Earthmoving comes with serious risks from operating heavy machinery to working on active job sites.
At Monarch Insurance Brokers, we help earthmoving contractors protect their machinery with tailored insurance solutions, including plant and equipment insurance.
Whether you operate a single machine or manage multiple projects, we’ll help ensure your business, equipment and income are properly protected.
Whether you operate a single machine or manage multiple projects, we’ll help ensure your business, equipment and income are properly protected.
Common Risks
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Machinery Theft
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Accidental Damage to Underground Services
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Injury to Third Parties
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Project Delays due to Equipment Breakdown
How We Help
We:
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Assess your business operations and risks
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Ensure your machinery is properly insured and aligned with your broader tradie insurance cover
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Structure your cover to avoid gaps
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Compare options across multiple insurers
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Assist with claims when something goes wrong.
An earthmoving contractor experienced a major setback when a 5-tonne excavator was stolen from a secured job site overnight, resulting in a loss of over $60,000.
At the time, the contractor’s insurance was arranged and managed by Monarch Insurance Brokers.
How the Policy Was Structured
During our initial review, we identified that the excavator was a critical income-generating asset meaning that both the value of the machine and the impact of losing it needed to be properly considered.
To address this, we structured the policy to ensure:
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The excavator was specified individually on the policy
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It was insured for an agreed value, reflecting its true replacement cost
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Appropriate security conditions were in place to meet insurer requirements
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The policy included cover for theft from job sites, not just at a fixed location
This ensured there were no gaps in cover if the equipment was stolen while in use across different sites.
How the Claim Responded
When the theft occurred, the claim was lodged promptly and supported with the necessary documentation.
Because the plant and equipment had been correctly specified and insured for the right value, the policy responded as intended, covering the loss of the excavator.
This allowed the contractor to replace the machine and return to work without suffering a long-term financial setback.
Why This Matters
Without the right structure in place, claims like this can often be reduced or declined due to:
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Incorrect valuation
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Unspecified equipment
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Security requirements not being met
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Limitations on where equipment is covered
This scenario highlights the importance of not just having insurance but having it set up correctly for how your business actually operates.
Claim Scenario
Relevant Insurance Types
Types of insurance cover relevent to your industry.
Public Liability provides essential cover for third-party injury or property damage claims that may arise while you’re on the job.
We can provide cover for your Excavator insurance as well as other forms of Plant and Machinery against risks like accidental damage, malicious damage, fire and theft.
Protects your tools and gear against theft, loss, or accidental damage — whether they’re on-site, in storage, or in your vehicle.
Monarch Insurance Brokers are able to design a conveniently bundled Tradie Package combining key protections like liability, tools, and commercial vehicle insurance into one simple package.
Commercial Vehicle Insurance covers your ute, van, or truck against accidents, theft, or damage so you can keep your business on the move.
Why Monarch?
Why choose us as your brokerage for your Earth Moving and Excavating needs?
Personalised Service
We take the time to understand your business, tailoring insurance solutions to fit your exact needs rather than offering a one-size-fits-all policy.
Expert Guidance
Our team brings deep industry knowledge and explains your options in plain language, helping you make confident, informed decisions.
Trusted Claims Support
If the unexpected happens, we stand by your side. We’ll guide you through the claims process and advocate on your behalf to get the best outcome.
Local Focus, Real Relationships
As a Brisbane brokerage, we’re invested in our community and committed to building lasting relationships, not just policies.
Get the Right Cover in Place
Whether you're reviewing your current insurance or setting up cover for the first time, we’ll help ensure your earthmoving and excavation business is properly protected.
