Mobile Plant & Equipment Insurance for Construction, Mining & Industrial Assets

Specialist insurance protecting your mobile machinery and heavy equipment from accidental damage, theft, fire and mechanical breakdown across Australia.

Cover for excavators, loaders, cranes, trucks and specialist plant
Protection for owned and hired-in equipment
Accidental damage, theft and fire cover
Protection on site, in transit and in storage

Get My Mobile Plant Insurance Quote

Request a Mobile Plant & Equipment Insurance Quote

Full Name

Business name

Email Address

Phone Number

Industry type

Equipment Type

Estimated Total Plant Value

Estimated Number of Plant Items

No obligation. Quotes tailored to your needs.

Understanding Your Cover

What Is Plant, Equipment & Machinery Insurance?

Mobile plant and equipment insurance protects heavy machinery and specialist equipment used across high-risk industries including construction, civil, mining, agriculture and industrial sectors.

These assets are typically high-value, exposed to harsh environments and subject to constant movement, increasing the risk of accidental damage, theft and operational breakdown. This insurance ensures your business remains protected when the unexpected happens, helping maintain productivity and reduce costly downtime. Policies can be tailored for individual items, entire fleets, owned equipment or hired machinery, depending on your operations.

Is This For You?

Who Plant, Equipment & Machinery Insurance Is For

This insurance is commonly arranged by and for:

Construction and civil contractors

Earthmoving and excavation businesses

Plant hire and rental companies

Mining and resource contractors

Agricultural and farming operations

Landscaping and infrastructure contractors

Councils and government contractors

Businesses operating owned or leased plant

Cover Options

What Does Plant, Equipment & Machinery Insurance Typically Cover?

Accidental Damage & Collision

Protection for sudden operational damage including collisions and rollovers.

Fire, Theft & Malicious Damage

Covers loss or damage due to fire, theft, vandalism or attempted theft — on site or in storage.

Breakdown & Mechanical Failure

Optional cover for sudden mechanical or electrical breakdown (not general wear and tear).

Transit Cover

Insures plant while being transported between sites, including during loading/unloading.

Hired-In Plant

Covers hired or leased equipment, often required under hire agreements.

Beyond the Basics

Additional Covers & Policy Extensions

Flood and water damage
On-site and off-site storage
Operator negligence cover
Tools and attachments
Accessories and ancillary equipment
Expediting expenses for repairs
Substitute hire costs
Third-party liability from equipment use
Automatic cover for newly acquired plant
Agreed value or replacement value options

Policy Options

How Plant, Equipment & Machinery Insurance Is Structured

Policy Structure

Policy Coverage based on Market Value or Agreed Value, multiple units or single unit policies.

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Key Features

Hired-in Plant Extensions, Financial Loss Cover, Road Risk Liability.

The right structure depends on machinery value, age, usage, security, storage and transport frequency.

Why It Matters

Tailored solutions for operators

Mobile plant represents major capital investment

Exposed to high-risk environments daily

Theft or damage causes costly downtime

Hire contracts often require proof of insurance

Repair and replacement costs can be significant

Keep Your Plant Moving With Confidence

Speak with a broker experienced in plant and equipment cover.

Get My Mobile Plant Insurance Quote

FAQ's

It’s a specialised type of insurance that protects heavy machinery such as excavators, cranes, forklifts and earthmoving equipment against damage, theft, fire and certain breakdown events.

It’s not legally required, but is often mandated by hire contracts, financiers or principal contractors for operational compliance.

Most mobile plant and machinery can be insured — including excavators, graders, loaders, cranes, telehandlers, forklifts and similar assets used in construction, mining, agriculture and industrial settings.

Yes. Transit cover can insure machinery while it’s moving between sites, including during loading and unloading stages.

Breakdown cover can protect against sudden mechanical or electrical failure, distinct from damage caused by general wear and tear. This is typically an optional extension subject to underwriting.

Yes. You can include hired-in plant cover to protect machinery leased from third parties — often required under lease agreements.

Absolutely. Many policies allow you to insure both owned and hired plant together under one tailored package.

If you need to make a claim, contact Seguro Insurance Brokers directly. Our team will guide you through the claims process, help you gather the required documentation and liaise with the insurer on your behalf to ensure your claim is handled efficiently.

Values can be set on an agreed value or replacement value basis, depending on asset type and insurer capabilities.

Premiums reflect machinery type and value, usage patterns, operating environment, security measures and claims history.

Some policies automatically provide temporary cover for newly purchased or acquired plant for a limited period, giving you time to notify your insurer formally.

Liability from plant operation can be included as an extension, protecting you against claims for injury or property damage caused by your machinery.

An insurance broker can compare multiple insurers, help tailor cover to your specific operations, ensure contractual compliance and assist throughout the claims process.

Insurance made easy.