Commercial Trailer Insurance for Transport Operators

Trailers can be insured on the same program as your prime movers, but they need to be a deliberate, separately valued line, not an afterthought. A loaded trailer often carries more value and exposure than the truck towing it, so it deserves its own declared values and the right liability cover.

Trailer-in-control cover protects you against liability for loss or damage to a non-owned trailer while it is coupled to your truck or otherwise in your possession and used for your work, even though it is not registered in your name. It is essential for operators who tow sub-hired or contracted trailers.

Yes. Non-owned and sub-hired trailers are exactly where operators get caught out. We structure cover so a trailer in your control is protected regardless of whose name is on the registration.

There is no flat rate. Semi-trailer premiums depend on the trailer values, the freight you carry, your claims history, load restraint and storage, and whether you run owned or non-owned units. We build the risk profile properly and put it to the market rather than quoting a number off a website, request a custom quote.

Yes. We place cover for reefer trailers and their refrigeration units, end and side tippers, bulk and grain trailers, flat tops, drop decks, curtainsiders, tankers, car carriers, livestock crates and dog trailers, each with its own risk profile.

Physical damage to the trailer and cover for the freight riding on it are two separate things. We place goods-in-transit and marine cargo cover for the load so a damaged consignment is not an uninsured loss to you and your customer.

A specialised trailer off the road means its freight task stops earning. Depending on the program, downtime, replacement or loss-of-use cover can help keep the work moving while the claim is managed.

Yes. Whether you run two trailers or two hundred, we bring them under one program with declared values that stay current as you add and retire units.

We place business with Australia's specialist heavy vehicle insurers, including NTI, Global Transport (Allianz), HMIA, Zurich, QBE and UAA, under a brokerage licence backed by Steadfast.

Underinsurance is the single biggest trap with trailers. We build an accurate asset register, make, model, year, trailer type and whether each unit is custom or off-the-shelf, and confirm current values, including ramps, reefer units and accessories, a few months before renewal. That way the declared value reflects what is really on the deck and you are paid properly at claim time.

Claims can affect your renewal, which is exactly why how a claim is handled matters. A specialist broker works the claim with the insurer, including the repair strategy and the right settlement approach, to keep the cost contained and protect your future premium rather than letting it blow out. That advocacy is the difference between a claim that is simply paid and one that hurts you at the next renewal.