What insurances should an excavation subcontractor have?
Last reviewed July 5, 2026
An excavation subcontractor should have public liability insurance, workers' compensation, and plant and equipment insurance. They might also consider professional indemnity insurance, depending on the scope of work.
Key points
- Public liability insurance covers injury or damage to third parties.
- Workers' compensation is mandatory for employee protection.
- Plant and equipment insurance protects machinery used on site.
Make sure your subcontractor's insurances are current and cover the specific risks of excavation work. Check their policies before they start. It's your responsibility to verify their compliance with site requirements.
How Alloovium helps
Alloovium helps by tracking compliance documents and deadlines for subcontractors.
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General information for Australian construction professionals — not legal advice. Verify jurisdiction-specific requirements with the relevant regulator.