.
We arrange Public Liability insurance for plant and machinery operators that includes:
- Third-party injury and property damage caused by excavators, graders, bulldozers, cranes, and other heavy equipment
- Liability associated with operating on construction, civil, mining, or demolition sites
- Cover for liability exposures when operating hired-in machinery
- Protection for mobile servicing and repair work undertaken by heavy equipment mechanics
- Recognition of subcontractors, fleet risks, and multi-site operations
- Contract-required clauses such as Principal’s Indemnity and Cross Liability
- Goods on Hook: Damage to third-party items being lifted, carried, or lowered by plant
- Underground Services: Cover for accidental strikes on pipes, cables, and utilities
- Vibration & Removal of Support (VROS): Cover for damage caused by ground movement or collapse during excavation
- Certificates of Currency issued promptly, tailored to meet civil, council, and infrastructure requirements
For the protection of your own equipment, we arrange Contractor Plant & Machinery insurance coverage or Hired-In Plant insurance, ensuring your assets are insured alongside your liability risks.
Contractor Plant and Machinery Insurance
Contracting on large projects requires more than reliable machinery; it requires insurance that aligns with strict contractual and compliance standards. Contractor Plant & Machinery Insurance coverage protects the equipment you own, lease, or hire, while also addressing the liability exposures that come with operating in high-risk environments.
With All Trades Cover, we arrange Contractor Plant & Machinery insurance tailored to your business, including:
- Owned, financed, leased, and hired-in plant and machinery
- Protection against accidental damage, fire, theft, vandalism, and breakdown
- Coverage structured for both wet hire and dry hire arrangements
- A wide range of machinery types, including excavators, cranes, graders, loaders, rollers, telehandlers, skid steers, stump grinders, EWPs, service trucks, fuel trailers, compressors, attachments, and more
- Extensions for road risk, downtime, recovery costs, and third-party liability
- Additions and deletions to ensure fleet schedules remain accurate as assets change
- Goods on Hook covers for damage to third-party items during lifting or movement
- Underground Services and Downhole cover for trenching, boring, or drilling operations
- Contract clause support for Waivers of Subrogation, Principal’s Indemnity, and Cross Liability
- Certificates of Currency issued promptly and in line with civil, council, and infrastructure project requirements
Having the right form of heavy equipment operator insurance is a standard entry requirement across civil, mining, and infrastructure projects. We ensure your policies not only protect your assets and liability exposures but also meet the compliance needs of project managers, financiers, and principal contractors.
Contract Works Insurance
When your machinery is central to project delivery, even a single incident can bring progress to a standstill. Fire, theft, storm damage, or accidental loss can leave worksites exposed, with delays, downtime, and financial risk falling back on your business.
Contract Works insurance provides cover for works in progress, construction materials, and temporary structures, helping to keep projects on track and contracts protected.
For plant and machinery operators, this cover is often a contractual requirement on civil, infrastructure, and council projects. Site managers usually won’t comb through your policy wording; they’ll only check that your limits are high enough and that their organisation is noted as an Interested Party if required. But the fine print still matters. If the endorsements and clauses don’t match the contract, the risk falls back on you. That’s where we step in.
At All Trades Cover, we can structure your Contract Works insurance to include:
- Cover for works in progress, construction materials, and temporary site structures
- Protection against fire, storm, theft, and accidental damage
- Owned and hired-in plant and equipment (where required)
- Single-project policies or annual Contract Works insurance across multiple jobs
- Certificates of Currency issued promptly and tailored to meet civil and council contract requirements
Contract clause support to ensure your policy aligns with Principal’s Indemnity, Cross Liability, and other site-specific terms
Workers’ Compensation
If you employ staff, you’re legally required to hold Workers’ Compensation insurance. Each state operates under its own scheme, and compliance can quickly become complex, particularly when determining who qualifies as a ‘worker.’
For plant and machinery businesses, this often includes dogmen, riggers, mechanics, and part-time or contract labour. If someone is injured on site, Workers’ Compensation protects your business and supports your team through recovery.
At All Trades Cover, we manage the setup, administration and ongoing compliance of your Workers’ Compensation program, including:
- Establishing the correct policy structure for WA, with guidance for NT placements and national operations
- Correctly classifying employees, subcontractors and labour-hire to avoid audit issues
- Adding Principal’s Indemnity where required for civil or council contracts
- Assisting with wage declarations, estimates and end-of-year adjustments
- Advising on director coverage and determining obligations for working owners
- Managing claims from initial lodgement through to return-to-work planning
- Coordinating paperwork, supporting documentation and insurer communication
- Monitoring open claims to reduce blowouts and control future premium increases
- Overseeing rehabilitation plans, medical reporting and liability assessments
If you’ve had historical claims:
- We’ll review your claims history to identify trends or misclassification issues
- Advocate for reduced rates based on improved safety procedures
- Develop a strategy to help lower your premium over time
If your record is clean:
- We’ll negotiate competitive rates that reflect your safety performance
- Ensure your policy accurately represents your workforce and risk profile
No matter the size or structure of your operation, All Trades Cover provides the insurance expertise and support you need to stay compliant, minimise disruption, and manage risk with confidence.
Business Package Insurance
Running a plant and machinery operation means managing equipment, overseeing crews, and delivering projects across multiple sites, often under tight timelines and complex contract conditions. It also means protecting the tools, assets, and income that keep your business operational.
A Business Package insurance policy combines core protections into one coordinated program. This approach reduces your administrative workload, avoids duplicate coverage, and ensures consistent protection across all aspects of your business.
Your Business Package insurance can be tailored to include:
- General Property insurance for tools, plant, and hired equipment stored in depots, workshops, or vehicles
- Public and Products Liability insurance, with limits aligned to project and compliance requirements
- Property cover for fire, storm, and impact damage at your place of business or storage yards
- Theft and vandalism cover for equipment held on site, in transit, or on vehicles
- Business Interruption insurance to support continuity after an insured event
- Transit insurance for plant, tools, and materials moving between sites
As your business grows in scale and complexity, your insurance program needs to evolve with it. Rather than managing multiple disconnected policies, we’ll build a tailored, consolidated solution that supports operational efficiency, protects key assets, and keeps your compliance on track.
All Trades Cover specialises in insurance solutions for plant operators, civil contractors, and construction businesses. We’ll design a business machinery insurance package that:
- Scales with your operations
- Reflects your specific risk profile
- Meets commercial and regulatory obligations
General Property Insurance
Also known as Tools and Equipment insurance, General Property cover protects the portable gear that keeps your operation moving. From diagnostic instruments and power tools to welders and mobile service equipment, the loss or damage of key items can lead to costly delays and downtime.
