| Australian Bureau of Statistics: Counts of Australian Businesses, June 2022 to June 2026 (released 18 August 2026) | Number of businesses in each industry and the change over 2025-26 | Earthmoving equipment insurance, Construction equipment insurance, Mining and quarrying equipment insurance, Truck trailer and transport equipment insurance, Agricultural equipment and farm machinery insurance |
| Australian Bureau of Statistics: Counts of Australian Businesses, June 2021 to June 2025, data cube 2: businesses by industry class (released 16 December 2025) | Building and other industrial cleaning businesses (ANZSIC class 7311) at 30 June 2025, by employment size | Cleaning equipment insurance: sweepers |
| Australian Bureau of Statistics: Lending Indicators, June quarter 2026 | New plant and equipment finance written for small businesses in 2025-26 | Buying equipment on finance, Excavator insurance, Tractor insurance, Forklift insurance, Earthmoving equipment insurance, Construction equipment insurance, Mining and quarrying equipment insurance, Truck trailer and transport equipment insurance, Agricultural equipment and farm machinery insurance, Cleaning equipment insurance: sweepers |
| Australian Taxation Office: Instant asset write-off for eligible businesses (updated 28 August 2026) | The $20,000 instant asset write-off limit, who can use it, and the small business pool | Buying equipment on finance, Instant asset write-off: what it means when you buy equipment, Equipment insurance glossary: plain-English terms |
| Infrastructure Australia: 2025 Infrastructure Market Capacity Report | The public infrastructure pipeline and the size of the construction market | Earthmoving equipment insurance, Construction equipment insurance |
| Queensland Government: Conditional registration for agricultural vehicles | What conditional registration is for | Tractor insurance, Agricultural equipment and farm machinery insurance |
| Transport for NSW: Tractor conditional registration sheet (September 2025) | What a conditionally registered tractor can be used for in NSW, and its road conditions | Tractor insurance, Conditional registration for machinery: the rules by state, and what it doesn’t cover, Agricultural equipment and farm machinery insurance |
| VicRoads: Register non-compliant vehicles | Who can get conditional registration in Victoria, and the conditions VicRoads can set | Tractor insurance, Conditional registration for machinery: the rules by state, and what it doesn’t cover, Agricultural equipment and farm machinery insurance |
| Queensland Government: Conditional registration explained | Which machines can be conditionally registered, including forklifts, tractors, graders and harvesters | Forklift insurance, Equipment insurance glossary: plain-English terms, Conditional registration for machinery: the rules by state, and what it doesn’t cover |
| Australian Bureau of Statistics: Consumer Price Index, insurance (quarterly series to June 2026; monthly release September 2026, published 28 October 2026) | How fast insurance prices paid by households have risen against all prices | Why insurance premiums keep rising, and what a fixed premium changes, Home, Excavator insurance, Tractor insurance, Forklift insurance, Earthmoving equipment insurance, Construction equipment insurance, Mining and quarrying equipment insurance, Truck trailer and transport equipment insurance, Agricultural equipment and farm machinery insurance, Cleaning equipment insurance: sweepers |
| Reserve Bank of Australia: Statement on Monetary Policy, May 2023 (Inflation) | Why insurance premiums rose: claims from natural disasters | Why insurance premiums keep rising, and what a fixed premium changes |
| Insurance Council of Australia: Catastrophe Resilience Report 2025-26 | Declared events, claims and insured losses in 2025-26 and since 2019, and flood losses since the 2000s | Why insurance premiums keep rising, and what a fixed premium changes |
| business.gov.au: What does the Budget mean for your business? (13 May 2026) | That the $20,000 instant asset write-off would be made permanent for small businesses with turnover under $10 million | Instant asset write-off: what it means when you buy equipment |
| Federal Register of Legislation: Treasury Laws Amendment (Tax Reform No. 2) Act 2026, No. 71, 2026 (Schedule 2) | The $20,000 instant asset write-off for small business entities, now in law | Instant asset write-off: what it means when you buy equipment |
| Insurance Council of Australia: Insurance Catastrophe Resilience Report 2023-24 | Natural disaster claims since 2019, the rising cost of flood, and what drives insurers’ costs | Why insurance premiums keep rising, and what a fixed premium changes |
| Insurance Council of Australia: 2022 flood now third costliest natural disaster ever | The 2022 east coast flood, the costliest flood in Australian history | Why insurance premiums keep rising, and what a fixed premium changes |
| Australian Business Roundtable for Disaster Resilience & Safer Communities: Special report, update to the economic costs of natural disasters (Deloitte Access Economics, 2021) | The cost of natural disasters to Australia, now and by 2060 | Why insurance premiums keep rising, and what a fixed premium changes |
| Department of Defence: Guidance note, insurance certificates of currency | What a certificate of currency is, and what it doesn’t show | Certificate of currency: what it is and how to get one for financed equipment |
