The platform
Damage to the machine, including tip-over and transport damage.
Scissor Lift And Boom Lift Insurance
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Scissor Lift And Boom Lift Insurance
Cover for elevating work platforms, scissor lifts and boom lifts.
EWPs put people at height on a machine that is often hired rather than owned, so responsibility for the unit and for the person on it are two separate questions.
What is it?
Elevating work platforms include scissor lifts, straight and knuckle boom lifts, vertical mast lifts and trailer-mounted units, from makers such as Genie, JLG, Snorkel and Haulotte. They are used indoors and out across construction, maintenance and events.
What does scissor lift and boom lift insurance cover?
Hired-in units
EWPs you hire and are responsible for under the hire agreement.
Height work liability
Third-party injury or damage arising from work at height.
What affects the cost?
- Machine type and working height
- Owned versus hired-in fleet
- Indoor or outdoor use
- Operator ticketing
- Transport arrangements
Worth raising on the call
- Hire agreements usually make you responsible for the machine - check that is insured.
- Tip-over on uneven ground is the leading EWP claim.
- Working over public areas commonly carries specific conditions.
Claims we are commonly asked about
Scissor lift tips while elevated
An operator drives an elevated scissor lift over a cable ramp, a floor penetration or a soft edge and the machine goes over. The machine damage is often the smaller part next to the injury claim and the regulator involvement that follows.
Boom basket into shopfront glazing
During a facade clean or sign install the basket swings into glass or cladding. This is straightforward third-party property damage, but the glazing and access costs on a commercial frontage add up quickly.
Hired unit stolen from site
A scissor lift hired for a fitout is taken from an open site over a long weekend, and the hire company invoices you for its replacement value plus ongoing hire charges. That invoice is a contractual liability rather than damage to your own property.
Worth confirming in the wording
- Worth confirming whether hired-in plant cover matches what the hire agreement actually makes you liable for, including continuing hire charges while a unit is repaired or replaced.
- Worth confirming whether cover applies while an EWP is used over a public footpath or road under a permit or closure, since those situations often carry specific conditions.
- Worth confirming how the wording treats operation outside the manufacturer's slope, wind or ground bearing limits.
Common questions
Who insures a hired scissor lift, me or the hire company?
Most Australian hire agreements make the hirer responsible for loss or damage while the machine is in their possession, including theft and transport damage. That responsibility is usually addressed by hired-in plant cover on your own policy. It is worth confirming the limit covers the largest unit you hire, not the smallest.
Is a hire company damage waiver the same as insurance?
Generally not. A waiver is a contractual limitation offered by the hire company, and it typically carries its own exclusions, conditions and a contribution amount, and often excludes theft or misuse. It is worth reading what the waiver actually removes before deciding whether it replaces hired-in plant cover.
Do EWP operators need a licence?
Boom-type elevating work platforms with a boom length at or above a set threshold generally require a high risk work licence in Australia, while scissor lifts more commonly require documented training and familiarisation rather than a licence. The thresholds and requirements are set by your state work health and safety regulator. Insurers commonly expect current training records regardless.
What does EWP insurance cost?
It varies with machine type and working height, whether the fleet is owned or hired in, indoor or outdoor use, operator ticketing, transport arrangements, the hired-in plant limit selected, the excess and claims history. A small indoor scissor fleet sits in a very different place to outdoor knuckle booms.
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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