At All Trades Cover, we structure General Property insurance for plant and machinery operators to include:
- Hand tools, power tools, and diagnostic gear
- Welders, compressors, and portable service units
- Items stored in vehicles, trailers, or secure site containers
- Optional cover for open-air theft and remote or unattended sites
We also cover the specialist gear operators often carry, such as:
- Laser levels and site measuring equipment
- Fuel transfer pumps, hoses, and bunded tanks
- Battery-powered tools like cordless grease guns and drills
- Small welders, generators, and pressure washers
- Lifting chains, slings, shackles, and rigging gear
- Hydraulic jacks and porta-powers
- Workshop toolboxes (often stored in utes or trailers)
- Safety gear such as PPE kits, harnesses, and lockout/tagout gear
- Vehicle-mounted toolboxes or canopy setups
- Mobile lighting towers (if not classed as plant)
- Spare tyres or wheels for trailers or float trucks
- UHF radios and mobile communication devices
- Laptops or tablets used for job sheets, telemetry, or prestarts
This cover is a valuable extension to your Contractor Plant & Machinery insurance, ensuring high-value tools and portable gear are properly listed and insured at full replacement value, not subject to low per-item limits.
Commercial Motor Fleet Insurance
Commercial Motor Fleet insurance provides cover for registered vehicles used for business purposes, from tool-of-trade vehicles to prime movers and service trucks.
At All Trades Cover, we tailor fleet insurance solutions for:
- Civil contractors and plant operators with mixed-use vehicles
- Businesses with mobile service teams, supervisors and site managers
- Companies managing vehicle use across construction, mining and infrastructure projects
- Businesses needing protection for leased, owned and employee-driven vehicles
Your fleet policy can be structured to include:
- Comprehensive or third-party cover across multiple vehicles
- Windscreen, hail, and accidental damage cover
- Hire vehicle or downtime support following an insured loss
- Cover for attached trailers, toolboxes and fitted accessories
- Flexibility for vehicle changes, substitutions and additions
- Claims support and documentation to meet project and principal requirements
We manage your motor insurance so that your operations stay mobile, with policy terms that keep you compliant, cost-effective and ready to respond when things go wrong.
Corporate Travel Insurance
When project schedules depend on mobility, across states, borders or into international markets, Corporate Travel insurance is essential in protecting both your people and your business from the financial impact of travel disruptions, medical emergencies and equipment loss.
For plant and machinery operators, civil contractors and construction professionals, business travel often involves more than flights and accommodation. Delayed baggage, missed connections or incidents while in transit can disrupt delivery timelines, affect procurement or increase operational pressure on your team.
All Trades Cover structures your Corporate Travel insurance solutions to align with your business operations, commercially focused, flexible and designed to integrate with your broader risk strategy.
We can assist with:
- Comprehensive travel cover for directors, employees and contractors working across Australia or overseas
- Medical expenses, emergency evacuation and hospitalisation for injuries or illness while travelling
- Cover for trip cancellations, flight delays and missed connections
- Protection for lost or stolen tools, laptops, documents and business-critical equipment
- Hire vehicle excess and liability cover for domestic and international use
- Optional extensions to cover accompanying family members where required
- Alignment with your wider insurance program to maintain consistency and compliance
From site inspections and international equipment sourcing to interstate project briefings, we ensure your Corporate Travel insurance supports continuity, compliance, and peace of mind wherever business takes you.
Tax Audit Insurance
As your business grows, so does your reporting responsibility, and with that, the potential for tax audits, reviews or investigations by the ATO and other government bodies.
Tax Audit insurance covers the professional fees and associated costs incurred when your business is subject to a tax audit or compliance review. This includes accountants, tax agents, legal advisers and other professionals needed to respond effectively and meet deadlines.
For businesses operating across multiple projects, managing subcontractors, or navigating complex payroll and GST structures, a formal audit can disrupt operations and tie up internal resources. Tax Audit Insurance ensures you have the right support, without taking a financial hit.
All Trades Cover can structure Tax Audit insurance to assist with:
- ATO audits, investigations and reviews
- BAS, GST, PAYG, Superannuation and Fringe Benefits Tax audits
- Payroll tax, WorkCover and other state-based reviews
- Coverage for accountants, legal fees and external advisory services
- Coordination with your accountant or bookkeeper during the audit process
- Integration with your broader business insurance program
Management Liability/Directors & Officers
Running a plant and machinery business involves more than managing equipment. It also means leading teams, overseeing commercial decisions, and ensuring compliance across every part of the business.
Management Liability insurance protects both the company and its key decision-makers from claims related to governance, employment practices, financial conduct, and regulatory compliance.
Cover can include:
- Directors and Officers Liability for claims made against owners, directors or senior managers
- Employment Practices Liability for disputes involving unfair dismissal, harassment or discrimination
- Statutory Liability for WHS breaches, investigations or regulatory penalties (where legally insurable)
- Crime Cover for internal fraud, employee dishonesty or theft by third parties
- Tax Audit and Regulatory Investigation Cover, including legal expenses and professional fees
This type of cover is particularly relevant for operators managing staff, subcontractors, depots or multiple sites, where business decisions carry legal and financial consequences.
All Trades Cover works with directors and business owners to structure policies that protect corporate and personal assets, support compliance and reduce exposure to business management risks.
Public Liability Insurance
Operating plant and heavy machinery places your business in close contact with people, property, and high-risk environments. Public Liability insurance is essential to protect you if your operations cause third-party injury or property damage, and it is almost always a non-negotiable requirement before site access is granted.
Civil contractors, councils, and project managers typically require between $5 million and $20 million in cover or more, depending on contract terms. While site supervisors rarely review the fine print, they will confirm that your Public Liability insurance is current, that limits are sufficient, and that their organisation is listed where required. What matters just as much is the detail within the policy: endorsements, exclusions, and liability clauses must align with contract obligations, or the risk sits with you.
We arrange Public Liability insurance for plant and machinery operators that includes:
- Third-party injury and property damage caused by excavators, graders, bulldozers, cranes, and other heavy equipment
- Liability associated with operating on construction, civil, mining, or demolition sites
- Cover for liability exposures when operating hired-in machinery
- Protection for mobile servicing and repair work undertaken by heavy equipment mechanics
- Recognition of subcontractors, fleet risks, and multi-site operations
- Contract-required clauses such as Principal’s Indemnity and Cross Liability
- Goods on Hook: Damage to third-party items being lifted, carried, or lowered by plant
- Underground Services: Cover for accidental strikes on pipes, cables, and utilities
- Vibration & Removal of Support (VROS): Cover for damage caused by ground movement or collapse during excavation
- Certificates of Currency issued promptly, tailored to meet civil, council, and infrastructure requirements
For the protection of your own equipment, we arrange Contractor Plant & Machinery insurance coverage or Hired-In Plant insurance, ensuring your assets are insured alongside your liability risks.
