Mobile Plant Insurance

Mobile plant insurance covers the physical loss, damage, repair and replacement costs of plant and machinery used on a project site.

What is mobile plant insurance?

Mobile plant insurance provides protection for theft, loss, or damage to insured plant and machinery such as fork lift, compressors, bulldozers, pile driving devices, drilling machines, cranes etc. It can also provide cover for third-party personal injury or damages.

How your business can be protected with mobile plant insurance

The exact cover you can receive depends on the policies that you take out. But to give you an idea, here are some of the ways that mobile plant insurance can provide protection:

Material damage
Provides cover for owned mobile plant and equipment
Hired in plant
Cover for non-owned mobile machinery and plant hired in
Additional benefits
A combination of automatic and optional benefits which allows you to tailor coverage to your needs
Financial protection
Provides a combination of covers which allows you to tailor coverage to protect your business from financial loss
Provides cover for mechanical breakdown of mobile machinery and equipment
Road risk
Provides third party property damage cover for registered vehicles
Broadform liability
Comprehensive legal liability protection for your business activities

Does my business need mobile plant insurance?

Construction projects are highly dependent on the use plant and machinery. Whether you’re a farmer, contractor or miner, there can be significant risks associated with working on large scale projects and operating heavy machinery.

Mobile plant insurance has been designed to protect all types of mobile plant and equipment from the smallest post hole digger to the largest fixed or mobile cranes.

Our team of insurance brokers can recommend policies to provide cover for:

  • Damage to lifted Goods
  • Multiple crane operations
  • Damage to hired plant and/or machinery
  • Theft or loss of plant or equipment
  • Machinery repair and replacement
  • Employees property damage
  • Liability payable
  • Financial loss
  • Recovery costs

Examples of when mobile plant insurance is essential

Mobile plant insurance can protect your business assets from various risks by providing cover for a wide range of mobile plant and equipment types across many industries.

Mobile plant insurance policies can also provide protection for material damage, loss of income and third-party damage or liability.

Additional cover can also protect your accessories, tools and spare parts, employees personal property, emergency services changes, recovery costs and hired-in machinery.

Tips or other things to know about mobile plant insurance

There are some exclusions to what mobile plant insurance can cover. There is often a deductible or excess.

The following may not be covered in the mobile plant insurance policy:

  • Loss or damage due to electrical or mechanical breakdown/failure
  • Pre-existing faults and damages
  • Loss of or damage to replaceable parts such as bits, drills, knives or other cutting edges, saw blades, dies, moulds etc.
  • Loss or damage due to explosion of any boiler or pressure vessel subject to internal steam or fluid pressure or of any internal combustion engine
  • Loss/damage to insured plant and machinery due to war, wilful or negligent acts, contractual liability, manufacturers guarantee, consequential loss or liability
  • Damage due to terrorism risk
  • Damage for which the supplier or manufacturer is responsible​
  • ​Any kind of transit risk

Our  mobile plant insurance brokers will explain how the policy works, outline any exclusions, excesses, and limits of liability, depending on your insurer and the requirements of your business.

Have a question? We can help

What is mobile plant and equipment insurance?

Mobile plant insurance protects all types of mobile plant and equipment from the smallest post hole digger to the largest fixed or mobile cranes.

What is hired in plant insurance?

A mobile plant & equipment policy will usually provide cover for hired-in plant (it’s not usually a separate insurance policy).

Hired-in plant insurance provides protection against the risk of that plant being stolen, damaged or other unforeseen events.

What is mobile plant equipment?

Mobile plant equipment is plant that is provided with some form of self-propulsion that is ordinarily under the direct control of an operator, such as fork lifts, excavators, compressors, bulldozers, pile driving devices, drilling machines, cranes and more.

Insurers we work with

360 Underwriting Solutions insurance quotes – NewSure Insurance Brokers
Zurich insurance quotes – NewSure Insurance Brokers
Chubb insurance quotes – NewSure Insurance Brokers
Mecon Insurance quotes – NewSure Insurance Brokers
UAA Insurance quotes – NewSure Insurance Brokers
Berkshire Hathaway Specialty Insurance quotes – NewSure Insurance Brokers


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Call us on 02 4969 8100 or request a call back.

We know that navigating the world of insurance can be complex and confusing. Our brokers compare the myriad of insurance options on the market for you, providing expert advice to implement your chosen plan.

We empower thousands of Australian businesses to focus on what they do best, knowing they’re protected against any possible eventuality.