Refrigerated Truck Insurance: Fridge Breakdown and Spoilage
When a fridge unit fails, the truck is fine and the load is ruined. How the truck, the refrigeration unit and the goods are each insured, and where…
Insurance Insights
Insurance Insights
Plain-English writing on truck, plant and business insurance — what cover actually responds to, what trips operators up, and what changes at renewal.
Business Interruption Indemnity Period: How Long Is Enough
The indemnity period is the number on a business interruption policy that decides when the payments stop. How to choose it from your own recovery timeline.
Dozer Insurance: Rollover, Fire, Floats and Downtime
Dozers and graders are expensive, work where recovery is hard, and can sit idle for weeks waiting on parts. How to set up cover around those three facts.
Strata Insurance Valuation: Why and How Often to Revalue
The building sum insured is a committee decision with consequences for every owner. What a valuation should include, and why the figure drifts between valuations.
Lifting With a Hiab or Crane Truck: Where the Motor Policy Stops
A hiab truck is a vehicle on the road and a crane on site. Motor and liability policies can each assume the other one handles the lift. Here…
Builders Insurance: What Builders Typically Carry
A building business carries several policies that each answer a different question. How they fit together, and where the gaps usually sit.
Tilt Tray Loads, Winching and Tie-Downs: Who Pays for Damage
The tilt tray is only half the risk. The other half is the car, machine or container on the deck, and whose policy pays when it is damaged.
Mini Digger Hire Insurance: What the Hire Agreement Puts on You
Hire a mini digger for a week and the hire agreement usually makes it your machine to lose. What a damage waiver does, what it does not, and…
Products Liability Insurance Explained: Who Needs It and Why
If you sell, make, import or install anything, your liability follows the product out the door. How products liability works and where it stops.
Strata Water Damage: Who Pays for Leaks and Burst Pipes
Water does not respect lot boundaries. Who pays for a leak depends on where it started, what failed, and whether it happened suddenly or over months.