Commercial Plant & Equipment Insurance For Aussie Businesses
Commercial plant and equipment insurance addresses risks to machinery used in construction, manufacturing and other industries. Theft, accidental damage and breakdown can disrupt work, making cover for owned or hired equipment an important consideration.
Explore our equipment insurance articles, guides and news - or connect with a participating plant and equipment insurance broker from our Australia-wide referral partner network who can discuss your needs, and compare rates and options.
Plant and Equipment Insurance
Accidental Damage
Machinery Theft Risks
Machinery Breakdown Cover Options
Hired Plant Insurance
Mobile Plant Insurance
Equipment insurance quotes are provided by a selected broker from our referral network and may not represent all providers in the market. We may receive a referral fee at no cost to you. We do not provide financial advice or credit assistance directly.
At Insurance Online, we refer you to a participating insurance broker who can help you compare plant and equipment insurance quotes from Australian insurers available to them. Whether you're in construction, manufacturing, or logistics, find options to help protect your machinery, tools, and heavy equipment. Comparisons are limited to options available through the participating broker and may not represent all options in the market.
What's Covered?
Cover varies by policy and may include the following, subject to terms, limits and exclusions. Some cover may need to be added separately.
Accidental Damage: Covers unexpected damage to your plant or equipment on-site or in transit.
Theft and Vandalism: Protects against loss or theft of your valuable machinery.
Machinery Breakdown: Options to cover mechanical or electrical breakdowns.
Hired Plant Equipment: Options to include cover for leased or hired equipment.
Why Choose Us?
Access to plant insurance quotes from multiple insurers through a participating broker
Flexible cover options for a range of equipment and machinery
Access to pricing through a participating broker, who can discuss cover for your industry and requirements
Don't let equipment downtime cost you valuable business. Secure plant and machinery insurance to help protect your business assets against insured events. Request a referral now through Insurance Online to compare available policies with a participating broker.
Personal Advice
Insurance Online does not provide financial product advice or claims assistance. Your enquiry is referred to a licensed participating insurance broker from our Australia-wide referral partner network after you submit a quote request. The broker may provide quote comparisons, claims assistance or personal advice where these fall within their services and authorisation.
A participating Business Insurance Broker may be allocated to your enquiry based on your location, the basic information you provide about your requirements in your plant and equipment insurance quote request, and operational factors such as availability and bidding settings. Broker allocation is part of our referral process and is not a full assessment or personal advice from us. For this reason, it is important that you provide complete and accurate answers when you submit your enquiry.
Explore your business insurance needs with our Business Insurance Calculator. Use different cost assumptions and business scenarios to estimate potential insurable amounts and better understand the factors that may affect your calculations.
A federal parliamentary inquiry into small business insurance has reportedly pushed back its final report from 27 October 2026 to 26 February 2027, extending the wait for recommendations on insurance affordability, availability and regulation. For Australian tradies and small trade businesses, the delay matters because the inquiry is examining the types of cover many operators rely on daily, including public liability, professional indemnity, cyber risk and business interruption insurance. - read more
A new Insurance Brokers Code of Practice has been launched by the National Insurance Brokers Association, putting clearer disclosure, renewal contact and client support standards on the agenda for Australian businesses that use brokers to arrange cover. The 2027 Code takes effect on 1 January 2027 and is designed to set out, in plainer language, what clients should be able to expect from subscribing insurance brokers. - read more
The Australian Financial Complaints Authority’s latest annual review has put income protection insurance back in focus, with the product again attracting the highest number of life insurance complaints in 2025-26. The figures are a useful reminder that the real value of cover is tested not at purchase, but when illness or injury interrupts a person’s capacity to earn. - read more
A recent Australian Financial Complaints Authority determination involving a flooded farmhouse has put claims handling back under the microscope for rural policyholders, after the insurer was ordered to pay almost $432,000 across building repairs, additional temporary accommodation, professional costs and compensation for non-financial loss. The decision, dated 27 August 2026 and reported by Insurance News on 15 October 2026, is a useful reminder that the practical aftermath of a farm flood can extend well beyond the first clean-up. - read more
A recent Australian Financial Complaints Authority decision involving a vandalised Hino truck is a useful reminder that disclosure disputes in commercial motor insurance turn on evidence, not assumptions. Reported by insuranceNEWS.com.au on 15 October 2026, the matter ended with Suncorp being ordered to reinstate the policy and reassess the claim after AFCA found the insurer had not proved that undisclosed driving history would have justified refusing the risk. - read more
Plant and equipment insurance is a specialized type of coverage designed to protect construction and contracting businesses against financial losses related to their machinery and tools. This includes any equipment used in the delivery of services, such as excavators, cranes, and other vital equipment. In essence, this insurance safeguards your investment, providing peace of mind as you focus on your projects. - read more
Plant and equipment insurance is a specialized type of coverage designed to protect your crucial assets. This insurance typically covers machinery, tools, and various equipment used in the operations of your business. It ensures that, in the event of damage or theft, you won’t face major financial setbacks. - read more
Machinery breakdown insurance can help commercial plant and equipment owners manage the cost of sudden mechanical or electrical failure, but it is not the same as cover for theft, accidental damage or wear and tear. - read more
Plant and equipment insurance is a specific type of policy designed to protect the tools, machinery, and equipment that businesses rely on for their operations. This insurance safeguards against various risks, ensuring that your essential assets are not a financial burden during unforeseen circumstances. - read more
Mobile plant can face different insurance and regulatory issues when it is transported between worksites or operated on or near public roads. Businesses should understand how plant insurance, transit cover, registration, CTP and liability policies may interact. - read more
Knowledgebase
Term Life Insurance: A form of life insurance that is a pure protection policy with no cash or maturity value which lasts for a specific length of time, called a term.
