Common requirements for excavators:
1. Contractor Licence
2. Plant & Equipment
3. Workers' Compensation
Licensing requirements vary by state and territory, depending on the type and value of building work you undertake.
Specialised excavation machinery and equipment should be considered when structuring an appropriate insurance program.
Workers' compensation requirements depend on your state or territory and whether you employ workers or engage contractors.
Excavators Insurance
Insurance built around the way excavators actually carry risk.
We understand how excavation contractors work across residential and commercial projects.
Excavation Expertise
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Decades of insurance expertise in the construction and trade sector.
35+ Years
Experience
Local claims advocacy and guidance when you need it most.
Claims
Support
Insurance programs built around your trade, projects, equipment, and business.
Tailored
Cover
As an excavation contractor, you carry risk across every stage of the job, from site preparation and earthmoving to trenching, digging, and clearing the work area. A single incident can damage property, affect underground services, delay a project, or leave you facing a costly claim. From site accidents and equipment damage to service strikes and project delays, the right insurance program helps protect your business when things don't go to plan.
Ferguson Brown specialises in the construction, property and development sectors, so we understand how excavation risks can change from one project to the next. Whether you work on residential sites, commercial projects, earthmoving, trenching or as a subcontractor, we can help structure cover around the work you actually do.
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Site accidents
The risk builders face everyday:
Property damage
Equipment theft or damage
Project delays
Injuries to workers, subcontractors or visitors around your worksite can lead to costly claims.
Excavation work can encounter underground utilities or services, potentially causing damage, disruption and costly claims.
Excavators, machinery, tools and equipment can be damaged, stolen or lost while working on or travelling between sites.
Unexpected ground conditions, equipment problems or site incidents can delay projects and increase project costs.
Machinery, excavation activities or unexpected ground movement can damage surrounding property or existing structures.
Underground services
Other insurance requirements for excavators:
Plant & Equipment
Helps protect excavators, machinery, plant and other specialised equipment against insured events that could affect your ability to complete projects.
Contract
Works
Covers physical loss or damage to the works, materials and plant on site, from fire and weather through to theft, before the project is handed over.
Professional
Indemnity
Covers claims arising from development management decisions or advice given to purchasers, financiers or joint venture partners.
Public & Products Liability
For third-party injury or property damage arising from the site, sales suite or display homes, usually required by councils and financiers.
Workers Compensation
For businesses with employees, workers' compensation helps provide protection when a worker is injured or becomes ill in connection with their employment.
Motor Vehicle
Protects work vehicles used to transport tools, equipment, machinery and materials, with cover structured around how your vehicles are used.
Environmental Liability
Helps protect your business against certain pollution, contamination or environmental liabilities that may arise from excavation activities.
Tools & Equipment
Your tools are essential to getting the job done. Cover can help protect against theft, loss or damage to equipment you rely on every day.