Contractor Plant and Machinery Insurance
Contracting on large projects requires more than reliable machinery; it requires insurance that aligns with strict contractual and compliance standards. Contractor Plant & Machinery Insurance coverage protects the equipment you own, lease, or hire, while also addressing the liability exposures that come with operating in high-risk environments.
With All Trades Cover, we arrange Contractor Plant & Machinery insurance tailored to your business, including:
- Owned, financed, leased, and hired-in plant and machinery
- Protection against accidental damage, fire, theft, vandalism, and breakdown
- Coverage structured for both wet hire and dry hire arrangements
- A wide range of machinery types, including excavators, cranes, graders, loaders, rollers, telehandlers, skid steers, stump grinders, EWPs, service trucks, fuel trailers, compressors, attachments, and more
- Extensions for road risk, downtime, recovery costs, and third-party liability
- Additions and deletions to ensure fleet schedules remain accurate as assets change
- Goods on Hook covers for damage to third-party items during lifting or movement
- Underground Services and Downhole cover for trenching, boring, or drilling operations
- Contract clause support for Waivers of Subrogation, Principal’s Indemnity, and Cross Liability
- Certificates of Currency issued promptly and in line with civil, council, and infrastructure project requirements
Having the right form of heavy equipment operator insurance is a standard entry requirement across civil, mining, and infrastructure projects. We ensure your policies not only protect your assets and liability exposures but also meet the compliance needs of project managers, financiers, and principal contractors.
Contract Works Insurance
When your machinery is central to project delivery, even a single incident can bring progress to a standstill. Fire, theft, storm damage, or accidental loss can leave worksites exposed, with delays, downtime, and financial risk falling back on your business.
Contract Works insurance provides cover for works in progress, construction materials, and temporary structures, helping to keep projects on track and contracts protected.
For plant and machinery operators, this cover is often a contractual requirement on civil, infrastructure, and council projects. Site managers usually won’t comb through your policy wording; they’ll only check that your limits are high enough and that their organisation is noted as an Interested Party if required. But the fine print still matters. If the endorsements and clauses don’t match the contract, the risk falls back on you. That’s where we step in.
At All Trades Cover, we can structure your Contract Works insurance to include:
- Cover for works in progress, construction materials, and temporary site structures
- Protection against fire, storm, theft, and accidental damage
- Owned and hired-in plant and equipment (where required)
- Single-project policies or annual Contract Works insurance across multiple jobs
- Certificates of Currency issued promptly and tailored to meet civil and council contract requirements
Contract clause support to ensure your policy aligns with Principal’s Indemnity, Cross Liability, and other site-specific terms
Workers’ Compensation
If you employ staff, you’re legally required to hold Workers’ Compensation insurance. Each state operates under its own scheme, and compliance can quickly become complex, particularly when determining who qualifies as a ‘worker.’
For plant and machinery businesses, this often includes dogmen, riggers, mechanics, and part-time or contract labour. If someone is injured on site, Workers’ Compensation protects your business and supports your team through recovery.
At All Trades Cover, we manage the setup, administration and ongoing compliance of your Workers’ Compensation program, including:
- Establishing the correct policy structure for WA, with guidance for NT placements and national operations
- Correctly classifying employees, subcontractors and labour-hire to avoid audit issues
- Adding Principal’s Indemnity where required for civil or council contracts
- Assisting with wage declarations, estimates and end-of-year adjustments
- Advising on director coverage and determining obligations for working owners
- Managing claims from initial lodgement through to return-to-work planning
- Coordinating paperwork, supporting documentation and insurer communication
- Monitoring open claims to reduce blowouts and control future premium increases
- Overseeing rehabilitation plans, medical reporting and liability assessments
If you’ve had historical claims:
- We’ll review your claims history to identify trends or misclassification issues
- Advocate for reduced rates based on improved safety procedures
- Develop a strategy to help lower your premium over time
If your record is clean:
- We’ll negotiate competitive rates that reflect your safety performance
- Ensure your policy accurately represents your workforce and risk profile
No matter the size or structure of your operation, All Trades Cover provides the insurance expertise and support you need to stay compliant, minimise disruption, and manage risk with confidence.
Business Package Insurance
Running a plant and machinery operation means managing equipment, overseeing crews, and delivering projects across multiple sites, often under tight timelines and complex contract conditions. It also means protecting the tools, assets, and income that keep your business operational.
A Business Package insurance policy combines core protections into one coordinated program. This approach reduces your administrative workload, avoids duplicate coverage, and ensures consistent protection across all aspects of your business.
Your Business Package insurance can be tailored to include:
- General Property insurance for tools, plant, and hired equipment stored in depots, workshops, or vehicles
- Public and Products Liability insurance, with limits aligned to project and compliance requirements
- Property cover for fire, storm, and impact damage at your place of business or storage yards
- Theft and vandalism cover for equipment held on site, in transit, or on vehicles
- Business Interruption insurance to support continuity after an insured event
- Transit insurance for plant, tools, and materials moving between sites
As your business grows in scale and complexity, your insurance program needs to evolve with it. Rather than managing multiple disconnected policies, we’ll build a tailored, consolidated solution that supports operational efficiency, protects key assets, and keeps your compliance on track.
All Trades Cover specialises in insurance solutions for plant operators, civil contractors, and construction businesses. We’ll design a business machinery insurance package that:
- Scales with your operations
- Reflects your specific risk profile
- Meets commercial and regulatory obligations
General Property Insurance
Also known as Tools and Equipment insurance, General Property cover protects the portable gear that keeps your operation moving. From diagnostic instruments and power tools to welders and mobile service equipment, the loss or damage of key items can lead to costly delays and downtime.
At All Trades Cover, we structure General Property insurance for plant and machinery operators to include:
- Hand tools, power tools, and diagnostic gear
- Welders, compressors, and portable service units
- Items stored in vehicles, trailers, or secure site containers
- Optional cover for open-air theft and remote or unattended sites
We also cover the specialist gear operators often carry, such as:
- Laser levels and site measuring equipment
- Fuel transfer pumps, hoses, and bunded tanks
- Battery-powered tools like cordless grease guns and drills
- Small welders, generators, and pressure washers
- Lifting chains, slings, shackles, and rigging gear
- Hydraulic jacks and porta-powers
- Workshop toolboxes (often stored in utes or trailers)
- Safety gear such as PPE kits, harnesses, and lockout/tagout gear
- Vehicle-mounted toolboxes or canopy setups
- Mobile lighting towers (if not classed as plant)
- Spare tyres or wheels for trailers or float trucks
- UHF radios and mobile communication devices
- Laptops or tablets used for job sheets, telemetry, or prestarts
This cover is a valuable extension to your Contractor Plant & Machinery insurance, ensuring high-value tools and portable gear are properly listed and insured at full replacement value, not subject to low per-item limits.
