Contractors, Earthmoving & Machinery Insurance
Cover for equipment, liability, and operations
Contractors and civil construction businesses face complex risks, from high-value machinery breakdowns to public liability on worksites. Since 1993, T&G Insurance Brokers has specialised in protecting contractors, earthmoving operators, and civil construction businesses with comprehensive insurance solutions.
Backed by deep industry knowledge, we work to keep your equipment, operations, and people covered — so you can focus on delivering projects safely and efficiently.
We keep your business moving.
Right cover, right advice, right & support.
Contractors insurance solutions
Mobile Plant & Equipment Insurance
Protecting your machinery on and offsite
Your machinery is the backbone of your operations. Damage, theft, or breakdown can halt work, delay projects, and result in significant financial loss.
- Owned and hired plant machinery and equipment
- Mobile cranes, excavators, loaders, and earthmoving machinery
- Theft, accidental damage, or breakdowns
- Transit and offsite coverage
Equipment downtime can cause project delays, contractual penalties, and revenue loss. Our expert brokers at T&G can help you structure insurance policies that cover the full lifecycle of your machinery, including transport and day-to-day operations. Helping you minimise the financial impact should the unexpected come your way.
Contractors Liability Insurance
Managing public and worksite liability risks
Your machinery is the backbone of your operations. Damage, theft, or breakdown can halt work, delay projects, and result in significant financial loss.
- Public liability and property damage
- Professional liability for contracted services
- Employer liability and site injury coverage
- Optional extensions for environmental or pollution incidents
Even minor accidents on worksites can lead to large compensation claims. T&G brokers tailor liability coverage to your operations, ensuring your business and assets are protected against unforeseen incidents.
Civil Construction Insurance
Tailored protection for projects and contractors
Civil construction projects involve multiple layers of risk. Your equipment, staff, subcontractors, and regulatory compliance all need protection in order to operate safely and with confidence.
- Project-specific liability and property insurance
- Coverage for excavation, roadworks, and infrastructure projects
- On-site machinery and equipment
- Contractual liability coverage
In civil construction, tight deadlines, high-value projects, and complex contractual obligations come with the territory. Working closely with you, our brokers build an insurance program around your project's scale, scope, and exposure — helping reduce the financial impact of accidents, delays, or damage.
Additional benefits for contractors
Need advice? Talk to our team of transport brokers
Why choose T&G Insurance Brokers
Your business is unique, and your insurance should reflect that. With decades of experience across transport and commercial insurance, T&G Insurance Brokers takes the time to understand how you operate, then provides practical, expert advice that protects your operations, vehicles, and people — so you can focus on driving your business forward.
When it comes to claims, we've got your back. Our dedicated team works to achieve fast, fair resolutions, guiding you every step of the way and advocating on your behalf.
Through strong industry partnerships, we deliver competitive insurance solutions tailored to your needs. No one-size-fits-all policies. Just smart, customised cover that fits your business perfectly.
Flexible Payment Solutions with Premium Funding
Insurance premiums can be a significant business expense, and paying them in a single lump sum isn't always practical. T&G offers a range of accredited premium funding options that help you manage cash flow without compromising on cover.
Why use premium funding?
- Spread your insurance payments over time
- Keep cash available for day-to-day operations
- Flexible terms to suit your business
Why use an insurance broker?
Insurance can be a complex process, navigating through the various products, covers available, exclusions and confusing terminology. Having an experienced insurance broker on your side means you have a qualified professional who acts on your behalf, not for the insurer, ensuring your specific needs are assessed and you get the insurance program that works for you.
