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As a transport business owner, you understand the critical role your truck plays in ensuring a    smooth operation. Truck insurance not only offers financial protection but also brings peace of mind, knowing you’re covered in case of accidents, theft, damage, or other unexpected events. Whether you’re hauling goods across town or long distances, the right truck insurance policy can mitigate the financial impact of an unforeseen situation and help you get back on the road faster.

Truck insurance is specifically designed to meet the needs of business owners who operate large commercial vehicles, including semi-trucks, semi-trailers, and rigid trucks. Unlike personal vehicle insurance, it provides coverage that addresses the unique risks associated with transporting goods, long-distance travel, and operating heavy-duty vehicles. This insurance covers various man-made and natural events, from vehicle damage to liability for accidents, cargo protection, medical expenses, theft, vandalism and natural disasters. Some comprehensive truck insurance policies offer uninsured motorist coverage and personal injury protection for drivers and passengers.

Types of Coverage for Heavy vehicle Insurance

There are two types of commercial vehicle insurance options available and the type of coverage you need will depend on your specific needs and circumstances of your business.

  1. Full Comprehensive Insurance

Full Comprehensive Insurance covers damage to your Trucks and Trailers (including attachments & accessories) from events such as accidents, theft, fire, and natural disasters.

Without it, the costs associated with repairs or replacement in the event of an accident, theft, or other unforeseen incidents can be overwhelming. This type of insurance not only protects your investment but also provides peace of mind, knowing that you are covered in case of unforeseen events.

  1. Third Party Liability Insurance

Third Party Liability Insurance covers damage to other people’s property or injuries caused by your truck in the event of an accident. This coverage helps protect you from the financial responsibility of legal fees, medical bills, and compensation claims made by others involved in the incident, ensuring that you can meet your legal obligations without incurring significant out-of-pocket expenses.

Preferred Occupations but not limited to:
Dangerous goods carriers – all classes
Logging carriers
Construction and Trades
Excavation and earth-moving
Vehicle and machinery carriers
​Refrigerated carriers
Livestock carriers
​Waste removal services
Furniture removalists
Car carriers
​​General freight carriers
Agricultural businesses & carriers
​Importers and wholesalers
​Manufacturers
Towing companies