Earthmoving

Frequently Asked Questions

What is Public Liability Insurance, and why do I need it?

Public Liability Insurance is essential for earthmoving contractors as it covers claims of property damage and personal injury caused by your business operations.

Many clients and project sites require proof of this cover before you can start working. Without it, you could face substantial financial losses from legal battles and compensation claims, which can significantly impact your business and livelihood. It ensures you meet client requirements and safeguards you from unforeseen incidents on-site.

How does Equipment Insurance benefit my earthmoving business?

Equipment Insurance protects your valuable machinery and vehicles from accidents, theft, and breakdowns. This type of cover is crucial for minimising downtime and financial impact in case of unexpected incidents.

Whether you operate a bobcat, excavator, or drott, Equipment Insurance ensures that any damage or loss is quickly addressed, allowing you to maintain productivity and avoid costly delays.

What does Personal Accident Insurance cover?

Personal Accident Insurance provides financial support if you are unable to work due to an accident. It covers income replacement, Temporary Total Disablement, and Permanent Total Disablement. This ensures that even if you’re injured and unable to work, you can still manage your financial obligations and maintain your standard of living. It also offers 24/7 coverage, giving you peace of mind both on and off the job.

Why should I consider Management Liability Insurance?

Management Liability Insurance is crucial for earthmoving contractors managing larger operations. It provides protection against potential legal and financial risks associated with running a business, such as employment practices liability, directors and officers liability, and regulatory risks. This cover helps shield your business and personal assets from claims that could arise from management decisions and practices.

Can I get a combined insurance package?

Yes, at Tradesure, we offer comprehensive insurance packages tailored to the specific needs of earthmoving contractors. These packages can include Public Liability, Equipment, Personal Accident, and Management Liability Insurance, ensuring you have all the necessary covers in one convenient package. This approach simplifies the insurance process and provides thorough protection for your business.

How do I make a claim if something goes wrong?

If you need to make a claim, our experienced team is here to help. We will guide you through the process, liaise with insurers on your behalf, and ensure that your claim is handled efficiently and effectively. Our goal is to minimise the stress and hassle associated with claims, allowing you to focus on getting your business back on track.

Are there specific risks for civil contractors that this insurance covers?

Yes, earthmoving insurance covers specific risks faced by civil contractors, such as operating heavy machinery in various environments, handling large-scale projects, and meeting stringent safety regulations. Our insurance solutions are designed to address these unique challenges, providing coverage that protects against accidents, property damage, legal liabilities, and financial losses to ensure that your operations run smoothly and securely.

How do I know if I have the right coverage for my business?

Our team at Tradesure is dedicated to helping you find the right coverage for your earthmoving business. We offer a thorough review of your current policies and provide an honest assessment to identify any gaps or issues. This ensures that you have the appropriate cover to protect your business against potential risks and liabilities. Contact us today to discuss your specific needs and get personalised advice.

How can Tradesure assist in case of a claim?

Tradesure is committed to providing exceptional support when you need it most. If the unexpected happens and you need to make a claim, our team will go into bat for you, liaising with insurers and handling the paperwork. We aim to take the pressure off you, ensuring a smooth and efficient claims process so you can focus on your business.