Backhoe Loader Insurance
A backhoe loader is the two in one workhorse of civil and council work, with a loader bucket up front and a digging boom at the rear, and it drives itself between jobs on public roads. That versatility means it earns its keep, but it also faces loader, digger and road risks in a single shift. Machine Cover compares backhoe loader insurance across multiple insurers and can place cover the same day, so a machine that does the work of two is protected like it.
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60 secondsThe year, make and model of the machine you want covered. Not sure? Give us the gist.
No obligation. Subject to eligibility and underwriting.
What backhoe loaders need covered
Public and product liability
A backhoe loader loads at the front and digs at the rear, often on live civil sites and near traffic. This can cover injury or property damage the machine causes while loading, backfilling or trenching, including a strike on underground services.
Accidental damage and theft
Because a backhoe loader drives between jobs on public roads, it faces road, site and yard risks in a single day. Cover can respond to theft, fire, vandalism and accidental damage wherever the machine is working or parked.
Machinery breakdown
With a loader circuit, a backhoe circuit and a driveline all working hard, there is plenty that can fail. Breakdown cover can help with the sudden mechanical or electrical failure of the machine's major components.
Front and rear attachments
A backhoe loader carries a front bucket or forks plus a set of rear digging and trenching buckets, a breaker or an auger. These attachments can be insured with the machine against theft and damage.
Dry hire
Backhoe loaders are popular hire machines with councils, farms and small builders. If you dry hire yours out, cover can be arranged so it stays protected on a third party site.
Downtime and lost income
A backhoe loader often does the work of two machines, so losing it hits hard. Business interruption cover can help replace lost income while it is off the road being repaired.
Cover, limits and examples shown are general in nature and subject to eligibility, underwriting and the terms of the issued policy.
Reviews are for Stonewell Insurance, the business behind Machine Cover. Authorised Representative of McLardy McShane Partners Pty Ltd (AFSL 232987).
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Machine Cover is a registered trading name of Stonewell Insurance Pty Ltd (ABN 23 645 965 699), Corporate Authorised Representative No. 1285612 of McLardy McShane Partners Pty Ltd (ABN 14 064 465 309, AFSL 232987).