Working on or near mining sites is high-reward, but also high-risk. Whether you’re a diesel fitter, boilermaker, auto electrician, or transport contractor, the wrong insurance—or lack of it—can cost you your job, your equipment, or even your business.
These days, most mine sites won’t let you on-site without proof of insurance. Here’s a breakdown of the key insurance policies every mining contractor in Australia should consider.
🔍 Essential Insurance Covers for Mining Contractors
âś… Public Liability Insurance
Minimum cover typically required:Â $20 million
Covers third-party injury or property damage
Required at every mine site and project entry point
âś… Tools & Equipment (General Property) Insurance
Covers tools, plant, and equipment against theft, damage, or loss
Includes cover while on-site, in vehicles, or during transport
âś… Contractors Plant & Machinery Insurance
For larger or more valuable items like cranes, skid steers, telehandlers, compressors, and trailers
Provides cover for accidental damage, fire, rollover, flood, and theft
Can include loss of hire and hired-in plant extensions
âś… Personal Accident & Illness Cover
âś… Commercial Motor Insurance
Covers work vehicles:Â Utes, trailers, light trucks, or service rigs
Ensure policies include mine-spec accessories and off-road use if needed
âś… Workers Compensation Insurance
đź“ť Depending on Your Contract, You May Also Need:
Contract Works Insurance – Required for larger installs or projects involving construction obligations
Professional Indemnity Insurance – If you’re designing systems or providing certified advice
Cyber Liability Insurance – If your work involves control systems, remote monitoring, or sensitive data
đź“Ś Important:
Contract requirements vary. Your contract may specify:
The exact type and level of cover required
Whether the principal must be noted as an interested party
Naming conventions on your Certificate of Currency
🔍 Always Review Your Contracts
Before signing any contract or site access agreement, it's important to:
Review all clauses carefully (especially indemnity and liability sections)
Get advice from a qualified legal advisor if you’re unsure
Ensure your insurance matches your contractual obligations
⚠️ Disclaimer:
This article offers general information only. Insurance requirements vary depending on your business structure, location, activities, and contractual obligations. Always seek specific advice from a licensed insurance broker or legal expert.
👉 Need Assistance?
AtÂ
Gardian Insurance Brokers in Mackay, we specialise in supporting contractors working in and around the mining sector. If you want to make sure your policies are compliant with site entry requirements, or if you’d like help reviewing your insurance cover:
