Plant & Machinery Insurance
Plant and machinery is the backbone of construction, civil, farming and earthmoving businesses across Australia, and it represents a huge investment to protect. Whether you run a single excavator or a full fleet of mixed plant, the right insurance keeps you working when a machine is damaged, stolen or breaks down, and protects you if your work causes injury or damage to others. Machine Cover, a brand of Stonewell Insurance, is a licensed broker that arranges plant and machinery insurance across all machine types. We compare policies from multiple insurers so your cover fits the machines you run and the way you work.
Quick Quote
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 plant and machinery need covered
Public and product liability
Plant works around people, property and other trades, whether on a construction site, a road project or a farm. Public and product liability cover can respond if your machine or your work causes injury to a third party or damages property that is not yours. It is often required before you can start on site or win contract work.
Accidental damage and theft
This is the core cover for the machines themselves. It can respond when plant is damaged by accident, collision, rollover, storm or fire, and when a machine or its parts are stolen from a site, yard or in transit. It applies across excavators, loaders, dozers, cranes, telehandlers and the rest of your fleet.
Machinery breakdown
Engines, hydraulics, transmissions and electrics fail under heavy commercial use. Machinery breakdown cover can help with sudden mechanical or electrical failure, reducing the sting of major repairs and keeping productive plant on the job.
Attachments
Buckets, augers, hammers, grabs, forks and other attachments are valuable and easy to overlook. Cover can be extended to attachments across your machines, whether fitted, in the yard or moving between jobs, so they are protected alongside the base machine.
Dry hire
If you hire plant out without an operator, dry hire cover can respond to damage while the machine is in someone else's hands. This matters for operators who supplement income by hiring idle plant to other businesses, where the standard policy may not otherwise apply.
Downtime and business interruption
When a key machine stops, the jobs it was on stop with it. Business interruption cover can help replace lost income or fund a hired replacement while your plant is repaired, so a single breakdown does not stall your whole program.
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).
Ready to get plant and machinery covered?
Tell us about your business in about 60 seconds and we come back to you with options.
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).