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Yes, there are some types of insurance that you need to have. These include:
Here are the common types of insurance you should consider getting if you're a truck driver or run a business involving the use of trucks:
Public liability insurance is an important type of insurance that protects your business if it becomes legally liable for injury or damage to someone elses property.
It's a step above CTP, which is mandatory in Australia and only covers you for injuries to people if the driver of your truck was at fault in the accident. This is essential for independent drivers and truck business owners, as it covers third-party claims. For instance, if your truck damages a client’s equipment in an accident, public liability insurance can provide financial protection.
financially.
If you run a business that uses trucks, commercial vehicle insurance can cover you for loss or damage to your vehicle, third party property damage caused by your vehicle(s) and a number of other risks, including new vehicle replacement, uninsured motorists and hire car costs. It's a little like comprehensive car insurance but for business purposes and is helpful to have as a supplement to public liability insurance, which covers the business as a whole, not just the vehicles.
If you run a business and have employees, you need to have workers compensation. It's usually a mandatory requirement in all states of Australia.
This pays you a monthly income if you're unable to work due to serious injury. It's helpful if you're a self-employed truck driver or sole trader and don't have any employees as workers compensation usually won't cover you.
The cost of insurance can vary based on the provider and your occupation. This is simply because every job will carry a certain level of risk which insurers consider in calculating your premium. Additionally, each insurance provider will have its own unique criteria it uses to weigh your risk.
To give you a better idea of how much a public liability policy might cost you, we’ve taken a look at three popular Australian providers. We found that the cost of insuring your truck will set you back between $60 - $150 if you own your own truck. If you're using a truck hire service, it’s going to be between $50 - $90.
Keep in mind that the prices listed should only be used as a guide. Any quotes we found were based exclusively on the persona of an electrician with $250,000 in revenue per year.
Occupation | ![]() | ![]() | ![]() |
---|---|---|---|
Tradesmen who use a truck* | $61.85 | $70.60 | $142.75 |
Truck hire service | $52.78 | $89.04 | N/A |
$10,000,000 in liability cover | $10,000,000 in liability cover for | $10,000,000 in liability cover | |
*This quote is based on an electrician with $250,000 in revenue per year.
Since you probably want to consider whether you need public liability, commercial vehicle insurance or both, here's a breakdown of what they cover you for:
Public liability insurance will generally cover you for the following:
Some exclusions you may encounter include the following:
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