Commercial Motor Fleet Insurance
Commercial Motor Fleet insurance provides cover for registered vehicles used for business purposes, from tool-of-trade vehicles to prime movers and service trucks.
At All Trades Cover, we tailor fleet insurance solutions for:
- Civil contractors and plant operators with mixed-use vehicles
- Businesses with mobile service teams, supervisors and site managers
- Companies managing vehicle use across construction, mining and infrastructure projects
- Businesses needing protection for leased, owned and employee-driven vehicles
Your fleet policy can be structured to include:
- Comprehensive or third-party cover across multiple vehicles
- Windscreen, hail, and accidental damage cover
- Hire vehicle or downtime support following an insured loss
- Cover for attached trailers, toolboxes and fitted accessories
- Flexibility for vehicle changes, substitutions and additions
- Claims support and documentation to meet project and principal requirements
We manage your motor insurance so that your operations stay mobile, with policy terms that keep you compliant, cost-effective and ready to respond when things go wrong.
Corporate Travel Insurance
When project schedules depend on mobility, across states, borders or into international markets, Corporate Travel insurance is essential in protecting both your people and your business from the financial impact of travel disruptions, medical emergencies and equipment loss.
For plant and machinery operators, civil contractors and construction professionals, business travel often involves more than flights and accommodation. Delayed baggage, missed connections or incidents while in transit can disrupt delivery timelines, affect procurement or increase operational pressure on your team.
All Trades Cover structures your Corporate Travel insurance solutions to align with your business operations, commercially focused, flexible and designed to integrate with your broader risk strategy.
We can assist with:
- Comprehensive travel cover for directors, employees and contractors working across Australia or overseas
- Medical expenses, emergency evacuation and hospitalisation for injuries or illness while travelling
- Cover for trip cancellations, flight delays and missed connections
- Protection for lost or stolen tools, laptops, documents and business-critical equipment
- Hire vehicle excess and liability cover for domestic and international use
- Optional extensions to cover accompanying family members where required
- Alignment with your wider insurance program to maintain consistency and compliance
From site inspections and international equipment sourcing to interstate project briefings, we ensure your Corporate Travel insurance supports continuity, compliance, and peace of mind wherever business takes you.
Tax Audit Insurance
As your business grows, so does your reporting responsibility, and with that, the potential for tax audits, reviews or investigations by the ATO and other government bodies.
Tax Audit insurance covers the professional fees and associated costs incurred when your business is subject to a tax audit or compliance review. This includes accountants, tax agents, legal advisers and other professionals needed to respond effectively and meet deadlines.
For businesses operating across multiple projects, managing subcontractors, or navigating complex payroll and GST structures, a formal audit can disrupt operations and tie up internal resources. Tax Audit Insurance ensures you have the right support, without taking a financial hit.
All Trades Cover can structure Tax Audit insurance to assist with:
- ATO audits, investigations and reviews
- BAS, GST, PAYG, Superannuation and Fringe Benefits Tax audits
- Payroll tax, WorkCover and other state-based reviews
- Coverage for accountants, legal fees and external advisory services
- Coordination with your accountant or bookkeeper during the audit process
- Integration with your broader business insurance program
Management Liability/Directors & Officers
Running a plant and machinery business involves more than managing equipment. It also means leading teams, overseeing commercial decisions, and ensuring compliance across every part of the business.
Management Liability insurance protects both the company and its key decision-makers from claims related to governance, employment practices, financial conduct, and regulatory compliance.
Cover can include:
- Directors and Officers Liability for claims made against owners, directors or senior managers
- Employment Practices Liability for disputes involving unfair dismissal, harassment or discrimination
- Statutory Liability for WHS breaches, investigations or regulatory penalties (where legally insurable)
- Crime Cover for internal fraud, employee dishonesty or theft by third parties
- Tax Audit and Regulatory Investigation Cover, including legal expenses and professional fees
This type of cover is particularly relevant for operators managing staff, subcontractors, depots or multiple sites, where business decisions carry legal and financial consequences.
All Trades Cover works with directors and business owners to structure policies that protect corporate and personal assets, support compliance and reduce exposure to business management risks.
Common Insurance Queries for Plant Hire Contractors
Scenario:
You’ve picked up a big excavation job and need extra gear to get it done. The hire company asks for proof of insurance before they release the machine, but you’re not sure if your policy actually covers hired-in plant.
If the insurance doesn’t line up with the hire agreement, you could be stuck waiting, knocked back at site access, or left on the hook for the full cost if something goes wrong..
What we do at All Trades Cover:
- Go through the hire agreement so we know exactly what cover is needed
- Add hired-in plant cover or set up a blanket option so you’re ready to hire whenever you need to
- List the hire company on your Certificate of Currency
- Get updated paperwork back to you within hours so you can pick up the gear without delays
What you avoid when you work with us:
- Hold-ups collecting machinery or getting on site
- Arguments with hire companies over missing clauses or wording
- Paying out of pocket if the machine is stolen or damaged
- Stress about whether your insurance actually covers the hire
Scenario:
You’ve finally upgraded and bought a new excavator. The dealer tells you it can’t leave the yard until proof of cover is in place. You’ve already got plant insurance, but you’re not sure if the new machine is listed yet or how additions and deletions work.
Without the right cover, you can’t pick up the equipment, and the job you bought it for is already waiting.
What we do at All Trades Cover:
- Add the new machine to your Contractor Plant & Machinery insurance
- Talk to your financier to note their interest in the policy
- Handle additions and deletions quickly so your cover stays current
- Provide same-day Certificates of Currency so you can pick up the gear
What you avoid when you work with us:
- Jobs are being delayed while you chase your broker
- The finance or dealer refuses to release the machine
- Gaps in cover if your new gear isn’t properly listed
Scenario:
You’ve got one policy for trucks, another for tools, a separate one for liability, and a standalone cover for plant. Every renewal comes with new paperwork, new invoices, and no clear idea if the policies even work together.
If there’s an overlap, you’re overpaying. If there’s a gap, you’re at risk.
