Understands Your Operation
We start with how your trucks are used: what you cart, for whom, how far, who drives and where vehicles are kept. That information shapes which insurers and policies are a good fit.
Transport & Logistics
Transport Insurance Broker
Insuregroup is an insurance broker for transport and logistics businesses across Australia. We arrange truck, fleet, transit and liability cover as one program, explain the options, and help when you need to claim.
- Licensed & Regulated Broker
- Steadfast Group Member
- 100+ insurance markets
- 2014
- Broking Since
- 5,000+
- Policies Arranged
- 100+
- Insurance Markets
- 5.0
- Google Rating (102)
- Home
- Transport Insurance Broker
A Specialist Broker for Transport Businesses
Insuregroup is an insurance broker that works with transport and logistics businesses across Australia, from owner-drivers with one truck to fleets running metro, regional and interstate work. We arrange the vehicle cover and the business covers that sit around it, and we stay involved at renewal and when you need to claim.
A transport business rarely needs just one policy. The trucks, the freight, the trailers, the yard and the people all carry different risks, and contracts often set out exactly what cover you must hold. Our job is to understand how your business works, approach insurers that suit it, and explain the options so you can decide.
What a Transport Insurance Broker Does
Compares Options
We approach insurers from our network that write transport risks and compare cover, limits, excesses and conditions, not just premium.
Explains the Differences
Two quotes can look similar and respond very differently to the same claim. We point out the gaps, sub-limits and exclusions that matter for your work.
Checks Contract Requirements
Head contractors and freight customers often ask for particular covers, limits or wording. We check what your contracts ask for against your policies and arrange certificates of currency.
Supports Claims
When something goes wrong, we help you lodge the claim, gather what the insurer needs and follow it through. See how a broker can support you through a claim.
Reviews at Renewal
Businesses change. We review your program each year so new trucks, new contracts and new routes are reflected before they cause a problem.
What to expect
Going Direct or Using a Broker
Some operators buy direct from an insurer, and for a simple risk that can work. The differences are worth understanding before you decide.
- Choice. Going direct gives you one insurer’s products. A broker can approach several insurers that write transport business.
- Who does the legwork. Direct, you gather and compare quotes yourself. With a broker, we present your risk and lay the options side by side.
- Wording. Direct, you read the policy terms yourself. A broker explains what each wording covers and leaves out for your type of work.
- Claims. Direct, you deal with the insurer on your own. A broker helps you prepare and follow up the claim.
- Several policies. Direct, you may hold policies with different insurers on different dates. A broker can help you coordinate them, and in some cases consolidate them.
- Cost. Brokers are paid by commission from insurers, by a fee, or both. These are disclosed to you in our Financial Services Guide and on your documents, so you can see what you pay.
Our article 5 reasons to use an insurance broker covers this in more detail.
What to expect
Covers in a Typical Transport Package
Every business is different, but most transport programs draw on the same group of covers:
- Truck insurance for each vehicle, or fleet insurance once you run several
- Transit insurance or carrier’s liability for the goods you move
- Trailer-in-control cover for trailers you tow but do not own
- Public and products liability for injury or property damage caused by your business
- Business interruption or downtime cover for lost income after an insured event
- Business insurance for your depot, workshop, office and contents
- Management liability for the directors and the business
- Personal accident and illness cover for owner-drivers who cannot work after an injury
Workers compensation is compulsory for employers and is handled differently in each state and territory, so check the rules where your drivers are employed. Our guide to the complete insurance package for transport and logistics businesses looks at each cover in turn.
What to expect
Transport Businesses We Work With
- Owner-drivers and subcontractors working for a single head contractor or several customers
- General freight, linehaul and interstate operators. See how linehaul and metro risks differ
- Metro delivery, couriers and last-mile fleets. See courier insurance
- Refrigerated and food transport. See refrigerated truck insurance
- Tipper, quarry and civil haulage. See tipper insurance
- Waste, recycling and skip bin operators. See waste and skip bin truck insurance
- Towing, tilt tray and car carrying. See tow truck insurance
- Growing fleets moving from one or two trucks to a full program
What to expect
What We Look at When Building Your Program
- Declared use. Hire and reward, own goods or private use. Getting this wrong can affect a claim. See why declared use matters.
- Radius and states. Where the trucks actually go, not just where they are based.
- Drivers. Ages, licence classes, experience and how drivers are inducted and checked.
- Goods carried. Value per load, high-theft or dangerous goods, and refrigeration.
- Compliance. Maintenance, fatigue and load restraint records. Our guide on the HVNL and truck insurance explains why they matter.
- Contracts. The limits, interested parties and certificates your customers require.
- Claims history. What happened, and what you changed afterwards.
Starting or Growing a Transport Business
New operators often need cover in place before a contract starts, and the questions are different when you are buying your first truck. Our guide on what insurance you need to start a trucking business is a good first read.
As a business adds trucks and drivers, the right structure changes. Moving to a fleet policy, adding transit cover or reviewing liability limits are common steps. See when growing transport businesses should review their insurance.
If you already hold policies with another broker and want a second look, our guide on switching insurance brokers explains what happens to your existing cover.
Licensing and Memberships
Insure Group Pty Ltd is a Corporate Authorised Representative of Metrix Connect Pty Ltd (AFSL No. 525491) and a member of the Steadfast Group. Read our Financial Services Guide for how we are paid and how we handle complaints.
Request a quote
Get a Transport Insurance Quote
Tell us about your trucks, the work you do and the covers you hold now. A broker will review your program, compare options across our network of insurers and explain the differences so you can decide. For the vehicles, our truck insurance quote form is the quickest place to start.
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Your Broker
Stirling Sanderson, Principal Broker
Stirling set up Insuregroup in 2014 after many years as an insurance underwriter and broker. He oversees the day-to-day broking, negotiates with insurers for clients and helps with claims, for everyone from single-truck owner-drivers to large fleets of trucks and heavy plant.
- Qualifications
- Bachelor of Business, majoring in Insurance; Diploma of Financial Services (Australian Institute of Insurance and Finance)
- Experience
- Licensed authorised broker for over 10 years
- Authorised Representative No.
- 453069
Insuregroup have been very professional and prompt in dealing with the management of our insurances for the last 3 years.
Questions We Get Asked
Frequently Asked Questions
What does a transport insurance broker do?
A transport insurance broker looks at how your business operates, approaches insurers that write transport risks, compares the cover and terms they offer, and explains the differences. Brokers also help with renewals, certificates of currency and claims.
Is it better to use a broker or go direct to an insurer?
It depends on your business. Going direct gives you one insurer's products. A broker can approach several insurers and help coordinate multiple policies, which is often useful for transport businesses with several trucks and covers.
How is a broker paid?
Brokers are usually paid a commission by the insurer, a fee from the client, or both. These amounts are disclosed in the broker's Financial Services Guide and on your policy documents.
What insurance does a transport business need?
Most transport businesses need cover for their vehicles, the goods they carry and their public liability. Many also need trailer-in-control cover, business interruption, business property cover and management liability. Contracts often specify minimum covers and limits.
Can you check whether my insurance meets my contract requirements?
Yes. Send us the insurance clause from your contract and we will compare it with your current policies and explain any gaps.
Do you work with owner-drivers as well as fleets?
Yes. We work with owner-drivers and subcontractors with one truck, through to fleets running metro, regional and interstate work.
Can I move my policies to Insuregroup mid-term?
Usually yes. You can appoint a new broker at any time, and your existing policies continue until they renew or are replaced. We can explain the steps before you decide.