One Uninsured Claim Can Cost More Than 10 Years of Premiums
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2. Get A Tools, Plant & Equipment Insurance Quote
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Tailored Insurance for Your Tools, Plant & Equipment
From excavators and cranes to hand tools and specialist equipment, Sirius Insurance offers tailored insurance solutions to protect the assets your business depends on. We cover:
Heavy Machinery & Plant
Covers excavators, loaders, cranes, and other heavy plant against accidental damage, theft, and breakdown.
Portable Tools & Equipment
Protects power tools, hand tools, and portable equipment against loss, theft, or accidental damage on or off site.
Equipment Breakdown
Covers the cost of repairing or replacing equipment following mechanical or electrical breakdown.
Hired-In Plant
Covers your liability for loss or damage to equipment you have hired from a third party.
Transit Cover
Protects your tools, equipment, and materials against loss or damage while being transported between sites, suppliers, and storage facilities.
Public Liability
Covers legal liability for injury or property damage caused to third parties by your equipment or operations.
Business Interruption
Covers lost revenue and ongoing expenses when key equipment is out of action due to an insured event.
Theft & Vandalism
Covers the replacement or repair costs when your tools and equipment are stolen or vandalised.
Accidental Damage
Covers the cost of repairing or replacing your equipment following unintentional physical damage.
Why Businesses Choose Sirius
Your Assets Deserve Expert Protection
Access to 20+ Insurers
We compare plant and equipment policies from leading Australian and global insurers to find the best cover at the most competitive price for your assets.
Premiums Are Dropping
The insurance market is softening with premiums falling 5–15% across key commercial lines. Now is the ideal time to review your equipment cover and lock in better rates.
We Know Your Equipment
From excavators and cranes to specialist portable tools, we understand what your equipment is worth and the risks it faces on site, in transit, and in storage.
Full Claims Support
Equipment down means revenue lost. When you need to claim, we manage the process from lodgement to settlement so you can focus on getting back to work.
Ready to Protect Your Tools & Equipment?
Get a no-obligation comparison from 20+ insurers in as little as 2 business days.
Frequently Asked Questions
Tools, Plant & Equipment Insurance FAQ
What equipment can be covered under a plant and equipment policy?
Plant and equipment insurance can cover a wide range of assets including excavators, loaders, cranes, forklifts, generators, compressors, scaffolding, power tools, hand tools, and specialist trade equipment. Cover typically extends to owned, leased, and hired-in equipment. We’ll assess your full asset register and tailor the policy to match.
Does my policy cover equipment theft from a job site?
Yes — theft cover is a core component of most plant and equipment policies. However, insurers will look at your security measures (locked storage, GPS tracking, site security) when pricing your premium. Better security typically means lower premiums. We can advise on what measures will have the biggest impact on your costs.
Am I covered if hired equipment is damaged or stolen while in my possession?
Standard hire agreements typically make you liable for any loss or damage to the equipment while it’s in your care. Hired-in plant cover protects you from these costs. Without it, you could be personally liable for the full replacement value. We strongly recommend this cover for any business that regularly hires equipment.
How much does tools and equipment insurance cost?
Premiums depend on the total value of your equipment, the types of assets, your claims history, storage arrangements, and security measures. As a broker with access to 20+ insurers, we compare multiple quotes to find the most competitive option. With premiums currently dropping across commercial lines, it’s a great time to get a comparison.
Can I insure equipment that’s used across multiple sites or states?
Absolutely. Most plant and equipment policies provide Australia-wide cover, regardless of which site your equipment is on. This includes cover during transit between sites. We’ll make sure your policy has no geographic restrictions that could leave you exposed.
Save on your
Insurance Premiums
Discover how security measures, maintenance records, and equipment storage can help lower your tools and equipment insurance costs.