What we do at All Trades Cover:
- Review all your policies across trucks, tools, liability, and plant
- Consolidate them into one tailored package
- Make sure Contractor Plant and Machinery insurance works alongside your Commercial Motor and Tools cover
- Handle the renewals so it’s one contact, one invoice, and no confusion
What you avoid when you work with us:
- Paying twice for the same cover
- Missing key inclusions like breakdown, road risk, or public roads
- Wasting hours chasing multiple brokers for answers
When Project Demands Outpace Standard Policy Limits
Scenario:
You’ve secured a high-value excavation job and need additional machinery to deliver on time. The hiring company requests proof of insurance before releasing the equipment. You’re unsure if your current policy includes hired-in plant, and your insurer isn’t responding.
If your insurance doesn’t match the hire agreement, you risk delays, site access issues, or being held liable for the full replacement cost of the machine.
What we do at All Trades Cover:
- Review the hire agreement to confirm exactly what’s required
- Add or arrange a blanket hired-in plant cover if it’s missing from your policy so you’re ready to hire without delay
- List the hire company on your Certificate of Currency
- Issue updated documentation within hours so you can collect the equipment without delay
What you avoid when you work with us:
- Delays in collecting machinery or mobilising to the site
- Disputes with the hire company over insurance wording
- Paying out of pocket if hired equipment is damaged or stolen
- Being unsure about whether you need to add insurance when you need to hire equipment to complete a job
Scenario:
You’ve invested in a new excavator to support upcoming projects. The dealer advises that the machine can’t leave the yard until proof of insurance is provided. You already have a plant policy in place, but you’re unsure if the new asset is listed or how to update your cover.
Without the right documentation, the handover stalls, and the project the machine was purchased for is already underway.
What we do at All Trades Cover:
- Add the new machine to your Contractor Plant and Machinery Insurance
- Notify your financier and ensure their interest is correctly noted on the policy
- Process equipment additions and deletions promptly to keep your schedule on track
- Provide same-day Certificates of Currency so you can collect and deploy the asset without delay
What you avoid when you work with us:
- Project delays caused by missing insurance paperwork
- Finance providers or dealers refusing to release the equipment
- Gaps in cover if new assets aren’t correctly insured
Scenario:
Your business holds separate policies for vehicles, tools, liability, and plant. Each renewal comes with different paperwork, multiple contacts, and no assurance that your cover works as a unified risk strategy.
If there’s overlap, you’re likely overpaying. If there’s a gap, you’re exposed, and that exposure usually comes to light when it’s too late.
What we do at All Trades Cover:
- Review all current policies across the plant, vehicles, tools and liability
- Identify coverage gaps, duplications and administrative inefficiencies
- Consolidate policies into a streamlined, tailored insurance program
- Align Contractor Plant and Machinery Insurance with Commercial Motor, General Property and Liability cover
- Manage all renewals under one point of contact, with a single invoice and consistent documentation
What you avoid when you work with us:
- Double-paying for overlapping cover
- Missing essential protection, such as breakdown, road risk or third-party liability on public roads
- Wasting time managing multiple brokers or policy renewals
The Issues Plant Operators Call Us About Most
These are the kinds of calls we get at All Trades Cover every week:
- ‘I need to hire a machine for this job. Am I covered or not?’
- ‘Just bought new gear. What insurance do I need before I can even use it?’
- ‘The finance guys say they won’t release the equipment until they’re noted on the policy. Can you sort that?’
- ‘I’ve got one policy for the trucks, another for the tools, something else for liability… Can we just combine the lot?’
- ‘I want to hire out my machine whilst I’m not using it, is that possible?’
If any of that sounds like you, now’s the time to give us a call. Or if you’re flat out, send us a quote request online. One of our Aussie-based team members will get back to you within 15 minutes.
The Insurance Issues Plant and Machinery Operators Call Us About Most
We regularly hear from operators navigating challenges like these:
- ‘We’re hiring a machine for the next job. How do we know if it’s covered?’
- ‘We’ve just bought new equipment. What insurance needs to be in place before it leaves the yard?’
- ‘Our finance provider won’t release the machine until they’re listed on the policy. Can you take care of it?’
- ‘We’ve got one policy for trucks, another for tools, something separate for liability. Can we streamline the lot?’
- ‘I want to hire out my machinery, am I covered?’
These aren’t one-off problems; they’re day-to-day realities for businesses managing assets, schedules and compliance under pressure.
If these scenarios sound familiar, it’s worth speaking to a broker who understands the demands of plant operations, hire arrangements and project delivery.
At All Trades Cover, we build insurance programs designed for the way you work; responsive, efficient, and structured to meet both commercial and contractual requirements.
Trusted by Aussie Tradies for Over 30 Years
Proudly ranked in the Insurance Business Top Brokerages every year from 2013 – 2024.
What All Trades Cover Can Deliver You
Insurance That Fits the Job
Got a contract full of insurance requirements that don’t make sense? We’ll check every detail and line your cover up properly, so there are no nasty surprises when it counts.
Leave the Paperwork to Us
You don’t need to be an insurance guru. We’ll go through the contract and policy wording for you and break down what actually matters.
Quick Docs When You Need Them
Tight deadline? No problem. We’ll get urgent insurance paperwork turned around fast, so you’re ready to go without holding up the job.
Aligning Insurance With Contract Requirements?
For plant and heavy machinery operators working under commercial contracts or tenders, insurance compliance is often a condition of mobilisation. From liability limits and indemnity clauses to naming principals and meeting site-specific requirements, getting it right matters.
It’s not just about being insured. It’s about having a cover that aligns with the contract and protects your position.
How All Trades Cover supports plant and machinery operators:
- Review contract documents and translate insurance requirements into clear, actionable language
- Identify any gaps or compliance risks in your existing cover
- Work with underwriters to tailor policies to meet contractual obligations
- Provide access to broker-only products not available through retail or online channels
- Issue fully compliant Certificates of Currency, including correct naming conventions, liability limits and endorsements
- Assist in pushing back on unfair or unreasonable contract terms
At All Trades Cover, our team helps you meet contract requirements with confidence, minimise risk exposure, and maintain momentum across projects.
FAQs for Plant and Heavy Machinery Operators
Starting to wonder if your insurance still covers everything you’re actually doing on site? These FAQs are for operators taking on bigger jobs, managing more gear, and needing cover that lines up with contract and compliance demands.
Can I use hired equipment under my insurance?
Yes, but only if your insurance includes proper Hired-In Plant cover. Standard policies usually only protect the machines you own. If you hire gear and something goes wrong, like fire, theft, damage, or third-party injury, you could be left liable unless Hired-In Plant is specifically included.
