The roller and drum
Damage to the machine, drum, vibration system and drivetrain, generally scheduled by unit value.
Compactor And Roller Insurance
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Compactor And Roller Insurance
Cover for smooth drum, padfoot and multi-tyre compaction rollers.
Rollers cause two very different problems. They roll over, usually off a batter or embankment edge, and they shake nearby buildings, which turns into third-party claims for cracked walls and slabs near road and subdivision works. The machine itself is comparatively cheap to replace next to a street of vibration complaints, and small rollers are a common theft item.
What is it?
Compaction rollers include single and double smooth drum units, padfoot rollers for cohesive material, multi-tyre rollers for asphalt, and small walk-behind and trench compactors. Bomag, Dynapac, Caterpillar, Hamm, Ammann, Sakai and Wacker Neuson are commonly used in Australia. Most run a vibratory drum, which is where both the productivity and the neighbouring-property exposure come from.
What does compactor and roller insurance cover?
Overturning and rollover
Rollovers on batters, embankment edges and stockpiles, which are the leading roller loss.
Vibration damage to property
Claims from neighbouring owners for cracking attributed to compaction, usually a liability question.
What affects the cost?
- Machine size and value
- Proximity of the works to existing buildings
- Batter and embankment work
- Operator ticketing and experience
- Storage of small rollers overnight
Worth raising on the call
- Vibration damage claims are usually handled under liability rather than the plant section, and wordings vary.
- Dilapidation surveys of nearby properties before works start are the practical defence against those claims.
- Small trench and walk-behind compactors are frequently stolen and often missing from the schedule.
Claims we are commonly asked about
Roller over the batter edge
A smooth drum roller compacting the shoulder of an embankment loses the edge and rolls down the batter, damaging the ROPS, drum and hydraulics. Recovery usually needs a crane or excavator, and the incident normally triggers a WHS notification as well as a claim.
Cracked cornices next door
Residents beside a subdivision road build claim vibratory compaction cracked their cornices, tiles and driveway slab. These are handled under liability rather than plant, and outcomes generally turn on whether a dilapidation survey was done before the works started.
Trench compactor taken from a ute
A walk behind trench rammer and a plate compactor are lifted out of an open ute tray parked at a job. Because these small items are often not individually listed, settlement is frequently limited by the per item cap under the unspecified small plant section.
Worth confirming in the wording
- Worth confirming whether liability for vibration, subsidence, and weakening or removal of support to neighbouring buildings and structures is covered, or whether it is limited or excluded in the wording.
- Worth confirming whether small walk behind and trench compactors are individually scheduled or fall under the unspecified item limit, and what the per item cap actually is.
- Worth confirming whether theft from an open ute tray, an unlocked trailer or an unfenced site is covered, and what securing or storage conditions apply after hours.
Common questions
Am I liable if compaction cracks a neighbour's house?
Liability generally requires that you were negligent or that the damage arose from your work in a way the law recognises, and vibration claims are commonly contested on causation. The practical defence is a pre works dilapidation survey with photographs, plus vibration monitoring where the works are close to existing structures. Whether the policy responds depends on how vibration and support are treated in the liability wording.
Do rollers need to be registered?
Self propelled rollers used within a site are generally treated as plant rather than registered vehicles. Where a roller travels along a road under works or between adjacent jobs, some states have a conditional registration category with its own conditions. It is worth checking the position with your state road authority and making sure the plant policy covers the machine in the way it actually moves.
What does roller insurance cost?
It depends on the machine and the work, and quoting a figure without underwriting would be misleading. Machine size and value, how close the works sit to existing buildings, whether batter and embankment work is involved, operator ticketing and experience, storage of small rollers overnight and claims history are the main drivers. The liability limit needed for vibration exposure often matters more than the machine value.
Does the roller need ROPS and a seatbelt?
Australian WHS duties generally require ride on plant with a rollover risk to have appropriate operator protection and restraint in place and maintained, and rollover on batters is a recognised roller hazard. Regulators and principals commonly check this, and insurers frequently ask about it at underwriting. Worth confirming with your state WHS regulator and keeping the maintenance records to hand.
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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