If you've ever hired an excavator or you're in the business of hiring them out, this question probably keeps you up at night. Something goes wrong on site. The machine is damaged. And suddenly everyone is pointing at everyone else. So who actually pays? The honest answer is: it depends. But understanding how liability works in plant hire arrangements can save you from a very expensive surprise. The Basic Rule: Whoever Is in Control Bears the Risk In most plant hire arrangemen

For many earthmoving and excavation businesses, hiring out machinery can create valuable additional income. However, whether machinery is supplied with or without an operator can significantly change the insurance risks involved. This is where the difference between wet hire and dry hire becomes extremely important. Many contractors incorrectly assume their existing insurance automatically covers both arrangements, only to discover coverage gaps when a claim occurs. In this g

Excavators are among the most valuable assets on many Australian construction and earthmoving sites. Unfortunately, they are also a common target for theft. From organised machinery theft through to stolen attachments and equipment taken from unsecured job sites, a single incident can result in major financial loss and project delays for excavation contractors. So, does excavator insurance cover theft? In many cases, yes but the level of protection depends on the policy wordi

Excavators are exposed to some of the toughest working conditions in the construction and earthmoving industries. From steep terrain and unstable ground through to tight access sites and operator error, rollovers remain one of the most serious risks faced by excavation contractors across Australia. A single rollover can result in tens of thousands of dollars in repair costs, project delays and lost income. So, does excavator insurance actually cover rollovers? In many cases,