Transport Insurance Get a Quote Provide best advice and most comprehensive
and affordable truck insurance in Australia

Commercial Truck Insurance Australia

At Earnest Insurance Brokers we have the right connections to deliver a competitive deal for your transport business. We’re not tied to an individual insurer which means we can compare truck insurance quotes that suits your needs.

Our Mission is to provide the best advice and most comprehensive and affordable truck insurance in Australia.
Our Insurance Professionals will take the time to review your personal situation and provide expert guidance on the type, extent and value of insurance that you’ll need to really protect your assets.

Whether you’re already insured and reviewing your coverage, or just starting out in the transportation industry, get straight down to business with Australia’s truck insurance specialists.

The insurance premium and package depends on the type of vehicle you have, as well as the year, make and model.

What are the most significant risks in the transportation and logistics industry?

Trucking Industry face a number of risks however shortage of skilled staff workers and work health and safety concerns are among long-standing risks facing all industry operators. Newer risks are also emerging driven by operational changes such as the introductions of new technology in the form of tracking, automation and autonomous vehicles.

We provide insurance for a variety of truck types including:

  • Rigid Trucks
  • Prime Movers
  • Refrigerated Goods Carriers
  • Bulk Hazardous Goods Carriers
  • Tippers
  • Mobile Plants,including Mobile Cranes
  • Garbage Trucks
  • Cement or Concrete Trucks
  • Tanker Trucks
  • Tow Trucks

We can also provide the following coverage under our Transport Operator packages:

  • Trailer In Control Insurance
  • Marine Cargo Insurance
  • Public Liability Insurance
  • Owned Trailers

Did you know?


Freight logistics accounts for around 14.5% of Australian GDP.
(The Chartered Institute of Logistics and
Transport website, 2020)

4 Billion

Each year 4 billion tonnes of freight is transported across Australia.
(National Freight and Supply Chain Strategy, 2019)


A 35% increase in freight volumes is predicted across Australia between 2018 and 2040.
(National Freight and Supply Chain Strategy, 2019)

What insurance should you take out – and what can it cover?

In this sector, insurances fall into three broad categories – those that protect your commercial and business risks, your people and safety.

Type of cover

Commercial vehicle

Potential benefits

Protects cars, trucks, buses, utes and other vehicles that you use in the day-to-day operations of your business.


Protects your buildings, such as office facilities, and other premises, such as vehicle yards, from damage caused by events like fires, storms, explosions, falling trees or malicious damage.


Provides specialised coverage for businesses operating warehouse facilities (including cold storage), protecting against risks from property and stock damage to public liability.

Goods in transit

Protects your business against financial loss if goods are lost, damaged, or destroyed while off premises and in transit.

Management liability

Protects your management team if you’re a larger business in case you need to defend, settle or pay a compensation claim.


Safeguards you and your business against expenses and legal costs if your website or other systems are hacked.

Business interruption

Covers the costs of operating your business, like paying staff and covering bills while you recover and rebuild.

Workers’ compensation

Covers the cost of your employees’ wages, rehabilitation and medication if they become injured or sick through their work.

Case Study

Simon, an owner-operator truck driver, has several delivery contracts, including a contract with a large Hunter Valley winery to deliver wine orders to customers across New South Wales. On one of his regular delivery runs transporting thousands of dollars of wine, he’s involved in an accident which results in damage to his truck and a complete loss of the wine on board, with the bottles shattering upon the impact. Fortunately, Simon has commercial vehicle insurance which covers the damage to his truck and provides him with access to another vehicle while his truck is being repaired so that he can continue to operate his business. His goods in transit insurance also covers the cost of the wine.

Some of our Insurers