If it drives your business forward, it’s worth protecting. Whether you’re a solo tradie in a ute or managing a nationwide fleet, Commercial Vehicle Insurance is the safety net that keeps your operations running smoothly when the unexpected hits.
What is Commercial Vehicle Insurance?
Commercial Vehicle Insurance is designed to protect vehicles used for business purposes, from sedans to semi-trailers. Unlike personal car insurance, it covers the unique risks and responsibilities that come with operating vehicles for work.
What vehicles can be covered under Commercial Insurance?
Your business is unique, and so are the vehicles that power it. Here’s what can be insured:
- Sedans & Station Wagons: Ideal for sales reps, consultants, and client visits.
- Utes & Vans: Perfect for tradies, mobile services, and delivery drivers.
- Trucks & Prime Movers: From light rigid trucks to heavy haulage vehicles.
- Farm Vehicles: Including tractors, harvesters, and agricultural machinery.
- Plant & Equipment: Such as excavators, forklifts, bulldozers, and loaders.
- Fleet Vehicles: Multiple vehicles under one streamlined policy.
Types of Commercial Vehicle Insurance Cover
Choosing the right level of cover is critical. Here are two main options:
Comprehensive Cover
- Covers damage or loss to your business vehicle.
- Includes liability for damage to other vehicles or property (up to $30 million).
- Protection against theft, fire, flood, and storm.
- Repairs or pays out the market or agreed value, depending on your policy.
Third Party Property Cover
- Covers damage you cause to other people’s vehicles or property, even if you’re at fault.
- Up to $30 million in third-party property damage cover.
- If transporting dangerous goods, cover is capped at $5 million.
Why your business needs it
Accidents, theft, and natural disasters don’t wait for a convenient time. With the right insurance, you can:
- Minimise downtime and financial loss.
- Maintain customer trust and delivery timelines.
- Protect your assets and your team.
Whether you’re behind the wheel or managing a fleet, Commercial Motor Insurance ensures your business keeps moving forward, no matter what.
Protect your people. Protect your business.
Contact us today to find the right cover your business, so you can drive with confidence.
Call us at our office on 07 4783 1310 or email info@northerninsurance.com.au today.
Northern Insurance Solutions
Locals Covering Locals
General Advice Warning – The information provided in this publication is general advice only and is not tailored to your specific circumstances, financial situation, or needs. We recommend seeking personalised advice before making any decisions.