How we set it up at All Trades Cover
We arrange cover in two ways, depending on how you operate:
- Blanket Hired-In Plant Cover
- Best for operators who hire gear regularly throughout the year
- Automatically covers equipment up to an agreed limit
- No need to notify us every time you hire
- Ideal if you need flexibility and fast mobilisation
- Specified Hired-In Plant Cover
- Designed for high-value or one-off hires
- Each machine is listed with its value and hire period
- Suited for specialist or long-term hire equipment
Your policy setup options
Hired-In Plant insurance can be arranged as:
- A standalone policy if you mostly hire and do not own plant or heavy machinery
- An extension to your Contractor Plant & Machinery insurance, so owned and hired gear are covered together under one program
Why it’s better than a hire company’s damage waiver
Hire company waivers are not full insurance. They usually come with:
- High excesses
- Limited theft or damage cover
- No protection for third-party injury or property damage
- Conditions that can still leave you liable after an incident
Waiver fees also add up quickly over time, especially on longer jobs, while still leaving gaps in coverage.
With Hired-In Plant cover arranged by All Trades Cover, you stay in control of your risk, your costs, and your compliance, with proper insurance that matches the way you work and not just the hire company’s paperwork.
Can I hire out my own equipment?
Yes, but you will need more than a basic Plant and Equipment policy. Once your gear leaves site and is out of your control, especially under dry hire (machine only, no operator), you are exposed to different risks. If the machine is damaged, causes injury, or delays a job, you could be liable unless your insurance is set up with the right extensions.
How we tailor your cover at All Trades Cover
We arrange Contractor Plant and Machinery insurance with a hired-out plant extension that covers:
- Dry hire and wet hire (with operator) arrangements
- Third-party liability for property damage or injury
- Breakdown, recovery, and debris removal costs
- Road risk for machines working near public roads or accessways
- Additions and deletions for rotating or seasonal plant fleets
- Certificates of Currency that meet civil, contractor, or principal site wording
What We’ll Also Help You Decide
- Whether to offer a damage waiver to hirers, and how that affects your cover
- How your hire terms and conditions shape your liability
- What to include in your hire agreement to reduce disputes at claim time
- How to structure your policy so you are not left exposed when plant is off-site
At All Trades Cover, we do more than list machines on a policy. We help you hire with confidence, protect your liability, and keep your business covered every step of the way.
Am I covered to work on public roads?
Not by default. Many policies exclude work on public roads or road reserves unless it’s clearly written in. If you’re grading shoulders, trenching, transporting plant, or working around traffic, you need cover that reflects those risks.
We’ll make sure your Public Liability and Plant Operator insurance includes:
- Liability protection while operating on public roads, reserves, and access tracks
- Extensions that cover civil works, demolition, or utility projects
- Certificates of Currency that match council or civil contract requirements
We’ll also review your Dial Before You Dig obligations, because public road works often require underground service cover as part of compliance.
Does my insurance cover civil works?
Not unless it’s been set up for it. Civil works contracts usually come with tighter insurance conditions than private jobs, including higher limits and mandatory clauses. Without them, you can be denied site access.
We’ll align your cover by:
- Reviewing your contracts for civil jobs, demolition, piling and underpinning
- Ensuring your Public Liability is at least $10m–$20m, depending on the site
- Adding the required endorsements, such as Principal’s Indemnity or Waiver of Subrogation
- Updating Certificates of Currency so they pass council or contractor review
With All Trades Cover, your insurance will meet contract requirements from day one, so you don’t lose time or income waiting for paperwork to be fixed.
What’s the maximum depth I can dig?
Every policy has limits. Most cap excavation depths at around 1.5 — 2 metres. If you’re doing subdivisions, drainage, or deep civil works, that might not be enough. And if you go deeper without telling your insurer, your cover may not respond if something happens.
We’ll help by:
- Extending your cover to the depth you actually work at
- Adding endorsements for piling, underpinning, or demolition jobs
- Including underground services protection and Dial Before You Dig compliance
- Updating your Certificate of Currency to show the correct depth limits
That way, you’re covered whether you’re digging shallow trenches or deep foundations.
Am I covered for underground service strikes?
Not unless it’s specifically added. Striking underground services, pipes, cables, or communication lines is one of the most common and costly claims in excavation. Standard policies usually exclude it.
We’ll arrange Underground Service Cover so you’re protected for:
- Damage to buried utilities on civil works and road projects
- Liability for third-party repair costs if you hit cables or pipes
- Endorsements that satisfy council and civil contract requirements
- Certificates that reflect Dial Before You Dig obligations
Operators who don’t declare this work often get caught short. We’ll make sure you’re not one of them.
Can I work on mine sites?
Yes, but you won’t be allowed on site unless your insurance ticks all the boxes set by the mine operator. These requirements are usually listed in your mobilisation pack and can change from job to job, but they often include:
- Public Liability of $10 million to $20 million
- Workers’ Compensation if you’ve got employees
- Personal Accident and Illness cover if you’re a sole trader or subcontractor
- Professional Indemnity between $1 million and $5 million if you’re giving advice, reports, or sign-offs
- Certificates of Currency that show Principal’s Indemnity, Cross Liability, and Waiver of Subrogation clauses
One thing to watch out for: Most off-the-shelf policies don’t automatically cover mining work. If you don’t disclose it, you might think you’re insured but have no cover once you’re actually on site.
At All Trades Cover, we go through your contracts or mobilisation pack and make sure your policies meet site standards. If you’re doing higher-risk work like demolition, piling, or underpinning, we’ll confirm the right endorsements are included too. We deal with mine site compliance every day, and we’ll get your paperwork sorted fast so you can mobilise without delays.
Are my tools covered under my Plant & Equipment policy?
Not really. Plant and Equipment insurance (sometimes called Industrial Special Plant) is built to cover your heavy machinery, not your hand tools or smaller gear. Some policies throw in a small allowance for tools, but it’s usually only a couple of grand, and the excess can be more than the tools are worth.
If you want your portable gear properly protected, you’ll need a separate General Property insurance policy (also known as Tools and Equipment cover). With All Trades Cover, we can set this up to cover things like:
- Theft from utes, trailers, or site containers
- Fire, storm, and accidental damage
- Specialist items like welders, diagnostic tools, or service kits
- Correct scheduling of high-value gear so there are no dramas at claim time
From everyday hand tools to diagnostic kits and service equipment, we’ll make sure your gear is covered properly alongside your plant and machinery, so the whole operation is protected.
Am I covered if my machine breaks down?
Not always. Standard Plant & Equipment insurance usually doesn’t include mechanical failure. If your excavator, dozer, or crane breaks down, you could be left paying for repairs and losing valuable work time.
A tailored heavy equipment mechanic insurance policy can include breakdown cover to protect both operators and mechanics working on-site or in the field. With this added, you’ll be covered for:
- Mechanical failure and repair costs
- Recovery and floatage if the machine stops working mid-job
- Replacement hire or downtime extensions to keep the project moving
- Mobile servicing and repair work carried out by heavy equipment mechanics
With the right cover, a breakdown doesn’t have to put your whole operation on hold.
