Transport and logistics insurance
Whether you run a large national fleet or are an owner-driver, and whether you store goods or only move them, you need a range of covers to protect your commercial risks.
We arrange transport and logistics insurance for operators Australia-wide, comparing options across insurers.
The key risks in transport and logistics
Transport and logistics businesses face a broad range of risks depending on what they specialise in, but a shortage of skilled workers and work health and safety are long-standing risks for all operators.
Newer risks are emerging too, driven by new technology such as tracking, automation and autonomous vehicles. Population growth and rising demand, congestion and pressure on infrastructure, and environmental concerns linked to climate change are also shaping the risk landscape.
Covers to consider
Insurance in this sector protects your commercial and business risks. Covers include:
Commercial vehicle
Cars, trucks, buses, utes and other vehicles used in day-to-day operations.
Goods in transit
Financial loss if goods are lost, damaged or destroyed while off premises and in transit.
Property
Buildings, offices and premises such as vehicle yards, against fire, storm, explosion, falling trees or malicious damage.
Warehousing
Specialised cover for warehouse facilities, including cold storage, from property and stock damage to public liability.
Business interruption
The costs of running your business, like staff and bills, while you recover and rebuild.
Management liability
Protection for your management team if you need to defend, settle or pay a compensation claim.
Cyber
Expenses and legal costs if your website or other systems are hacked.
A real-world example
One accident can damage both your vehicle and the load you are carrying. Having both covers in place matters.
What usually is not covered? Exclusions, the excess you need to pay and limits of liability can vary greatly depending on your insurer and the requirements of your business. We take you through the ones that matter before you buy.
Simon, an owner-operator
Simon is an owner-operator truck driver with several delivery contracts, including one with a large Hunter Valley winery to deliver wine orders across New South Wales.
On a regular run carrying thousands of dollars of wine, he is involved in an accident that damages his truck and destroys the entire load.
Simon's commercial vehicle insurance covers the damage to his truck and gives him access to another vehicle while it is repaired, so he can keep operating. His goods in transit insurance covers the cost of the wine.
How we work with you
Independent broking, Australia-wide, with one point of contact.
- We learn how your business runs: what you do, turnover, staff, premises and contracts.
- We compare cover across a range of insurers and explain the key inclusions, exclusions and limits in plain English.
- We help with certificates of currency for landlords, leases and contracts.
- We support you at renewal, when your business changes, and through the claims process.
Frequently asked questions
Does my commercial vehicle policy cover the goods I carry?
Usually not. Damage to the load is generally covered under a separate goods in transit or carriers liability policy.
Can I insure a whole fleet under one policy?
Yes. Fleet policies can cover multiple vehicles, often with simpler administration and a single renewal date.
Is cold storage covered?
Warehousing policies can include cold storage, and spoilage after breakdown or power failure may be available as an extra.
What details do insurers need for a quote?
Typically your vehicles, drivers, the goods you carry, where you operate, storage arrangements and your claims history.
Talk to us about your cover
We will review your vehicles, loads and premises and talk through your options. Call us, email us or request a callback. We service businesses Australia-wide.
Get in touch
- Phone
- (03) 9078 6473
- info@mminsure.com.au
- Hours
- 9:00am to 5:30pm, Monday to Friday
Find out more
Every business is different - which means you need an insurance solution that is tailored for you. For more information, contact us today.
Contact us