We are your trusted plant and equipment insurance partners in Toowoomba specialising in all insurance types from Business Insurance, Personal Insurance, Household Insurance and more.
If a machine is damaged, stolen or breaks down, the repair bill is only part of the cost. Jobs stall, hire income stops and lease payments keep coming. Plant and equipment insurance helps cover those costs so one bad day on site is less likely to set your business back.
Around Toowoomba, that might be an excavator on a construction works site, a grader on a road job, or a tractor on the farm alongside your farm insurance.
Plant and equipment insurance covers machinery your business owns, leases or hires, from forklifts and bobcats to post hole diggers and cranes. Depending on your policy, it can cover damage, theft and liability while the machine is being used.
Depending on your policy, cover can include:
Cover can range from handheld tools to driven machinery. Common examples include:
The types of businesses that should consider Plant and Equipment coverage include:
Not always. A standard business policy may not cover machinery while it’s working on site or travelling between jobs. Ask us to check your current cover.
Wet hire means the machine is hired out with an operator. Dry hire means the machine only, and the person hiring it supplies the operator.
Machinery like loaders and excavators fits here. Registered trucks and work utes usually go on commercial vehicle insurance.
Yes. Hired-in plant can be covered, so you’re protected if a machine you’ve hired is damaged or stolen while it’s in your care. If something goes wrong, our claims team can help.
It depends on the machine’s value, what it’s used for, where it’s kept and your claims history. Call 07 4588 8876 for a quote based on your gear.
