Civil, Industrial & Earthworks Insurance
The cover you need, when you need it!
Ensure your business is protected—no matter the scale of your operation.
We understand the risks involved in civil, industrial, and earthworks projects. Our team is experienced in providing tailored insurance solutions for businesses in these high-risk industries, helping you manage your risks effectively. Whether you’re a sole trader or a large contractor, we offer comprehensive cover to meet your specific requirements.
PUBLIC AND PRODUCTS LIABILITY (TO $50 MILLION)
Public liability insurance is essential for contractors and businesses across all industries. At R&M Insurance Brokers, we ensure that your public liability policy accurately reflects your business activities and offers comprehensive protection against a range of potential risks. Our policies can include automatic extensions to cover common incidents like damage to underground services or the weakening of third-party supports, as well as coverage for the vicarious liability of principals.
Comprehensive Coverage: Protect your business from third-party claims and ensure you’re covered for the specific risks your business faces.
PROFESSIONAL INDEMNITY (FROM $500,000 TO $20 MILLION +)
For businesses involved in consulting, certifying, designing, or managing projects, professional indemnity insurance is critical. At R&M Insurance Brokers, our professional indemnity policies protect you from the financial consequences of a lawsuit arising from negligent work practices or a breach of professional duty. This is particularly important in civil, design, and construction sectors where professional advice and services are integral to project success. Coverage includes legal defence costs, disciplinary inquiries, and damages awarded against you.
Comprehensive Protection: Cover for negligence, breach of duty, confidentiality issues, and more.
Safeguarding Your Reputation: Includes legal costs, court attendance fees, and public relations support.
PLANT AND MACHINERY
At R&M Insurance Brokers, we offer flexible and tailored plant and machinery insurance for businesses that hire, own, or operate heavy equipment. Our policies cover a wide range of risks including breakdown, road risk liability, material damage, and business interruption. Whether you run an earthmoving, excavation, or site preparation company, we can tailor a solution to meet your needs—supporting both established businesses and start-ups across Australia.
Key Coverage Areas: Breakdown cover, road risk liability, consequential loss, material damage, and more.
Tailored Solutions: Whether your machinery is hired, dry-hired, or owned, we’ll ensure you have the right cover.
. We can also support you with any business enquiries you have for both established businesses and new start-ups in Sydney, Dubbo, and other cities in Australia.
CONTRACTORS ALL RISK (UP TO $50 MILLION)
For businesses involved in civil, industrial, or earthworks projects, our Contractors All Risk (CAR) policy offers comprehensive protection that can be tailored to the size and scope of your operation. This policy provides coverage for a wide range of risks, including damage to the contract works, equipment, and third-party liabilities. At R&M Insurance Brokers, we ensure your CAR policy is designed to fit the unique needs of your business.
Tailored Packages: A flexible solution designed to protect your project, equipment, and liabilities from unexpected risks.