Commercial Insurance
Cover written around what mine sites require
Mining and civil work carries risks that general business cover isn't written for — and site access usually depends on holding the right policies at the right limits. We arrange cover for contractors working on mine sites across SA, WA and NSW.
Contractors we arrange cover for
Each of these carries a different risk profile, and site owners often set different insurance requirements for each.
If your work sits between two of these, that's the normal case — tell us what you actually do on site and we'll write the cover around it.
How we arrange it
Start with the risk, not the policy. What's on your site, who works under you, what your contracts oblige you to hold, and what the site owner requires before you can access it. The cover follows from that.
From our clients
“Our dealings with KeyInsure have always been very friendly and helpful, also very quick response and professional advice. Pretty sure they save us money on our insurances also. Thank you.”
KeylendWho needs this cover
Contractors on mine sites and civil projects are usually required to hold specific covers at specific limits before they can access the site.
- Earthmoving and civil contractors
- Drilling, blasting and exploration contractors
- Plant and equipment hire operators
- Maintenance, electrical and mechanical contractors
- Haulage and site transport operators
- Labour hire and specialist service providers
What affects your premium
Mining and civil covers are priced on the work, the plant and the site requirements.
Nature of the work
Underground, open-cut, blasting and civil works each carry different exposures.
Plant and equipment values
Owned and hired-in plant is insured for its replacement value.
Site and contract requirements
Principal contracts often set minimum limits and specific covers.
Turnover and size
Annual revenue, number of staff and number of sites all feed into the premium.
Claims history
Past claims — yours and, in some cases, the industry’s — affect what insurers offer.
Safety systems
Documented safety management systems are usually required and help at renewal.
Common questions
What covers do mine sites usually require?
Public and products liability at a specified limit is a near-universal requirement. Depending on the work, sites may also require plant and equipment, contract works, motor and workers compensation evidence before granting access.
Is hired-in plant covered under my policy?
Only if the policy includes it. Hire agreements usually make you responsible for the plant while it is in your care, so ask us to include hired-in plant cover.
Does my public liability cover work on a mine site?
Not necessarily. Some general policies exclude mining or underground work. We arrange cover written for the sites you actually work on.
Can you provide certificates of currency quickly?
Yes. Certificates of currency for site inductions and tenders are a routine part of what we do.
Related cover
Ready when you are
General advice only. Consider the relevant PDS & TMD before acquiring any product.