| Consumer Affairs Tasmania: What is a Certificate of Currency? (updated 14 June 2022) | What a certificate of currency typically includes, and documents that are not accepted instead | Certificate of currency: what it is and how to get one for financed equipment |
| Local Government Association of SA Procurement: Plant & Equipment Hire (Wet & Dry Hire), contract LGAP 25082 | How councils buy plant hire in separate dry hire and wet hire categories | Wet hire vs dry hire: the difference, and who insures what |
| SA Government: Special purpose vehicle registration (updated 7 May 2026) | Conditional registration of special purpose vehicles in South Australia, and the conditions that can apply | Tractor insurance, Conditional registration for machinery: the rules by state, and what it doesn’t cover, Agricultural equipment and farm machinery insurance |
| SA Government: Seasonal registration (updated 30 January 2024) | Seasonal registration for vehicles used part of the year, such as a farm truck at harvest | Tractor insurance, Conditional registration for machinery: the rules by state, and what it doesn’t cover |
| NSW Government: Apply for conditional registration | What conditional registration is, and that its CTP covers roads and road-related areas but not private property | Conditional registration for machinery: the rules by state, and what it doesn’t cover |
| NSW Government: Apply for seasonal registration | Seasonal registration periods for agricultural vehicles, and the separate green slip it needs | Conditional registration for machinery: the rules by state, and what it doesn’t cover |
| Motor Accident Insurance Commission (Qld): About CTP insurance (updated 13 July 2026) | What CTP insurance covers and doesn’t cover, including vehicle and property damage | Conditional registration for machinery: the rules by state, and what it doesn’t cover |
| Department of Transport WA: Application for Agricultural Machinery or Agricultural Special Purpose Vehicle Concession, form VL18 (updated 30 March 2026) | Definitions of agricultural machine and agricultural special purpose vehicle, and the farming-use declaration | Conditional registration for machinery: the rules by state, and what it doesn’t cover |
| Transport Tasmania: Restricted Use Registration (updated 22 July 2026) | Tasmania’s conditional (restricted use) registration, Class A1 agricultural use, MAIB premiums and interstate use | Conditional registration for machinery: the rules by state, and what it doesn’t cover |
| NT Government: Conditional registration | How conditional registration works in the NT, and the duty to carry a statement of the conditions | Conditional registration for machinery: the rules by state, and what it doesn’t cover |
| NT Department of Logistics and Infrastructure: VIB81 Conditional Registration Process, Special Purpose Vehicles (31 May 2021) | NT general use machine types, condition codes and minimum roadworthy requirements | Conditional registration for machinery: the rules by state, and what it doesn’t cover |
| Insurance Contracts Act 1984 (Cth), sections 59, 60 and 62: cancelling general insurance, including instalment contracts | When an insurer can cancel for unpaid premium, the written notice it must give, and the one-month rule for instalment contracts | Insurance premium funding vs paying monthly: what happens if you miss a payment |
| Westpac: Insurance Premium Finance (business banking) | How a premium funding loan is described, its term, minimum premium, security, fees and tax treatment | Insurance premium funding vs paying monthly: what happens if you miss a payment |
| Westpac: Insurance Premium Funding general terms (version March 2025) | The security interest over the policy, what counts as a default, the 30-day notice, and what the lender can do on default | Insurance premium funding vs paying monthly: what happens if you miss a payment |
| Dynamoney: Insurance Premium Funding | Premium funding terms: 10 or 12 instalments, amounts, ABN age, security and tax treatment | Insurance premium funding vs paying monthly: what happens if you miss a payment |
| Reserve Bank of Australia: Statistical table F7, Business lending rates (published 8 October 2026) | The average fixed rate on new small business loans (8.09%, August 2026), the calculator’s starting rate | Equipment finance calculator, with insurance included, Balloon payments on equipment finance: lower repayments, higher total cost, Chattel mortgage for equipment: how it works, and what your lender needs |
| Australian Taxation Office: GST issues register, Hire purchase agreements and chattel mortgage | What a chattel mortgage is, how it differs from hire purchase, and when the GST credit can be claimed | Chattel mortgage for equipment: how it works, and what your lender needs |
| ANZ: Chattel Mortgage Terms and Conditions (02/2025) | A lender’s insurance requirements, PPSR registration, balloon options and default terms on a chattel mortgage | Chattel mortgage for equipment: how it works, and what your lender needs, Balloon payments on equipment finance: lower repayments, higher total cost, Equipment finance calculator, with insurance included |
| Moneysmart (ASIC): Car loans, balloon payments (updated 24 June 2026) | What a balloon payment is and why it raises the total cost of a loan | Balloon payments on equipment finance: lower repayments, higher total cost, Equipment finance calculator, with insurance included, Chattel mortgage for equipment: how it works, and what your lender needs |
| business.gov.au: Leasing or buying vehicles and equipment | Leasing versus buying, balloon or residual payments, and the tax deductions for each | Chattel mortgage for equipment: how it works, and what your lender needs |
