Machine and attachments
Damage to the loader and its attachment set, usually scheduled individually.
Bobcat And Skid Steer Insurance
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Bobcat And Skid Steer Insurance
Cover for skid steer loaders and their attachments.
Skid steers are small, valuable and highly portable, which makes theft and transit damage a bigger part of the conversation than for larger plant.
What is it?
Skid steer loaders, commonly called bobcats after the Bobcat brand, are compact machines with lift arms and interchangeable attachments. Makers include Bobcat, Caterpillar, Kubota, Case and John Deere, and attachments run from buckets and forks to trenchers, augers, brooms and levellers.
What does bobcat and skid steer insurance cover?
Theft
Theft from sites and from trailers, which is a leading skid steer claim.
Transit
Damage while being floated between sites on a trailer or truck.
What affects the cost?
- Machine and attachment values
- Where the machine is stored overnight
- Trailer security and tie-down practice
- Hire out versus own use
- Operator experience
Worth raising on the call
- Theft conditions around unattended trailers are worth reading before you rely on cover.
- Attachments are frequently worth more in total than people schedule.
- If you dry hire the machine out, that changes the arrangement materially.
Claims we are commonly asked about
Machine and trailer taken overnight
A skid steer left chained on a trailer outside a house or motel is taken during the night, usually along with the trailer and any attachments still loaded. This is the most frequent serious claim in this class and it turns heavily on what security was fitted.
Tipping off a formed edge
Carrying a full bucket high on a sloping block, a wheel drops over a formed driveway edge or a retaining wall and the machine rolls onto a fence or a neighbouring car. Machine damage plus third-party property damage usually run together.
Damage to a customer's finished surfaces
Turning on a new concrete driveway, cracking a stormwater lid or clipping an irrigation line in a backyard leaves the homeowner with a repair bill. These are third-party property claims rather than damage to your machine.
Worth confirming in the wording
- Worth confirming whether theft from an unattended trailer, particularly away from your own premises, requires a coupling lock, wheel clamp or immobiliser for cover to respond.
- Worth confirming whether attachments are covered while detached and stored in a yard, in a shed or fitted to another machine.
- Worth confirming whether damage to the surface you are working on, such as driveways, turf or paving, is treated as third-party property damage or falls into a care, custody and control area.
Common questions
Is the trailer covered along with the bobcat?
Usually only if it is scheduled. Plant trailers, tipping trailers and floats are commonly listed as their own items, and a trailer taken with the machine is a very common loss. It is worth checking the trailer appears on the schedule at replacement cost, not at what you paid for it years ago.
Am I covered if someone else operates my machine?
It depends on how the policy describes who may operate it. Lending a machine to another contractor, or leaving it on a site for someone else to use, can move the arrangement toward a hire situation which many wordings treat differently. If it happens regularly it is worth disclosing rather than assuming.
Do I need to list every attachment?
Generally yes. Buckets, forks, augers, trenchers, brooms and levellers are typically scheduled individually, and a full set can easily exceed a third of the machine's value. Listing them with current replacement values is the practical way to avoid an argument at claim time.
What does bobcat insurance cost?
It depends on the machine and attachment values, where the machine is stored overnight, trailer security and tie-down practice, whether you hire it out or only use it yourself, operator experience, the excess and claims history. Machines kept in a locked yard generally present differently to those living on a trailer.
General information only. Cover, limits and exclusions depend on the PDS, TMD, eligibility, underwriting and the policy terms. See mobile plant machinery insurance for the wider picture.
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