Earthmovers Insurance

Earthmover’s jobs can take you to lots of places including private houses and business sites. Being on someone else property means public liability insurance for earthmovers or a self-employed excavator should be highly considered.

Accidents happen, earthmovers drop loads and public liability protects earthmovers against claims lodged against you by a third party, a customer, the general public, your contractors and suppliers. It includes cover for third party personal injury, property damage and legal expenses in defending a claim.

Earthmover public liability insurance offers a choice of indemnity options for 5, 10 or 20 million dollars.

Every earthmover understands why ‘Dial Before You Dig’ is an important step when you’re excavating, so as long as you Dial before you dig, you are covered if you are liable for property damage to underground services.

Most insurers will not cover dry hire of your earthmoving equipment as it increases exposure to risk. At imar, however, we understand that dry hire is often an essential part of your business, so in addition to wet hire cover we offer an extension that provides cover for dry hire of your equipment.

If your tools are stolen, you can’t do your job, so tool insurance for earthmovers should be highly considered. imar tool insurance covers your tools of trade, hand held tools, mobile phones, stock and customer’s property which are used by you in the normal course or scope of your business. Portable electronic goods like mobile phones are covered under the tool insurance for earthmovers.

Tool insurance protects your tools or stock if they are stolen or damaged.  If your tools are stolen from a locked vehicle or premises, they are protected. If your tools are damaged by fire, vandalism and the collision or overturning of your vehicle, they are protected.

There are important limitations and conditions on cover, particularly where tools are stored and how they are secured; including a deprecation factor on insured values. Please refer to the Product Disclosure Statement.

With imar’s insurance for concreters, injury to subcontractors is covered and our policy includes Vicarious Liability. So if you use subbies and as a result of their negligence, you are included in a legal action, you are covered.*

*Subcontractors require independent public liability insurance

If your work is found to be faulty and results in 3rd party property damage, imar has you covered.

Whether you are working on site or playing footy on the local oval, accident and sickness (injury and illness) insurance covers you 24/7. If you are accidently injured or suffer a covered illness and you can’t work for a temporary time.

Motor vehicles like utes and 4x4s are essential for earthmovers and can be covered by commercial motor insurance comprehensive policy, and as part of your overall insurance. Fully comprehensive and 3rd party policies are available. In addition imar cover permanently fixed tool boxes and tools of trade permanently attached to the vehicle or trailer. Bobcats, earthmovers, skidsteers and attachments insurance cover can be arranged by imar.