Protect the equipment
that keeps your business moving
Plant and machinery insurance helps cover your essential equipment against theft, accidental damage, fire, weather events, and more — so you can reduce downtime and avoid major replacement costs.
Whether you own a single excavator or manage a fleet of machinery across multiple sites, we’ll help you arrange cover that matches how you operate.
- Fast quotes
- Specialist insurers
- Cover tailored to your machinery & work sites
UnderstandingPLANT & Machinery Insurance
Why Plant and Machinery Insurance matters
Plant and machinery isn’t just a business asset — it’s often your ability to earn income.
If equipment is damaged or stolen, the impact can include:
- Costly repairs or replacement
- Delayed jobs and missed deadlines
- Hiring replacement equipment at short notice
- Lost revenue and disrupted cashflow
The right cover can help you bounce back quickly when the unexpected happens.
What can Plant and Machinery Insurance cover?
Cover depends on your machinery, usage, and policy options, but may include:
- Theft and attempted theft
- Accidental damage
- Fire and explosion
- Storm and weather events
- Collision or rollover
- Malicious damage / vandalism
- Damage while in transit
- On-site incidents and third-party impacts
We’ll help you choose cover that reflects the real risks your equipment faces.
Who is this cover for?
Plant and machinery insurance is ideal for businesses operating in:
- Construction and building trades
- Earthmoving and excavation
- Civil works and infrastructure
- Warehousing and logistics
- Agriculture and farming
- Manufacturing and industrial operations
- Plant and equipment owners (including hire businesses)
If your work relies on machinery to get the job done, this insurance is worth considering.
Machinery we can help insure
We can help arrange insurance for a wide range of equipment, including:
- Excavators
- Skid steers / bobcats
- Loaders and backhoes
- Forklifts
- Rollers and compactors
- Dozers and graders
- Cranes and lifting machinery
- Telehandlers
- Mobile compressors and generators
- Attachments, buckets, and accessories
Not sure if your equipment is covered? We can confirm what’s insurable based on your setup.
Optional add-ons (depending on your needs)
Many businesses choose to include extras such as:
- Machinery breakdown cover
- Hired-in plant cover
- Dry hire / wet hire cover
- Cover for attachments and accessories
- Transit cover for moving machinery between sites
- Tools cover (where available)
We’ll talk you through what’s relevant — and help avoid paying for cover you don’t need.
What impacts the cost of
Plant and Machinery Insurance?
Premiums can depend on:
- The value, age, and type of machinery
- How and where it’s used (site conditions, travel, interstate work)
- Storage security (yard security, GPS tracking, lock-up practices)
- Claims history
- Finance / lease requirements
- Optional extensions (like breakdown cover)
We compare options to find the best fit for both price and protection.
Why choose Bunker?
We’re not here to sell cookie-cutter policies — we help you protect the assets your business depends on.
- Cover matched to your real operating risks
- Access to specialist insurers for machinery operators
- Fast turnaround on quotes
- Support as your business grows or equipment changes
- Help at claim time — when you need it most
OUR Plant & MachineryINSURANCE partners
FREQUENTLY ASKED
QUESTIONS
Is my machinery covered while it’s being transported?
It can be, but transit cover is often optional. If you move machinery between jobs, yards, or depots, it’s worth making sure you’re protected.
Does it cover theft from a job site?
In many cases, yes — but storage conditions and security requirements can affect claims. We’ll help you set it up properly.
Can you cover hired-in or rented machinery?
Yes, hired-in plant cover may be available depending on the insurer and your work type.
Can I insure attachments and accessories too?
Often yes — buckets, augers, forks, grabbers, and other attachments can usually be included or listed separately.
Is breakdown included automatically?
Not always. Machinery breakdown is commonly an optional extension, especially for higher-value equipment.
Get a quote for Plant and Machinery Insurance
Tell us what machinery you use and how you operate — and we’ll help you arrange the right protection.