What items can I insure on a Contractor Plant & Machinery policy?
It’s more than just excavators. The right Contractor Plant and Machinery insurance coverage can protect your entire fleet, including:
- Excavators, dozers, loaders, graders, and cranes
- Attachments and accessories
- Hired-in plant and hired-out plant
- Liability, road risk, downtime, and breakdown cover
- Additions and deletions as your fleet changes
We’ll make sure every machine is listed properly and your Certificates of Currency match contract requirements, so you’re covered and site-ready.
Do I need a hire agreement?
Yes. If you’re hiring out machinery, a signed hire agreement is a must. Without one, insurers can knock back claims, especially if there’s damage, a dispute, or questions about liability. A handshake deal or quick verbal agreement usually won’t cut it when it comes to insurance.
At All Trades Cover, we make sure your paperwork lines up with your insurance by:
- Reviewing your existing hire agreements to check they meet insurer standards
- Helping you set up clear terms for both wet hire and dry hire
- Matching your Contractor Plant and Machinery insurance with the exact wording in your agreements
- Explaining important clauses like liability responsibilities and damage waivers
That way, if something does go wrong, your policy is set up to respond the way it should, no surprises.
FAQs for Plant and Heavy Machinery Operators
Not sure if your current insurance still fits the way your plant and machinery business runs today? These FAQs are built for operators managing more equipment, tighter contracts, and increasingly complex compliance requirements.
Can I use hired equipment under my insurance?
Yes, but only if your policy includes Hired-In Plant insurance. Standard policies usually only protect equipment you own. If you hire a machine and something goes wrong, fire, theft, damage, or third-party injury, you could be left liable unless Hired-In Plant is specifically included.
How we structure insurance at All Trades Cover
We provide two main options, depending on how your business operates:
Blanket Hired-In Plant Cover
- Designed for businesses that hire equipment regularly throughout the year
- Automatically covers hired machinery up to an agreed limit
- No need to notify us every time you hire
- Ideal for fast mobilisation and flexible operations
Specified Hired-In Plant Cover
- Best for high-value or one-off hires
- Each machine is listed with its insured value and hire period
- Suited to long-term contracts or specialist plant requirements
Policy Setup Options
Hired-In Plant Insurance can be arranged as:
- A standalone policy for operators who primarily hire and do not own plant
- An extension to a Contractor Plant & Machinery insurance program, consolidating owned and hired equipment under one policy for simplicity and compliance
Why it’s better than a hire company damage waiver
Damage waivers offered by hire companies are not full insurance. They usually involve:
- High excesses and restrictive terms
- Limited or no theft cover
- No protection for third-party injury or property damage
- Conditions that can still leave you liable after an incident
Waiver fees also add up quickly, especially on longer projects, while leaving gaps in protection.
With Hired-In Plant insurance arranged by All Trades Cover, you maintain control of your risk, your costs, and your compliance, supported by proper insurance that matches your contracts, not the hire company’s paperwork.
Can I hire out my own equipment?
Yes, but you will need more than a standard Plant and Equipment policy. Once your machinery is hired out and operating off-site, particularly under dry hire (machine only, no operator), you face additional risks. If the machine is damaged, causes injury, or leads to project delays, liability can fall back on you unless your policy is structured with the correct extensions.
What you will need
The right solution is Contractor Plant and Machinery Insurance with a hired-out plant extension. This cover is designed to protect businesses when their equipment is operating under another party’s control. It can include:
- Dry hire and wet hire (with operator) arrangements
- Third-party liability for property damage or injury
- Breakdown, recovery, and debris removal costs
- Road risk for machines operating on or near public roads
- Additions and deletions for rotating or seasonal plant fleets
- Certificates of Currency that meet civil, contractor, or principal site wording
Additional considerations
At All Trades Cover, we also help you address the practical aspects of hiring out plant, including:
- Whether to offer a damage waiver to hirers, and the implications for your own cover
- How your hire terms and conditions affect your liability exposure
- What clauses should be included in your hire agreement to avoid disputes
- How to structure your insurance so you remain protected even when machines are off-site
We do more than simply list machines on a schedule. We work with you to structure coverage that supports compliance, protects your liability, and ensures you can hire out equipment with confidence.
Am I covered to work on public roads?
Not by default. Many standard policies exclude activities on public roads or road reserves unless this exposure is specifically addressed in the wording. If your work involves shoulder grading, trenching, transporting plant, or operating near live traffic, your insurance must reflect those risks.
All Trades Cover ensures your Public Liability and Plant Operator Insurance includes:
- Liability protection while operating on public roads, verges, reserves and access tracks
- Coverage extensions for civil works, demolition, excavation or utility infrastructure projects
- Certificates of Currency aligned with council, civil or principal contractor requirements
We also review your Dial Before You Dig responsibilities, ensuring your cover responds appropriately where underground services are involved, particularly for roadwork compliance and risk management.
Does my insurance cover civil works?
Not by default. Civil works contracts typically carry stricter insurance requirements than private jobs, including higher liability limits and specific contractual clauses. Without the right structure in place, you may be denied site access or face delays in mobilisation.
All Trades Cover ensures your insurance is aligned with civil project requirements by:
- Reviewing contract terms for civil, demolition, piling or underpinning work
- Ensuring Public Liability limits meet site requirements, typically between $10 million and $20 million
- Adding required endorsements such as Principal’s Indemnity and Waiver of Subrogation
- Issuing Certificates of Currency that satisfy council, government, or head contractor reviews
With a properly structured heavy equipment operator insurance policy in place from day one, you stay compliant, reduce the risk of access delays, and protect your business from contract disputes or uninsured exposures.
What’s the maximum depth I can dig?
Most policies include excavation depth limits, typically capped at 1.5 to 2 metres. For operators working on subdivisions, drainage, or deep civil infrastructure, this may fall short of what’s needed. If you exceed your policy’s depth limit without notifying your insurer, your cover may not respond in the event of a claim.
All Trades Cover works with you to ensure your policy reflects the actual scope of work by:
- Extending cover to match the excavation depth your projects require
- Adding endorsements for high-risk activities such as piling, underpinning, or demolition
- Including underground services protection and ensuring Dial Before You Dig compliance
- Issuing updated Certificates of Currency with clearly stated excavation depth limits
This ensures you’re properly covered, from shallow trenching through to deep structural foundations.
Am I covered for underground service strikes?
Underground service strikes are one of the most common and costly incidents in excavation and civil works. Despite this, many plant and machinery policies exclude cover unless it’s specifically requested.
