Bobcat Insurance
A bobcat does the work of a much bigger machine on sites where there is no room for one.
We arrange bobcat insurance that covers the machine, the attachments on the trailer and the damage a small loader can do to a site full of new work.
Wheeled skid steers and tracked loaders, arranged by a broker who knows the difference.
Cover for Bobcats and Skid Steer Loaders
Bobcat is the word everyone uses on site, and it covers a fair range of machines: wheeled skid steers, tracked loaders and the mini loaders that fit through a side gate.
They work in the tightest part of a job, surrounded by fresh kerbs, new driveways, reticulation and services that are easy to catch and expensive to put back.
We build cover around the machine, the attachments and that third-party exposure, because on a residential block the damage bill is often larger than the machine.
“A bobcat is a tool carrier. Cover the machine and forget the attachments and you have insured about half of what is on the trailer.”
What Bobcat Insurance Typically Covers
Cover is tailored to the machine and how you work, and generally includes the following.
- Accidental damage, collision and rollover to the machine
- Fire, theft and attempted theft, including theft from an unfenced site
- Attachments scheduled with the machine: buckets, augers, trenchers, brooms and grapples
- Theft of attachments from the trailer or the site, separately to the machine
- Transit cover while the bobcat is on a trailer or float between jobs
- Hired-in plant cover when you dry hire a machine for a job
- Third-party damage to kerbs, driveways, fences and neighbouring work
- Damage to underground services, where the extension is available
Cover varies by insurer and how you operate. We confirm exactly what is and isn’t included before you rely on it.
The Risks a Bobcat Faces
A small machine on a busy residential block carries exposures a standard motor policy was never written for.
Theft Off an Open Site
A bobcat fits on a car trailer, and most residential sites have no fence and nobody on them after knock-off. Insurers look closely at how the machine is left overnight.
Attachments Going Missing
Buckets, augers and breakers are left on site or on the trailer and are taken separately from the machine, which is why they need scheduling in their own right.
Damage to New Work
Working within a metre of a new kerb, driveway, fence or retic line means the third-party bill can run well past the value of the machine that caused it.
Cover Types That Work With Bobcat Insurance
Most operators pair the machine policy with one or two of these, including cover for whatever tows the trailer.
Get Bobcat Insurance Sorted Properly
Talk to a specialist transport and plant broker who knows what your asset is worth and how it works.
Call 1300 78 78 25Other Vehicles & Equipment We Cover
Most operators run more than one type of asset. These are the ones most often insured alongside it.
Get a Bobcat Insurance Quote
Tell us about your asset and how you use it. We’ll arrange cover that fits and respond within 1 business day.
Call us1300 78 78 25Bobcat Insurance: Frequently Asked Questions
Wheeled skid steers, tracked compact loaders and the mini loaders used on tight residential blocks. Bobcat is a brand name that has become the everyday word for the machine, so tell us what you actually run and we will cover it under mobile plant.
They should be, and this is the gap worth checking. Buckets, augers, trenchers, brooms and breakers are scheduled alongside the machine, and on a working trailer they can add up to a large share of what you own.
It can be, and it is worth talking through properly. Compact loaders are easy to load and take, so insurers ask how the machine is secured after hours. Telling us honestly how you leave it is what keeps the claim clean later.
Yes, transit cover is a core part of the policy. Loading and towing is one of the higher-risk parts of the week for a machine this size, so we confirm the cover follows it between jobs.
That is a liability exposure, not a machine one. The plant policy pays for damage to your bobcat, and a public liability policy answers the damage your bobcat does to someone else's property. Most operators need both.
Usually yes. When you hire a bobcat in you are generally responsible for it while it is in your care, so hired-in plant cover stops the rental company's claim landing on you.
Compliance Disclaimer: This information is general in nature and does not take into account your objectives, financial situation or needs. Please consider the relevant Product Disclosure Statement (PDS) before making any decision.