| Access Canberra: Non-standard vehicle registration | Conditional registration in the ACT: eligible machines, the evidence needed and the conditions that can apply | Conditional registration for machinery: the rules by state, and what it doesn’t cover |
| Australian Construction Industry Forum: May 2026 Forecasts released (3 June 2026) | The construction outlook: work done forecast to fall 0.8% in 2026 after 3.6% growth in 2025 | Construction equipment insurance |
| APRA: Quarterly general insurance performance statistics, September 2023 to June 2026 (published 27 August 2026) | Gross written premium by class of business, including commercial motor and commercial property (fire and ISR) | Why insurance premiums keep rising, and what a fixed premium changes |
| Moneysmart (ASIC): Excess, glossary definition | What an insurance excess is | Insurance excess on equipment insurance, explained, Equipment insurance glossary: plain-English terms |
| Moneysmart (ASIC): How to save money on car insurance (updated 10 August 2026) | That a higher excess reduces the premium, and that you need to be able to pay it if you claim | Insurance excess on equipment insurance, explained |
| Financial Rights Legal Centre: Paying insurance excess (updated November 2023) | When more than one excess applies, and when an insurer can refund the excess after recovering from the party at fault | Insurance excess on equipment insurance, explained |
| Safe Work Australia: Plant in agriculture | What counts as plant | Equipment insurance glossary: plain-English terms |
| business.gov.au: Types of business insurance | General context on business insurance, including what machinery breakdown insurance covers | Equipment insurance glossary: plain-English terms, Earthmoving equipment insurance, Construction equipment insurance, Mining and quarrying equipment insurance, Truck trailer and transport equipment insurance, Agricultural equipment and farm machinery insurance |
| Department of Agriculture, Fisheries and Forestry: Managing farm risk | Farm risk management context | Agricultural equipment and farm machinery insurance |
| Australian Bureau of Statistics: Recorded Crime, Victims, 2025 (released 3 September 2026) | Motor vehicle theft victims recorded nationally in 2025 | How to protect plant and machinery from theft |
| CARSAFE: Heavy vehicle and earthmoving equipment theft in Australia (consumer resource; older national figures) | Older national figures on plant and equipment theft: value, recovery and machine age. Undated, so used as background only | How to protect plant and machinery from theft |
| Safe Work Australia: Key Work Health and Safety Statistics Australia 2026 (12 October 2026) | Worker deaths in 2025, the share from vehicle incidents, and the fatality rate for machinery operators and drivers | Public liability vs plant insurance: what each one pays for |
| Reserve Bank of Australia: Cash rate target (rise to 4.60%, effective 30 September 2026) | The current cash rate, and that it rose after the August lending-rate figure | Equipment finance calculator, with insurance included, Machine hourly rate calculator: what to charge for an excavator, bobcat or dozer |
| Revenue NSW: Types of insurance, and Small business exemption | NSW insurance duty: 9% on general insurance (Type A), and the small business exemption classes | Stamp duty on insurance: the rate in every state and territory, Plant and equipment insurance in NSW |
| State Revenue Office Victoria: Insurance policies (current rates), and Abolition of duty on business insurance premiums | Victorian business insurance duty: 7% from 1 July 2026, falling 1% a year until abolished from 1 July 2033; 10% for non-business insurance | Stamp duty on insurance: the rate in every state and territory, Plant and equipment insurance in Victoria |
| Queensland Revenue Office: Insurance duty rates (updated 13 March 2025) | Queensland insurance duty: 9% of the premium including GST | Stamp duty on insurance: the rate in every state and territory, Plant and equipment insurance in Queensland |
| WA Department of Finance: Self-assess and pay insurance duty (updated 14 March 2026) | WA insurance duty: 10% of the total premium | Stamp duty on insurance: the rate in every state and territory, Plant and equipment insurance in WA |
| RevenueSA: Stamp duty on insurance, rates | SA duty on general insurance: 11% of the premium | Stamp duty on insurance: the rate in every state and territory, Plant and equipment insurance in South Australia |
| State Revenue Office of Tasmania: Rates of duty (published 5 August 2026) | Tasmanian duty on general insurance: 10% of the premium | Stamp duty on insurance: the rate in every state and territory |
| NT Government: Examples of duty and rates | NT duty on general insurance: 10% of the premium | Stamp duty on insurance: the rate in every state and territory |
| ACT Revenue Office: Business taxes and levies | That no general insurance duty is listed among ACT business taxes | Stamp duty on insurance: the rate in every state and territory |
| Australian Bureau of Statistics: Counts of Australian Businesses, June 2021 to June 2025, data cube 2: businesses by main state and industry class (released 16 December 2025) | Site preparation, heavy machinery hire and road freight businesses by state, operating at 30 June 2025 | Plant and equipment insurance in NSW, Plant and equipment insurance in Victoria, Plant and equipment insurance in Queensland, Plant and equipment insurance in WA, Plant and equipment insurance in South Australia |
