Attachment schedule
Damage to buckets, brooms, augers, trenchers, mulchers and grabs, which usually need listing item by item.
Skid Steer Loader Insurance
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Skid Steer Loader Insurance
Cover for wheeled skid steers and compact track loaders.
A skid steer is really an attachment carrier, and that is where the money often sits. Owners insure the machine and forget that the buckets, brooms, augers, trenchers and mulchers behind the shed can be worth as much again. Compact track loaders add another wrinkle, because rubber tracks and undercarriage wear are treated as maintenance rather than damage.
What is it?
Skid steer loaders steer by driving one side faster than the other, on four wheels or on rubber tracks in the case of a compact track loader. Makers sold in Australia include Bobcat, Caterpillar, Case, New Holland, ASV, Takeuchi, Kubota and JCB. They work in landscaping, small civil, farming, hire fleets and demolition, and swap attachments several times a day.
What does skid steer loader insurance cover?
Theft and transit
Theft from trailers and yards, and damage while being floated between jobs, generally subject to security conditions.
Rollover and liability
Third-party injury and property damage, including incidents involving raised arms and loaded attachments.
What affects the cost?
- Machine and attachment values
- Wheeled or tracked configuration
- Overnight storage and trailer security
- Dry hire out versus own use
- Landscaping, civil or demolition work
Worth raising on the call
- Rubber tracks and tyres are usually treated as wear items rather than insured damage.
- Dry hiring the machine out to others is a material change that has to be declared.
- The attachment schedule is the part most often out of date after a couple of busy seasons.
Claims we are commonly asked about
Machine and trailer taken overnight
A skid steer left loaded on its trailer at a partly fenced site is hooked up and driven away during the night. Recovery generally depends on the security described when cover was arranged, and on whether the machine was fitted with the immobiliser or tracker the insurer was told about.
Mulcher throws debris into a window
A flail mulcher head picks up a rock and throws it through the front window of a house across the street. Damage caused by objects thrown from an attachment is a liability question rather than a plant one, and it is worth knowing whether the wording deals with it.
Track thrown on demolition rubble
A compact track loader working over broken slab and reinforcing throws a rubber track and damages the roller frame and idler behind it. The track itself is commonly treated as a wear item, while the frame damage is usually assessed differently.
Worth confirming in the wording
- Worth confirming whether attachments are covered while detached and stored at your yard, on a trailer or left at a client's site between visits.
- Worth confirming whether injury or damage caused by objects thrown from a mulcher, broom or flail head is covered by the liability section.
- Worth confirming whether the policy responds when the machine was being operated by a labourer, apprentice or other person without documented training.
Common questions
Do I need a licence or ticket to operate a skid steer in Australia?
There is no national high risk work licence specifically for skid steers, but work health and safety duties still require employers to ensure operators are trained and competent. Many sites and principals require a verification of competency before letting anyone on a machine. Insurers commonly ask about operator training after an incident, so keeping records is sensible.
Are my attachments covered automatically with the machine?
Usually not. Attachments are commonly scheduled item by item with their own values, and on a skid steer the buckets, brooms, augers, trenchers and mulchers can be worth as much again as the machine. The attachment schedule is the part most often out of date, so it is worth reviewing each renewal.
Am I covered if I dry hire the machine out to someone else?
Only if it has been declared. Dry hire is a material change to the risk because you no longer control who operates the machine, how it is used or where it is left overnight. Insurers commonly rate hire-out use differently, and the hire agreement should also set out who is responsible for damage while the machine is out.
What does skid steer insurance cost?
It depends on the setup rather than a standard rate. The main drivers are the combined machine and attachment values, whether the machine is wheeled or tracked, overnight storage and trailer security, whether it is dry hired out, whether the work is landscaping, civil or demolition, and claims history.
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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