Public Liability Insurance can cover Mining and Resources Contractors for certain third-party injury or property damage claims, but mine-site activities must be accurately disclosed and accepted by the insurer.

Mine-site work needs specific review #

Mining principals commonly require contractors to hold Public Liability Insurance with a stated limit. The contract requirement does not, by itself, mean the policy covers every activity or contractual obligation.

Provide details of:

• the exact work performed and percentage of turnover from mine sites
• whether work is above ground, underground or within processing facilities
• use of mobile plant, explosives, hazardous materials, hot work or other higher-risk processes
• the states, territories and sites where work is undertaken
• principal contract terms, limits and any requirement to note other parties

Some insurers restrict or exclude particular mining, underground or heavy industrial activities. Others may apply special conditions, higher excesses or referral requirements.

Check the policy against the contract #

Insurance clauses, indemnities and assumptions of liability should be reviewed before signing. Webber Insurance can provide a high-level insurance review and can arrange referral for a more detailed contract review where required.

Coverage always depends on the policy wording, schedule, accepted activities and the facts of a claim.