Liability
- Cables and pipes during excavation
- Boom or load strikes a building
- Injury to bystanders and third parties' staff
Insuring a Liebherr
Liebherr equipment, from crawler excavators to mobile cranes, often represents a high value per machine; lifting work, transport and downtime determine how the policy should be set up.
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Work out for yourself what it would cost.
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- We compare the offerings of several insurers
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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
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Personal quote request. A no-obligation request: nothing is taken out automatically. After sending you receive a reference number and a confirmation by e-mail.
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In brief
Liebherr supplies a broad range for construction and civil engineering: crawler excavators and wheeled excavators, wheel loaders, dozers, telescopic handlers, material handlers for recycling and ports, as well as mobile cranes, crawler cranes and tower cranes. That very breadth makes a standard policy difficult. A wheeled excavator that drives to the site on public roads every day calls for a different view of the risk than a material handler on a fixed scrapyard or a tower crane that stands on one building site for months.
For cranes and lifting equipment there is also the lifting risk. If a load falls or the boom hits a building, this involves damage to other people's property and often to the works themselves. For lifting work, insurers ask about inspections, the operator's training and whether you lift for third parties. Damage to the lifted load itself is usually not covered by the ordinary liability cover and requires a separate arrangement.
For each Liebherr machine we list the value, the use and the attachments, and compare equipment policies from several insurers, including transport and downtime.
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Liebherr: what is covered?
Cover for Liebherr equipment depends on the machine type, the replacement value, the work you do with it and whether the machine itself drives on public roads.
Own-damage cover
Damage to and theft of the machine itself, including declared attachments and machine control.
- Tipping over and sinking
- Fire in the engine bay or hydraulics
- Theft of GPS equipment and attachments
Downtime and transport
What happens if the machine breaks down or is moved on a low-loader between projects.
- Hire of replacement equipment
- Loading, unloading and transport
- Hired equipment alongside your own machines
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?
- Type of crane and lifting data. Tower crane, crawler crane or excavator, with radius, lifting height and load moment.
- Duration of the set-up. A crane standing on a building site for months runs different risks from plant that travels with the job.
- Cover during erection. Whether erection and dismantling are included and which party carries out that work.
- Wind instructions and weather protocol. Recorded arrangements on stopping work and freeing the slew when wind is forecast.
- Operation and form of hire. Your own operator, an agency worker or provision with an operator.
- Working environment. Open site, inner-city location or working above existing buildings.
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
Six situations that lead to claims when Liebherr equipment is in use.
Lifting with an excavator or crane
Many Liebherr excavators are also used to lift sewer pipes, sheet piles or concrete elements. If this is done with a machine not equipped for it, or without the required inspection and hose-burst protection, the insurer can rely on the policy conditions in the event of a claim. With cranes there is also the question of whether damage to the lifted load is covered: it usually falls outside liability cover, because the load is in your care. In the application we record whether and what you lift, so that the policy matches.
Cable and pipe damage during excavation
With one wrong move, a crawler excavator with a heavy bucket can rip out a fibre-optic cable, gas pipe or high-voltage cable. The repair costs and the consequential loss for grid operators and businesses left without power or internet quickly add up. Insurers usually cover this under liability, but set requirements: a KLIC notification in advance, hand digging or trial trenches near utilities, and careful working in line with the applicable guidelines. If you cannot demonstrate those steps, the insurer may limit or recover the payout.
Wheeled excavator on public roads
A Liebherr wheeled excavator often drives to the site under its own power. On public roads, compulsory motor third-party liability (WA) applies, and self-propelled equipment that goes on the road generally also needs a registration number. If motor vehicle cover is missing because the machine is only insured as equipment, you are uninsured in a collision. Also watch the attachments: a bucket or sorting grab that sticks out while driving increases the risk of damage to other road users. We check both sides of the cover.
Fire in hydraulics and engine bay
Material handlers in recycling and scrap work in an environment with dust, paper and metal residues that build up around the engine and exhaust. A burst hydraulic hose spraying oil onto a hot component can set a machine weighing several tonnes on fire within minutes. For this use, insurers often ask about an automatic fire suppression system and daily cleaning of the engine bay. If a high-value machine is used without a suppression system where one is required, the fire damage may be excluded.
Theft of machine and machine control
Mid-sized excavators and telehandlers are stolen for export, often at the weekend from an unguarded building site. Loose GPS receivers, displays and quick couplers are also in demand. For higher values, insurers require a track-and-trace system, an immobiliser or storage on a locked site. Liebherr supplies factory-fitted telematics, but that does not always count as an approved tracking system for the insurer. Ask which security is accepted and declare separate machine control equipment individually with make and value.
Downtime on a running project
If a Liebherr crane or large excavator is out of action due to damage, often a whole project comes to a halt and the client's penalty clauses kick in. Own-damage cover pays for the repair, not for hiring a replacement machine or your loss of turnover. That requires separate cover for hire costs or business interruption, usually with a waiting period and a maximum per day. With specialist equipment and long lead times for parts, downtime can last weeks. We work out with you which indemnity period is realistic.
Frequently asked questions
Questions owners of Liebherr equipment ask us about their insurance.
Does my Liebherr tower crane fall under the same policy as my excavators?
It can, but not every equipment insurer accepts cranes without further ado. Tower cranes and mobile cranes often come with separate acceptance questions about inspections, erection and dismantling, lifting for third parties and value. Erection and dismantling are also moments of increased risk. We declare the crane equipment separately, so that it is clear which cover and which conditions apply to the crane.
Is damage to the load I lift insured?
Usually not under ordinary liability cover. During lifting the load is in your care, and damage to property in your care is excluded or limited in many policies. If you regularly lift for third parties, you need additional cover for the lifted load or a care, custody and control clause. State in the application what you lift and its average value.
Do I need to insure 3D machine control separately?
Factory-fitted control systems are generally included in the machine value, provided that value has been declared including the system. Loose receivers, antennas and displays that you have fitted later usually need to be listed separately with make, type and value. Insurers sometimes require loose components to be removed from the machine or kept under lock and key outside working hours.
Is transport of my machine on a low-loader covered?
Many equipment policies include transport within the Netherlands, including loading and unloading. Do note the conditions: the machine must be secured according to the rules, and damage to the low-loader itself falls under the carrier's insurance. If a haulage company moves the machine for you, check how their liability is arranged. Transport abroad often requires an extension.
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About our service
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.