PLANT AND MACHINERY INSURANCE AUSTRALIA
Plant & Machinery
Insurance Australia.
Plant and machinery insurance helps protect Australian builders, contractors, civil operators and equipment owners against accidental damage, theft, fire, collision and other insured events affecting essential equipment.
- Cover for owned, leased and hired-in plant
- Protection for damage, theft, fire and transit risks
- Optional breakdown, road risk, recovery and liability cover
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ABOUT PLANT AND MACHINERY INSURANCE
Protect the Equipment That Keeps You Working.
Keep Projects Moving.
Plant and machinery insurance is designed for the equipment your business owns, leases or uses on construction sites, civil projects, earthmoving jobs, farms, quarries and other commercial operations. ABS can help structure cover around where your equipment operates, how it is transported, and whether it is used for your own work, dry hire or wet hire.
- Cover for mobile plant, construction equipment and machinery
- Material damage protection for accidental loss, theft, fire and collision
- Options for hired-in plant, transit, recovery, breakdown and downtime
- Liability options for equipment operations and registered road use
WHAT'S COVERED
Plant and Machinery Cover Built Around Your Operation
Mobile Plant & Equipment
Cover can be arranged for excavators, loaders, bobcats, skid steers, graders, rollers, cranes, forklifts, telehandlers and other commercial plant.
Accidental Damage, Theft & Fire
Material damage cover may respond to accidental damage, theft, fire, malicious damage, storm and other insured events, subject to the policy wording.
Hired-In Plant
If you hire equipment, an extension can help address your responsibility for damage or theft while the plant is in your care, custody and control.
Transit & Recovery
Options may be available for equipment while being transported, including recovery, removal and reasonable associated costs after an insured event.
Road Risk & Liability
Registered plant travelling on public roads may require road-risk liability, while public and products liability can address third-party injury or property damage exposures.
Breakdown & Loss of Use
Optional breakdown, consequential loss, downtime or replacement-hire cover may help reduce the financial impact when critical equipment cannot work.
WHY CHOOSE ABS
Plant and Machinery Insurance Advice from Industry Specialists
Construction & Plant Expertise
We understand the equipment and operational risks faced by builders, contractors and civil operators.
Tailored Cover Options
We help compare cover for owned, leased, hired-in, dry-hire and wet-hire plant.
Suitable Insurer Access
We approach specialist commercial markets for equipment, liability and road-risk requirements.
Practical Claims Support
When equipment is damaged or stolen, we help you understand the policy response and next steps.
Australian Business Support
ABS Insurance Brokers provides practical insurance assistance for businesses across Australia.
Protect Your Plant. Protect Your Business.
Speak with ABS Insurance Brokers about tailored plant and machinery insurance for your equipment, industry and operations.
PLANT AND MACHINERY INSURANCE FAQs
What is plant and machinery insurance?
Plant and machinery insurance can help protect commercial equipment against accidental damage, theft, fire, collision and other insured events. Depending on the policy, it may also include hired-in plant, transit, road-risk liability, breakdown, recovery and loss-of-use options.
What types of plant and equipment can be insured?
Cover can be considered for excavators, loaders, bobcats, skid steers, cranes, forklifts, telehandlers, graders, rollers, compressors, generators, drilling equipment, concreting equipment, farming machinery and other declared commercial plant.
Can I insure hired-in plant and machinery?
Yes, subject to insurer acceptance and the hire agreement. Hired-in plant cover is designed to address the hirer’s responsibility for damage or theft while equipment is in their care, custody and control. The hire period, equipment value and use must be disclosed.
Do I need road risk and public liability cover?
Plant operating or travelling on public roads may need road-risk or third-party property-damage liability cover. Public and products liability can also be relevant where plant operations may cause injury or damage to third-party property. Compulsory Third Party insurance does not replace these covers.
Can plant insurance cover breakdown or downtime?
Some policies can include mechanical breakdown, consequential loss, downtime or replacement-hire extensions. These are not automatic and may be subject to separate limits, waiting periods, exclusions and insurer conditions. Regular maintenance and accurate equipment values are important.