Liability
- Cable and pipe damage including consequential loss claimed by utility companies
- WAM cover for backhoe loaders driving on the public road
- Working risk: damage caused by the bucket, the boom or a falling load
Insuring a Case
With a Case backhoe loader you dig in ground where other people's cables and pipes are buried, and with this equipment that produces the largest bills.
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In brief
Case Construction Equipment supplies backhoe loaders such as the 580 and 695, wheel loaders, mini excavators, crawler excavators and skid steer loaders, which are mainly used by contractors, agricultural contractors, landscapers and municipalities. The typical work is shallow groundwork: sewer connections, cable trenches, site preparation, foundations and loading soil and rubble. That is exactly the work in which your bucket ends up in a route where cables, gas and water pipes are buried.
A struck medium-voltage cable or gas pipe means repair costs for the utility company, but above all consequential loss: businesses without power, a street that has to be evacuated, a data cable that brings a business park to a standstill. That liability is the most important section of a construction plant insurance policy for Case machines, and insurers attach conditions to it: a KLIC notification for every excavation, trial trenches at marked pipes and hand digging within the zone around a cable.
Then there is the own-damage (casco) value. A new Case 580 backhoe loader costs well over € 100,000, and a mid-sized wheel loader or crawler excavator twice that. Theft from the site, fire caused by a hydraulic hose touching the exhaust and overturning on an embankment are the usual own-damage claims. We compare construction plant insurance for Case machines on these points.
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Case: what is covered?
For Case equipment, the choice of cover depends on the type of machine and its new value, the kind of excavation work, storage and whether the machine goes on the public road.
Own-damage cover
Covers damage to the Case machine itself: theft, fire, overturning, collision and vandalism, based on new value or current value.
- New-value settlement in the first years, current value thereafter
- Theft only with the security measures required by the insurer
- Inherent defects in the engine or hydraulics usually excluded
Downtime and transport
Covers the periods when the machine is idle or being transported: on the low loader, in the shed and during loading and unloading.
- Transport on your own or a hired low loader, including loading and unloading
- Idle time in the shed or on site outside working hours
- Replacement equipment or hire costs after covered damage
What is covered
| Situation | Covered |
|---|---|
| Theft from the building site | Sometimes |
| Fire and storm damage | Yes |
| Inherent defect in the hydraulics | Sometimes |
| Damage to cables and pipes | Sometimes |
| Normal wear and tracks | No |
| Damage due to deferred maintenance | No |
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
What does your premium depend on?
- Composition of the machinery fleet. Backhoe loader, wheeled loader or excavator, and how many appear on the schedule.
- Share of excavation work in cable routes. Work near underground infrastructure weighs more heavily than earthmoving at a depot.
- Sub-limit for damage to cables and pipes. How high this separate limit is and whether consequential loss is included.
- Working method around excavation notifications. Demonstrably requesting the position of services and having it available on site.
- Year of manufacture and operating hours. Older plant moves towards more limited forms of cover and higher excesses.
- Use of subcontractors. If you work with third parties you engage, that widens the circle of liability.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, your risk and your wishes.
- We compareseveral insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in cover.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
9.5New policy
9.8Claims handling
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Where things go wrong in practice
With Case equipment, the pitfalls lie in the excavation work, the security, the road and the combination of attachments.
KLIC notification and excavation damage
For every mechanical excavation, a KLIC notification to the Dutch Land Registry (Kadaster) is mandatory, providing the drawings of cables and pipes on the site. Insurers incorporate this obligation into the policy: without a notification, or without a trial trench at a marked pipe, the insurer may limit the payout for cable damage or apply a higher excess. Utility companies also take a hard line when a cable is struck and recover the full repair costs and consequential loss. Record the notification, the drawings and the trial trenches in the daily report for each job.
Backhoe loader on the public road
A Case 580 or 695 drives itself from job to job and goes on the public road in the process. The machine is then subject to compulsory motor insurance under the WAM, and the third-party liability (WA) cover on the policy must comply with it, including registration plates and the associated requirements. A construction plant policy with only working risk is then insufficient. Insurers ask about the number of kilometres on the road and whether the machine travels with attachments such as a bucket or pallet fork; damage from a protruding bucket to a parked car is a classic.
Theft and security
Case machines are easy to sell and are stolen from building sites and sheds, often using the owner's own low loader or a hired trailer. For own-damage cover, insurers require security that matches the value: an immobiliser or PIN code, a tracker with subscription for machines above a certain amount, and locked storage outside working hours. Case mini excavators and skid steer loaders are transported in trailers; a locked and secured trailer is then a requirement. Without the agreed security, theft cover lapses or a substantial excess applies.
Overturning and embankments
A crawler excavator or wheel loader working on an embankment, a ditch bank or soft ground can overturn. Damage to the machine, the boom and the cab is covered under own-damage cover, but insurers look at the circumstances: was the machine used within the manufacturer's specifications, were the outriggers or stabilisers extended, was the load within the lifting chart. Case publishes the lifting capacity and maximum gradient for each model; exceeding these can be regarded as reckless when you claim.
Attachments and hydraulics
Buckets, pallet forks, breakers, plate compactors and quick couplers make a Case machine versatile, but together they quickly represent tens of thousands of euros. They are not automatically on the policy. Declare attachments separately with their value, and check whether they are also covered when lying loose on site. Damage from a burst hydraulic hose, such as oil over newly laid paving or into a ditch, is a liability matter and sometimes environmental damage; check whether the policy covers clean-up costs after an oil leak.
Hiring out and use by third parties
Many owners occasionally hire out their Case machine, with or without an operator, to another company, or deploy it through an agricultural contractor. A construction plant policy assumes your own use; hire without an operator is often excluded or requires a separate clause. With hire including an operator, you remain responsible for the work and the damage. Agree who bears the excess, whether the hirer makes the KLIC notification and who pays for damage to the machine. Without those agreements, the insurer regards the deployment as an increase in risk.
Frequently asked questions
Questions owners of Case equipment ask us about their construction plant insurance.
Is cable damage with my Case backhoe loader covered?
Damage to third-party cables and pipes falls under the liability section of the construction plant policy, including consequential loss recovered by utility companies. The condition is that you made a KLIC notification and dug trial trenches at marked pipes. Without a notification, the insurer may limit the payout or apply a higher excess. Keep the notification and drawings for each job as evidence in the event of a claim.
Does my Case need registration plates and third-party liability insurance?
If the machine drives on the public road, like a backhoe loader travelling from job to job under its own power, the registration requirement for agricultural and works vehicles applies, as does compulsory insurance under the WAM. The third-party liability (WA) cover on the construction plant policy must comply with this. A machine that works exclusively on the site or building plot and is transported by low loader only needs working-risk cover. State when taking out the policy whether the machine goes on the road.
What security does the insurer require for a Case machine?
That depends on the value. For mini excavators and skid steer loaders, an immobiliser or PIN code and locked storage or a locked trailer are often sufficient. Above a certain amount, often around € 50,000 to € 75,000, insurers require a tracker with an active subscription. The requirement is a clause on the policy; if the security is not present or not active at the time of a theft, the cover lapses or a high excess applies.
What does construction plant insurance for a Case cost?
The premium depends on the type of machine, the new value, the cover, the security and the type of work. As an indication: third-party liability and working risk only for a mini excavator from a few hundred euros a year, and full own-damage cover for a backhoe loader or wheel loader worth over € 100,000 often between one and three per cent of the new value per year. Groundwork near cables and pipes weighs more heavily than landscaping or site work.
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Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
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This page was compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.