We’ll ensure your policy includes Underground Services Cover so you’re protected for:
- Accidental damage to buried utilities during excavation or civil works
- Liability for third-party repair costs arising from cable or pipe strikes
- Endorsements that meet council and principal contractor requirements
- Certificates of Currency aligned with Dial Before You Dig obligations
Operators who don’t declare this risk often find out too late that they’re uninsured. We’ll make sure your cover reflects the work you actually perform, and protects you when it matters most.
Can I work on mine sites?
Yes, but you will not be allowed to mobilise unless your insurance meets the mine operator’s requirements. These are usually detailed in the mobilisation pack and can vary by project, but commonly include:
- Public Liability with limits of $10 million to $20 million
- Workers’ Compensation if you employ staff
- Personal Accident and Illness cover if you operate as a sole trader or subcontractor
- Professional Indemnity cover of $1 million to $5 million where contracts require advice, reports, or compliance sign-offs
- Certificates of Currency that include Principal’s Indemnity, Cross Liability, and Waiver of Subrogation clauses
It is important to disclose mining work specifically, as most standard online or direct insurance policies will not automatically cover it. Without disclosure, you may hold a policy but have no protection once on site.
At All Trades Cover, we review your contracts or mobilisation documents in detail and structure your policies to meet mine site standards. If you are working in higher-risk areas such as demolition, piling, or underpinning, we ensure the appropriate endorsements are also included.
We manage mine site compliance every day and work quickly to make sure your paperwork is approved, so you can mobilise without delay and with complete confidence.
Are my tools covered under my plant and equipment policy?
Not properly. Plant and Equipment Insurance, sometimes called Industrial Special Plant Insurance, is designed for heavy machinery, not for portable tools or smaller gear. Some policies may include a small allowance for tools, but this is usually only a few thousand dollars and the excess is often higher than the value of the tools themselves.
To protect your portable gear properly, you need a separate General Property insurance (Tools and Equipment). With All Trades Cover, we can arrange cover for:
- Theft from vehicles, trailers, or site containers
- Fire, storm, and accidental damage
- Specialist items such as welders, diagnostic tools, or servicing kits
- Proper scheduling of high-value items to avoid disputes at claim time
From everyday hand tools through to diagnostic gear and service equipment, we make sure your portable gear is insured alongside your plant and machinery, so your whole operation is properly protected.
Am I covered if my machine breaks down?
Not under most standard policies. Plant and Equipment insurance typically excludes mechanical failure. If your excavator, dozer or crane breaks down, the cost of repairs, and the downtime may fall entirely on your business.
That’s where Heavy Equipment Mechanic insurance becomes essential. We can structure your cover to include:
- Mechanical failure and associated repair costs
- Recovery and floatage if the machine fails on site
- Hire replacement or downtime extensions to keep the project moving
- Mobile servicing and repairs are carried out by field mechanics
With breakdown cover in place, a mechanical issue doesn’t have to bring operations to a halt.
What items can I insure under a Contractor Plant and Machinery policy?
Contractor Plant and Machinery Insurance can cover much more than just excavators. A tailored policy protects a wide range of owned, hired, or hired-out equipment, giving you flexibility across construction, civil, road, and mining projects.
We can arrange cover for:
- Excavators, dozers, graders, loaders, cranes, and rollers
- Telehandlers, skid steers, stump grinders, and elevated work platforms (EWPs)
- Service trucks, fuel trailers, compressors, pumps, and lighting towers
- Attachments and specialised accessories
- Hired-in and hired-out plant and equipment
- Liability, breakdown, road risk, and downtime exposures
- Additions and deletions to keep your fleet list accurate as machines move on and off the books
We ensure every item is properly listed and that your Certificates of Currency meet the wording required for council, civil, road, and mine site projects.
Do I need a hire agreement?
Yes. If you’re hiring out machinery, a signed hire agreement is critical. Without one, insurers may deny claims, especially in the event of damage, disputes, or liability questions. Verbal or informal arrangements typically won’t meet insurance requirements.
At All Trades Cover, we help ensure your documentation supports your insurance by:
- Reviewing existing agreements for compliance with insurer standards
- Assisting with tailored terms for wet hire and dry hire
- Aligning your Contractor Plant and Machinery policy with the agreement wording
- Clarifying key clauses such as liability responsibilities and damage waivers
This helps ensure that when something goes wrong, your policy will respond exactly as intended.
We’ll Handle the Details So You Can Keep the Machines Running
Got a council or civil contract lined up? Need the insurance squared away before your machines hit the ground? We’ll get your plant and machinery cover sorted quickly, so you can focus on the work instead of chasing paperwork.
- Quick quotes and Certificates issued without the runaround
- A team that understands operators and contractors, not just policies
- Insurance shaped around heavy equipment, fleet changes, and contract conditions
- Certs and wording that match site access, principal contractors, and compliance demands
Insurance That Works With Your Contracts, Not Against Them
As your plant hire or machinery operation grows, so does the complexity; more equipment, higher-value contracts, evolving workforce structures, and tighter compliance at every turn. Off-the-shelf insurance doesn’t reflect the realities of running plant across multiple sites, under different agreements, and often at short notice.
At All Trades Cover, we design tailored insurance programs for businesses that:
- Operate excavators, dozers, loaders or mixed fleets on civil and commercial projects
- Hire in and hire out equipment, with dry hire and wet hire arrangements
- Manage site access, principal contractor requirements, and multiple Certificates of Currency
- Require fast, professional support when it comes to claims, wording or policy updates
With the right policy in place, you stay compliant, contract-ready, and operational across every site.
Talk to a Broker Who Understands Operators, Not Just Policies
Many of us at All Trades Cover are ex-tradies, so we keep things straightforward.
No endless back-and-forth. No jargon-packed policy wording. Just proper insurance for plant and machinery operators who dig, lift, haul, and keep projects moving. Tell us what gear you’re running and the type of work you’re on, and we’ll line up the cover that actually fits.
Talk to a Specialist in Plant and Heavy Machinery Insurance
When you’re managing equipment, contracts and crews across multiple projects, your insurance needs to support operations, not hold them back with generic cover or delayed documentation.
At All Trades Cover, we provide:
- Tailored heavy equipment insurance programs aligned to your operations and risk profile
- Fast, compliant documentation to meet contract and mobilisation requirements
- Practical, industry-specific guidance that goes beyond templated policies
We work with plant and heavy machinery operators across civil, infrastructure and commercial projects to help secure larger contracts, meet compliance obligations, and stay protected when things go wrong on site.
Your machinery keeps the job moving. We’re here to make sure the insurance keeps up and keeps you protected.