Mobile Plant & Machinery Insurance Covers Equipment That Moves

Mobile Plant & Machinery Insurance covers mobile plant and machinery — such as excavators, loaders, cranes, and earthmoving equipment — against accidental damage, fire, theft, and other insured events. It applies whether the equipment is owned, leased, or hired, and whether it's registered for road use or restricted to site.

Mobile plant often moves between sites and can be exposed to risks that fixed equipment isn't, including transport damage and theft from unattended sites. We help you structure cover that follows the equipment wherever it's working.

Which Sectors Often Need Mobile Plant & Machinery Insurance

These are the sectors where Mobile Plant & Machinery Insurance is typically a core requirement — not on the list? Get in touch and we'll talk through what you need.

Click on a sector to learn more about other insurances that may be needed to protect your business.

What You'll Need for a Mobile Plant & Machinery Insurance Quote

We'll talk you through it so that you get the insurance you need for your situation
Equipment List

A list of the mobile plant you want insured, including make, model, age, and value.

Sites & Movement

Where the equipment typically operates and how often it moves between sites.

Ownership & Financing

Whether each item is owned, leased, or financed, since this can affect how a claim is settled.

Claims History

The details of any claims made in the past 5 years.

How Mobile Plant & Machinery Insurance Differs From Related Products

Mobile Plant & Machinery vs. Plant, Equipment & Machinery

Mobile Plant & Machinery is structured for equipment that moves between sites or operates on public roads. Plant, Equipment & Machinery typically covers fixed or site-based equipment with different risk considerations.

Mobile Plant & Machinery vs. Portable Tools & Plant

Mobile Plant & Machinery covers larger mobile plant. Portable Tools & Plant covers smaller tools and equipment that can be carried by hand or in a vehicle.

Mobile Plant & Machinery vs. Commercial Motor Fleet

Commercial Motor Fleet covers registered, road-going vehicles. Mobile Plant & Machinery covers mobile plant that often isn't registered for road use, such as excavators or cranes.

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Polaris is an Australian insurance broker. We place and review cover for businesses that want a policy built around them, and service to match.

Company

HEAD OFFICE

Backed by the strength of Steadfast

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The information on this page is general in nature and does not take into account your individual objectives, financial situation, or needs. Before making a decision about an insurance product, consider whether the information is appropriate for your circumstances and read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD). Polaris Risk Services Pty Ltd ABN 62 689 768 634 AFSL 700131 acts as your insurance broker and sources policies from a range of insurers on your behalf. Polaris does not act for any insurer.

© 2026 Polaris Risk Services Pty Ltd.

Logo

Polaris is an Australian insurance broker. We place and review cover for businesses that want a policy built around them, and service to match.

Company

HEAD OFFICE

Backed by the strength of Steadfast

Steadfast logo

The information on this page is general in nature and does not take into account your individual objectives, financial situation, or needs. Before making a decision about an insurance product, consider whether the information is appropriate for your circumstances and read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD). Polaris Risk Services Pty Ltd ABN 62 689 768 634 AFSL 700131 acts as your insurance broker and sources policies from a range of insurers on your behalf. Polaris does not act for any insurer.

© 2026 Polaris Risk Services Pty Ltd.