Drilling is not one uniform trade. Geotechnical investigation, water bores, horizontal directional drilling, rock drilling and drilling on mine sites have different depths, ground conditions, utilities and contractual obligations. We start by separating the methods and environments before discussing cover.
We consider the specific methods, sites and contractual requirements of this occupation before approaching available markets.
What changes the insurance assessment
Identify drilling method, depth and diameter, site plans and utility location procedures, proximity to structures, ground movement, spoil and fluid management, work on live facilities, subcontractors and any design or interpretation of data. A strike on a buried service may involve property damage, interruption and several parties; policy treatment of utility damage and consequential loss requires close review.
Covers to discuss
Public and products liability first; plant, contract works, professional indemnity where advice/design is provided, and pollution liability where fluid release or contamination is material. Ask specifically about vibration/removal of support and underground services wording.
Drilling details that affect the submission
A horizontal directional bore beneath a live road is a different exposure from geotechnical sampling on an open site. State whether work is directional, rotary, percussion or auger based; the expected depth, bore diameter and ground conditions; and whether your team selects the route or works to another party’s design. Explain how services are located and verified, who signs off the bore path, and the process when the actual ground differs from plans.
Where fluid is used, identify the material, containment and disposal procedures. Ask the insurer to address underground services, vibration or removal of support, pollution and any professional advice separately. An agreed limit alone does not settle these wording questions.
Information to prepare
Provide a clear description and turnover split of your activities, locations, project values, required liability limits, licences, subcontractor arrangements, current policy and claims history. Include relevant contracts and methods for the higher-risk work. We will identify any further information underwriters need.
Questions contractors ask
“Does liability cover an accidental utility strike?” It may depend on the policy terms, precautions, location and type of loss. “Is geotechnical advice included?” Professional advice needs a separate PI assessment.
Public and products liability guide · Contract works · D&C PI
Talk through your work and contract
Call 1300 310 467 or send an enquiry. Cover and availability depend on insurer terms and the full risk details.