Fleet, cargo, and transport liability, placed with specialist underwriters who understand Australian transport operations, not generalists fitting your risk into a standard commercial template.
Transport businesses operate across multiple risk classes simultaneously. The vehicle, the cargo, the driver, the client's freight contract, and the business itself all carry exposure. Getting this right requires an adviser who understands the full picture, not just the fleet.
A specialist transport underwriter writes policy terms that reflect how the industry actually operates: sub-contracting, interstate routes, driver conditions, dangerous goods classifications.
A generalist insurer often applies standard commercial terms to transport risk. At claims time, those terms are interpreted against you. A specialist's aren't.
Owner-drivers classified as employees for liability purposes. Not on the fleet schedule. A serious incident occurs and the policy responds poorly.
Certain goods excluded from the cargo policy. Client accepts freight that falls in the exclusion category. Claim denied.
Freight contracts specify $20M. Policy provides $10M. Client in breach and materially underinsured for a serious liability event.
Same insurer for four years. Market has changed. A specialist transport underwriter with better terms and pricing exists, but nobody went looking.
We'll review your fleet, cargo, and liability structure and go to specialist transport underwriters for a full comparison. No obligation, at no charge.