Heavy Haulage Insurance
Heavy haulage operators move the loads no one else will touch: oversized machinery, over-mass freight and high-value plant on floats and low loaders.
The exposures are bigger too, on the vehicle, on the load and on every road and bridge the combination crosses.
We arrange cover built for that scale of risk, with a broker who understands permits, pilots and what is actually on the trailer.
Cover That Matches the Size of the Load
Heavy haulage is not standard transport. The vehicles cost more, the loads are worth more, and a single incident can involve a damaged float, a written-off machine and a closed road.
Standard truck policies often cap out well below the value of a heavy combination or the plant it carries, leaving the operator dangerously exposed.
We build cover around the real value of the rig and the loads it moves, then keep it current as the work and the equipment change.
Insurance Types for Heavy Haulage
Moving heavy and oversized loads usually means layering several covers. These are the ones that most often apply.
Cover is subject to the terms, conditions and exclusions of each policy. We help you understand what applies to your operation.
Heavy Haulage Vehicles & Equipment
From the prime movers to the floats and the machines they carry, we arrange cover across the whole combination.
Heavy Prime Movers
High-horsepower prime movers and multi-combination units built for heavy pulling.
Floats & Low Loaders
Multi-axle floats, low loaders and drop-decks carrying oversized and over-mass loads.
Crane & Lifting Trucks
Truck-mounted cranes and lifting vehicles handling plant, freight and site work.
Excavators in Transit
Excavators and diggers moved between sites on floats and low loaders.
Dozers & Graders
Bulldozers, graders and tracked machines hauled to and from project sites.
Wheel Loaders
Front-end and wheel loaders transported as oversized freight.
The Risks in Heavy Haulage
Oversized work concentrates risk. These are the exposures that most often turn into serious claims.
High-Value Loads
A single machine on the trailer can be worth more than the truck pulling it. Underinsuring the load is the most common and most expensive mistake.
Loading & Unloading
Some of the worst heavy-haulage incidents happen on the ramp, not the road, where a load shifts or rolls during loading.
Road & Bridge Damage
Over-mass combinations can damage infrastructure, and the liability for that damage can be substantial.
Permits & Conditions
Oversize movements run under strict permit conditions. Breaching them can affect both safety and how a claim is treated.
Rollovers & Recovery
A loaded float rollover is complex and costly to recover, often involving cranes, road closures and specialist gear.
Major Downtime
Heavy units are expensive to replace and slow to repair. Time off the road hits hard when the rig is the business.
Moving Oversized Loads? Get Cover That Matches the Risk.
Talk to a specialist heavy haulage insurance broker who understands the work.
Call 1300 78 78 25Why Heavy Haulage Operators Use a Specialist Broker
Heavy haulage sits well outside standard motor insurance. The values, the permits and the recovery exposure all need a broker who knows the work.
- We insure the load to its real value, not a default cap
- We understand floats, low loaders and over-mass combinations
- We factor in permit conditions, pilots and route risk
- We arrange cover for owned plant as well as the rig
- We coordinate complex recovery and machinery claims
- One broker who knows what is actually on your trailer
How We Arrange Your Cover
A clear process built for heavy and oversized operators.
Tell Us About the Rig
Prime movers, floats, the loads you carry and their values, plus the routes and permits you run under.
We Match the Cover
We work with insurers who write heavy haulage to arrange motor, float, cargo, plant and liability cover that fits.
Review as the Work Changes
New machines, bigger loads, new contracts. We keep the cover and the load values current.
We Back You at Claim Time
When a load shifts or a rig goes down, we coordinate the claim and the recovery so you get back to work.
Related Cover
Transport operators rarely need just one policy. These are the covers most often arranged alongside it.
Let's Get Your Heavy Haulage Operation Covered
Tell us about the rig and the loads you move, and we will arrange cover that matches the risk.
Speak with a broker who knows heavy haulage and will be there when it counts.
Heavy Haulage Insurance FAQs
It is usually a combination rather than a single policy. Most heavy haulage operators carry motor cover on the prime mover, cover on the floats and low loaders, cargo or goods-in-transit cover for the load, and public and carriers liability. Plant and equipment cover is common where the operator owns machinery as well.
Generally no. Truck insurance responds to the vehicle, while the machinery you are carrying is covered under cargo or goods-in-transit cover. Because heavy haulage loads are often extremely valuable, getting the transit cover and its limits right is critical.
They can. Oversize and over-mass movements run under permit conditions, and operating outside them can affect both safety and how a claim is assessed. We take your permit and route conditions into account when arranging cover.
Yes. Trailers, floats and low loaders can be covered in their own right, including trailer-in-control exposure when units are towed by or attached to other operators' vehicles.
Recovering a loaded heavy combination can be a major exercise involving cranes, road closures and specialist equipment. The right policy structure helps respond to those recovery costs, which is something we work through when arranging your cover.
Compliance Disclaimer: This information is general in nature and does not take into account your objectives, financial situation or needs. Please consider the relevant Product Disclosure Statement (PDS) before making any decision.