Mining Contractor Insurance

If you’ve got a depot, yard, or site office backing your operation, Business Package insurance keeps the whole setup protected. It combines key covers into one smart policy, so your gear, workspace, and day-to-day business are looked after when things go sideways.

This cover typically includes:

• Buildings, tools, and business contents
• Stock, materials, and electronics
• Fire, storm, theft, or vandalism
• Business interruption (lost income if you can’t trade)
• Glass, signage, and portable equipment
• Optional Public Liability for your premises

Whether you’re running a one-shed setup or managing a crew across a few regional sites, we’ll structure a package that fits the way you work and covers what matters most.

Your tools and equipment aren’t just gear, they’re your livelihood. This cover ensures you’re protected if your gear gets stolen or damaged, whether it’s stored in your ute, operating on site, or in transit between jobs.

Includes cover for:

• Tools of trade
• Generators, small attachments, and portable gear
• Electrical equipment

Need flexibility? We can customise your policy to cover equipment across multiple work zones and even across state lines, keeping you protected wherever the job takes you.

Contract Works Insurance protects your project during the build, from early groundwork right through to handover. It’s often written into contracts and keeps your works, materials, and time on site covered if something goes wrong mid-job.

This cover typically includes:

• Damage to works in progress
• Theft or vandalism of materials or equipment
• Weather-related delays or disruptions

Whether you’re laying foundations, running SMP packages, or delivering fixed-price scopes, we’ll structure your cover around how you work: single projects, annual turnover, or a rolling program of jobs. No fluff, no surprises, just the protection you need to keep building.

This covers your larger assets and site-used machinery, such as heavy equipment, mobile plant, and mounted gear, protecting them against damage, fire, theft, rollover, and even certain breakdowns.

Common examples include:

• Excavators, skid steers, loaders, and compressors
• Registered or unregistered plant
• Coverage for site use, floatage, and off-road activities
• Optional cover for wet/dry hire arrangements
• Protection during transit between job sites

Proper scheduling is crucial. We’ll also ensure your plant and equipment are valued and listed correctly, so there’s no surprises if you need to make a claim.

If you’re injured or become ill and can’t work, this cover helps keep your income flowing, whether it happens on-site, off-site, or outside of work hours.

Includes cover for:

• Lost income due to injury or illness (on-site or off-site)
• Optional death and capital benefits
• Sole traders, subcontractors, or ABN-holders without Workers Comp

Cover is generally active 24/7, though exclusions can apply — including injuries related to professional sport, alcohol consumption, or criminal activity.

This type of insurance is essential if Workers Comp doesn’t cover you, ensuring your income is protected no matter what.

Workers Compensation insurance is required if you employ anyone, casual, part-time, or full-time.

We help you:

• Meet state-based mine Workers Compensation requirements (e.g., WA, Tas, NT)
• Include Principals Indemnity if needed by contract
• Correctly classify subcontractors to avoid issues at claim time
• Ensure Working Directors have adequate cover
• Advise strategically on lodging accurate Actual and Estimated Wages Declarations
• Manage specific risks like underground work and asbestos exposure

Workers Compensation can cover a worker’s medical expenses, provided they are fair and reasonable. If a claim has been accepted, ongoing medical expenses can be covered. In the case that any costs had been accrued before claim acceptance, they can be reviewed for reimbursement. 

Get it right from the start. We’ll help ensure your Workers Comp policy meets all your obligations and protects your team.

If your work involves giving advice, signing off on scopes, or providing reports that others rely on, Professional Indemnity insurance has your back. It protects you if someone claims that your advice or documentation caused them financial loss, even if you did everything right.

Includes cover for:

• Safety advice, inspections, and risk assessments
• Reporting on compliance, quality, or project methods
• Design and Construct responsibilities
• Legal defence costs and compensation payouts

Commonly needed by:

• Site supervisors, project leads, engineers, consultants
• Contractors asked to approve or sign off on plans
• Anyone providing written advice that forms part of the job

Even a small error in a report can lead to big costs if something goes wrong. We’ll help you set up a policy that suits your role, so you’re protected when the paperwork matters.

Even if you’re running your business by the book, a tax audit can throw everything off, especially when you’re juggling contracts, equipment, and site schedules. Tax Audit insurance covers the professional fees involved in responding to an ATO audit, so you’re not out of pocket just for proving you’re in the clear.

This cover can respond to:

• ATO audits and investigations into business income or expenses
• BAS, payroll, and superannuation compliance checks
• GST or Fringe Benefits Tax reviews
• Accountant, bookkeeper, or legal costs related to the audit

Whether you’re operating under a company structure or as a subcontractor with a few staff, we’ll help set up cover that makes sense for how you run the books and protects your cash flow if the ATO comes calling.

If you’re running a mining or contracting business, even a small crew, you carry the responsibility for safety, compliance, and how your team is managed. Management Liability insurance protects you and your business if someone alleges mismanagement, WHS breaches, or other director-level issues.

This cover can help with:

• WHS incidents or safety breaches on site
• Employment disputes, like unfair dismissal or bullying claims
• Allegations of mismanagement or breach of duty
• Regulatory investigations from WorkSafe or other bodies

Ideal for businesses operating as a Pty Ltd company, or anyone managing teams, quoting contracts, or handling compliance on-site. One claim could tie up your time and money; we’ll help keep you protected so you can stay focused on the job.

Protect your vehicles used for mining and site work, from a single ute to a full fleet of 4WDs, vans, trucks, and trailers. Whether you’re running one crew or managing multiple teams across sites, this cover keeps your vehicles and attachments insured wherever the job takes them.

Ask us about:

• Coverage for vehicles used on public roads and mine access roads
• Adding plant trailers, tool carriers, or floats to your policy
• Flexible fleet policies with automatic additions and removals
• Options for hired, leased, or loan vehicles
• Cover for off-road and remote site driving

We’ll help you build a schedule that fits your setup, so your fleet stays on the move, with the right cover behind every rig.