Mining sites either a gold mine or coal mine present a combination of environmental, mechanical, and operational hazards that significantly elevate the risk compared to standard workplaces. From heavy machinery and blasting operations to remote locations and underground access, every stage of mining introduces potential for serious incidents.

Yes, we do.
We work with both incidental mining contractors and contractors that just work with mine sites.

Yes — we can arrange cover for both above-ground and below-ground mining operations. However, it’s important to note that not all insurers offer the same level of risk appetite when it comes to underground work.We work closely with a panel of underwriters who specialise in high-risk industries, including subsurface mining activities. Each policy is tailored to reflect the specific nature of your work, and we’ll ensure any restrictions, conditions, or exclusions are clearly outlined before you proceed — so you know exactly where you’re covered

No single law in Australia that universally mandates insurance for all mining contractors, most contractors are required to carry insurance as part of legal, regulatory, and site-specific compliance requirements.

A Public Liability policy provides protection solely for liabilities arising from third-party injury or property damage for which you are legally accountable.

Some policies allow you to add errors and omissions cover as an extension; however, depending on the nature of your work, it may be more appropriate to hold a separate Professional Indemnity policy. This ensures more comprehensive protection, particularly if your role involves providing advice, technical reports, or compliance sign-offs.

Yes, legal defence costs are generally included under a Public Liability Insurance policy for mining contractors.If the claim involves personal injury or property damage, your Public Liability policy typically responds. On the other hand, if the claim relates to financial loss caused by advice, reports, or professional services, this would usually fall under a Professional Indemnity policy.Both types of insurance can cover legal expenses, but the specific policy that responds depends on the nature of the incident. We help ensure you have the right combination of cover to suit your risk profile.

Yes, it is strongly recommended that any subcontractor operating under their own ABN holds their own insurance policies.While the principal contractor’s policy may offer limited coverage for the broader project, it typically does not extend protection to subcontractors acting as independent businesses. In the event of a claim where the subcontractor is found solely liable, the primary insurer may pursue recovery costs — unless a waiver of subrogation or hold harmless agreement has been formally executed.To reduce exposure and protect your business, it’s essential that subcontractors maintain their own appropriate cover.

Income protection insurance is generally arranged through a licensed financial adviser, as it is considered a form of personal insurance. These policies are typically tailored to an individual’s financial situation and long-term needs, and fall outside the scope of general business or contractor insurance
.That said, we are able to assist miners in obtaining Personal Accident and Illness Insurance, which is a practical alternative designed to provide a temporary source of income if you're unable to work due to injury or illness. While it offers a similar function to income protection, it differs in structure and duration.
The primary distinction is that Personal Accident and Illness Insurance only provides benefits for a defined period—commonly one, two, or three years—depending on the policy terms. In contrast, traditional income protection policies often extend coverage up to a specified age, such as 60 or 65. For miners seeking short- to medium-term protection without going through a financial adviser, this can be a suitable solution.

Foreman, Supervisors, Geologists, Engineers, Consultants, ERZ Controller, Mine Deputy Safety Inspector/Auditor.
These are the most frequent occupations that require professional indemnity cover however, we can consider most occupations depending on the professional services that are being provided

Exclusions applicable to mining insurance policies can typically be found in two key areas: the Product Disclosure Statement (PDS) and the policy schedule, specifically through endorsements. The PDS outlines general exclusions that apply across all occupations and policyholders, regardless of industry. In contrast, exclusions listed as endorsements in your policy schedule are usually specific to your occupation or are triggered by responses you provided during the application process. It’s important to review both documents carefully to fully understand the scope and any limitations of your cover.