Insurables — Australian business risk, sourced and dated

Truck operators: insurance and scheme requirements

Heavy vehicle freight operation, as an owner-driver or a small fleet.

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Cover commonly held

Ordered by how central each cover is to this occupation. This is what businesses in the trade commonly hold and what contracts commonly ask for — it is not a statement that any of it is legally required, and it is not a recommendation.

  • Commercial motor insurance — Cover for vehicles used for business, including utilities, vans and trucks, and liability for damage they cause.
  • Public liability insurance — Cover for legal liability to third parties for personal injury or property damage arising from business activities.
  • Goods in transit insurance — Cover for goods while they are being carried, whether the carrier owns them or is moving them for a customer.
  • Workers compensation insurance — Statutory cover for injury to workers, arranged through each state or territory scheme rather than on the open market.
  • Motor fleet insurance — A single policy covering a group of business vehicles rather than rating each one separately.
  • Business pack insurance — A packaged policy combining property, liability and interruption sections for small business.
  • Personal accident and sickness insurance — Cover paying a benefit when an owner or contractor cannot work through injury or illness, where no workers compensation applies.
  • Marine cargo insurance — Cover for goods moving by sea, air or land across borders, including while in store between legs of a journey.

Statutory schemes that can apply

Checking what you hold

The document a principal, a landlord or a licensing team will ask for is a certificate of currency. The checker reads one and lists what it does and does not show.

Sources