We Provide Market-Leading, Comprehensive Insurance Solutions for All Aspects of Mining Operations

Many insurers steer clear of mining. That’s why we partner with specialist underwriters who support contractors in high-risk fields from coal operations and shutdown maintenance to heavy haulage,fabrication, and onsite repair work.

Mining insurance solutions available for :

Subsurface and tunnelling contractors

Welding teams, fabrication specialists, and shutdown technicians

Operators of mobile machinery and diesel mechanics

Haulage, crane, and heavy equipment transporters

How Do We Deliver Tailored Insurance Solutions to the Mining Sector?

Comprehensive Risk Check

Identify and assess operational and financial risks specific to your business

Tailored risk management solutions

Evaluate your company's risk appetite and insurance requirements

Cost-effective insurance options evaluated through detailed benefit analysis

Expert Program Placement

Leverage local and global insurance markets to secure optimal coverage

Detailed review of policy contracts to align precisely with business operations

Dedicated access to specialist underwriters for complex requirements

Customized policies designed specifically for your unique needs

Dedicated Client Support

Specialized and experienced brokers ensuring reliable service

Proactive advice and ongoing support from our locally based team

Regular communication to keep your insurance aligned with your business growth

Committed to providing timely and personalized responses

Efficient Claims Management

Experienced claims team ensuring fast and fair claim settlements

Simplified and transparent claims process

Direct coordination with adjusters and solicitors when necessary

Immediate assistance for claim preparation and ongoing support throughout the claim process

Mining Contractors Insurance: Who Benefits from Coverage?

Engineering contractors

Maintenance planners

Mine technicians

Mineral exploration specialists

Environment technology specialists

Welders

Mine geologists

Mapping and planning specialists

Fly-in fly-out workers

Superintendents

Construction workers

Mining operators

Research and development

Mining and processing technology specialists

Cementing operators

Mining engineers

Exploration and seismic research specialists

Alluvial mining specialists

Boilermakers

Mining specialists

Safety coordinators

Document contractors

Environmental management

Financial services for mining companies

Cementers

Blasthole drillers

Underground mining contractors

Earth moving specialists

Electricians

Mining software systems specialists

Drillers

Consumable supplies specialists

Energy contractors

Mining driller

Logistics management

Oil rig contractors

Dragline operators

Project managers

Welding and fabrication

Mine security specialists

Mining production engineers

Excavation specialists

Roof bolting specialists

Geotechnical engineers

Offshore contractors

Air leg miners

Drilling contractors

Mineral handling systems

General plant maintenance operators

Dewatering contractors

Mineral sands specialists

Machinery maintenance operators

Education and training specialists

IT services

Truck drivers

Mine relining services

Mineral Exploration including water drilling

Longwall support specialists

Mechanical fitters

Conveyor belt specialists

Mobile Plant Operators

Diesel fitters

Explosive specialists

Geologists

Operation of Continuous Miner

Rock Bolters

Mine management specialists

Shaft Sinkers

Specialised Insurance Solutions for Mining Industry

Mining Contractors Insurance

If your work accidentally results in injury to someone else or causes damage to property, your business could be held responsible and the financial consequences could be significant. Imagine a subcontractor getting hurt during a maintenance shutdown, or a piece of equipment damaging site infrastructure. These scenarios can quickly escalate into costly claims.

General insurance policies often don’t extend to mining operations, especially when the work involves high-risk environments or scheduled outages. That’s why we partner with specialist providers who understand the mining space and offer protection that includes on-site activity, whether it’s during maintenance cycles, exploration prep, or logistical support.

This type of insurance doesn’t just cover the incident itself — it also includes your legal defence costs if a claim is brought against your business.

mining contractor insurance

Public Liability Insurance

Public liability insurance is a fundamental safeguard for mining operations, providing essential protection against claims arising from third-party injuries or property damage. The mining sector is inherently high-risk, with heavy machinery, explosives, and constantly changing environments creating numerous hazards for contractors, suppliers, visitors, and the general public.

For mining companies, public liability insurance isn’t just a box to tick for compliance—it’s a vital part of operational risk management. Mines often operate in remote areas with complex logistical arrangements and multiple subcontractors on site, increasing the potential for unforeseen incidents.

In an era of heightened awareness around workplace safety and environmental impact, public liability insurance helps mining operators maintain trust with communities and stakeholders.

Insurance for mining contractors

Professional Indemnity Insurance

Businesses that offer expert services like mine design, site audits, geotechnical reporting, or compliance documentation  take on a unique responsibility. When clients rely on your advice or technical input, there’s a chance that any oversight or error could lead to a financial setback on their end.

That’s where Professional Indemnity Insurance becomes critical. If a client alleges that your service  such as a flawed report or miscalculation — caused a costly delay, safety issue, or operational failure, this cover helps protect you by covering legal expenses and potential damages.

It’s important to understand that Public Liability Insurance won’t extend to these types of professional errors. If your role involves offering advice, assessments, or sign-offs tied to safety or performance, PI insurance isn’t just helpful  it’s a necessity.

coal mining insurance

What is the Best Way to Pick Your Mining Insurance?

Mining is widely recognised as a high-risk industry, regardless of one’s level of experience. For this reason, it is essential to secure insurance coverage that is specifically suited to the nature of your operations.

Due to the complex and hazardous environment in which mining contractors operate, a standard policy is often insufficient. A tailored mining contractor insurance policy should reflect the unique exposures and compliance requirements associated with the sector — ensuring your business is adequately protected at all times.

Clarify What Your Mining Insurance Doesn’t Cover

Many mining contractors make the mistake of focusing solely on what a policy covers—without reviewing what it excludes. It’s these overlooked exclusions that often lead to uncovered claims. We take the time to ensure all relevant exclusions in your policy are clearly explained and fully understood before you commit.

Verify Your Listed Occupation

Each mining contractor insurance policy includes a stated occupation or a description of the services you provide. It’s essential that this accurately reflects the nature of your work. Any mismatch could affect the validity of your cover so it’s important to review and confirm that your listed occupation aligns with your actual day to day operations.

Mining drilling solution

Comprehensive Answers to Common Mining Insurance Queries

Find answers to your most pressing questions about Mining Insurance.

What makes mine sites inherently high-risk environments?

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.

Is cover available for both mining and non-mining operations?

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

Is coverage available for both surface and underground operations?

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

Is insurance legally required for mining contractors?

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.

Does mining contractors insurance include cover for income loss from site shutdowns or project delays?

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

Does mining contractor insurance provide cover for professional errors or oversights?

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.

Does mining contractor insurance include cover for legal defence costs in the event of a claim?

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.

Do subcontractors need their own mining insurance if they're listed under a principal contractor’s policy?

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.

Is income protection an option for those working in the mining industry?

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.

Still have questions?

We love to talk to you, just give us a call.

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I have just signed up with Jashan for my home and contents, it was an absolutely painless process (!!unheard of with insurance!!) and I highly recommend you giving her a call, even just to review your current insurer for a better deal.  She was extremely efficient and helpful, amended things when I asked on the spot, and the quote was great, better than elsewhere.  Underwritten by Zurich, and a really fantastic open policy, ideal for those of us who live locally, in an area with a bushfire overlay.  Recommended without reservation.
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