Plant & Machinery Insurance
Protect your machinery, attachments, and operational equipment with insurance designed for civil contractors, earthmoving operators, construction businesses, and small-to-large plant owners. Whether you operate one machine or manage multiple units, we help you secure reliable cover built for heavy-duty work.
Protect your business when machinery breaks down, gets damaged, or causes costly
Heavy equipment is essential to your operation and when something goes wrong, the financial impacts can be immediate and severe. A hydraulic failure delays an excavation job. A loader damages a retaining wall. A hired machine breaks down onsite. A worker is injured during operation. These events can cost tens of thousands in repairs, delays, penalties, and liability claims.
Coverite Insurance supports plant owners, operators, and civil contractors with plant & machinery cover that reflects real-world working conditions. Whether you operate a single machine or manage a mixed fleet, we secure cover that fits how your machinery is used not generic off-the-shelf policies.
Plant & machinery insurance for businesses that work across civil, construction, earthmoving & industrial sites
Whether you’re working on civil sites, subdivisions, demolition projects, quarries, transport yards, warehouses, commercial builds, or remote infrastructure work, machinery comes with significant liability and damage exposure. We help contractors secure insurance aligned with operational risks, contractual requirements, hire agreements, and state-based regulations.
Trusted Support When It Matters Most
Plant claims can be complex involving inspections, breakdown reports, parts sourcing, repair delays, and hire agreements. Our clients rely on us for accurate guidance and rapid response when machinery fails or is damaged.
Why clients choose us:
- Dedicated advisers who specialise in plant & equipment insurance
- Expert assistance during breakdown, damage, or liability claims
- Fast communication with insurers and repairers
- Access to markets that don’t deal directly with the public
- Competitive pricing for both single machines and fleets
Real Feedback from Our Clients
“Excellent service! Michelle from Coverite Insurance Service and her team have gone above and beyond to help me with my insurance needs. Michelle has guided me through every step of the process to help find me the best coverage with the most cost effective premium. I feel confident knowing my insurance needs are being well looked after.”
The Easiest Way to Get the Right Cover.
Tell us about your business and what you require, then we'll search far and wide to find the right insurance.
We'll present and talk you through the options. You decide which suits you best.
We'll start your cover so your business is protected.
Key Plant & machinery cover we help arrange
Plant & Equipment Damage Cover
Protects your machinery from accidental damage, rollover, impact, fire, theft, vandalism, and environmental events. Suitable for owned, financed, or dry-hire machines.
Coverage includes:
- Excavators, loaders, skid steers, dozers, graders, and attachments
- Damage during operation, transport, or storage
- Recovery and removal costs after an incident
- Replacement hire costs (optional)
Broadform Public Liability Insurance (Machinery-Specific)
Protects your business if machinery causes injury or property damage — whether onsite, in transit, or during operation.
Covers:
- Damage to underground services
- Damage to structures, roads, retaining walls, or neighbouring property
- Injury to third parties
- Site-related incidents (tipping, contact with assets, falling loads)
Road Risk Liability (Registered Machinery)
For machinery that operates both onsite and on public roads.
Covers:
- Damage to other vehicles
- On-road accidents
- Legal liability while travelling between job sites
- Trailer and load-related impacts
Hired-In Plant Insurance
Protects machinery you hire from other owners or hire companies.
Includes:
- Damage, loss, or theft of hired equipment
- Dry-hire agreements and contract conditions
- Continuing hire charges after an insured event
Machinery Breakdown Cover
Protects against internal mechanical or electrical failure — including hydraulics, transmissions, and critical components.
Common claims include:
- Hydraulic system failure
- Gearbox or engine breakdown
- Electrical system faults
- Breakdown resulting in business interruption
Business Interruption Insurance
Covers income loss when machinery damage or breakdown prevents works from continuing.
Covers:
- Lost profit
- Ongoing expenses
- Temporary relocation
- Costs to keep projects moving
Commercial Motor Insurance (Utes, Trucks, Prime Movers)
Protection for vehicles transporting machinery, tools, and materials between sites.
Covers:
- Comprehensive damage
- Theft, fire, storm
- Third-party injury or property damage
- Fleet options available