Updated 1 November 2026. Reviewed by James Rock (National Partnerships Director).
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Plant and equipment insurance for New South Wales businesses, from a mini excavator in Western Sydney to a tractor in the Riverina. The price for the whole term, up to five years, is set on day one, and you see your indication before we ask for a name, mobile or email.
Equipment businesses in NSW
| Businesses at 30 June 2025 | Number |
|---|---|
| Site preparation, including earthmoving | 7,349 |
| Heavy machinery and scaffolding hire | 3,064 |
| Road freight transport | 19,309 |
NSW has more site preparation businesses than any other state, according to the ABS.
What does stamp duty add in NSW?
Revenue NSW charges 9% on general insurance. Some classes, such as commercial vehicle cover, have a small business exemption for businesses with turnover under $2 million, so ask our partner whether it affects a registered machine. Your indication includes it, so the figure you see is already right for your state. Stamp duty on insurance in every state.
Machines on the road in NSW
Transport for NSW handles conditional and seasonal registration, and tractors have their own vehicle sheet. The form asks whether a machine is unregistered, conditionally registered or fully registered. How conditional registration works.
What’s covered, wherever you are
The cover is the same in every state: sudden and unforeseen damage, theft and total loss, for the equipment listed on your schedule. Machinery breakdown from a defect and private use aren’t covered. The price for the whole term, up to five years, is set on day one, and the insured value is 100% in years 1 and 2, then a 10% depreciation is applied each year from year 3. What the policy covers.
Can one policy cover machines in different states?
Yes. Items on a policy can be in different states and have different registration. If the machines are based in more than one state, tell our partner when they contact you.
See your indication
See your insurance indication for NSW in about 90 seconds, before we ask for a name, mobile or email. Or call James Rock on 0457 932 988.
- 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)
- Revenue NSW: Types of insurance, and Small business exemption
- NSW Government: Apply for conditional registration
- Policy wording from our specialist insurance partner: Multi-Year Plant & Equipment Insurance (6 October 2025)
