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Key risks
Understanding the risks in your industry and how our comprehensive coverage responds to protect your business.
A load shifts after evasive braking on a regional highway, and the driver must arrange resecuring of the insured cargo before moving for transit.
Marine Cargo Insurance may respond to reasonable costs to re-secure insured cargo that has shifted during transit following an incident outside your control.
A driver uses a trolley inside a customer's warehouse, clips racking and the customer asks the haulage business to pay repairs during depot work.
Public Liability Insurance may respond to third party injury and property damage claims arising from your business activities.
Palletised freight is damaged when the trailer jack-knifes during an insured inland haulage transit on a wet highway during peak hour.
Marine Cargo Insurance may respond to physical loss or damage to insured goods arising from an accident during an inland transit.
A heavy vehicle is involved in a collision on a wet regional highway, cannot be driven and needs towing to a heavy vehicle repairer.
Commercial Motor Vehicle Insurance may respond to third party property damage claims arising from the operation of your insured vehicle where you are legally liable for the loss.
An insured prime mover turns into a regional depot and the trailer swings wide, damaging a fence and letterbox beside the driveway near entrance.
Commercial Motor Vehicle Insurance may respond to third party property damage claims arising from the operation of your insured vehicle where you are legally liable for the loss.
A load shifts after evasive braking on a regional highway, and the driver must arrange resecuring of the insured cargo before moving for transit.
Marine Cargo Insurance may respond to reasonable costs to re-secure insured cargo that has shifted during transit following an incident outside your control.
A driver uses a trolley inside a customer's warehouse, clips racking and the customer asks the haulage business to pay repairs during depot work.
Public Liability Insurance may respond to third party injury and property damage claims arising from your business activities.
Palletised freight is damaged when the trailer jack-knifes during an insured inland haulage transit on a wet highway during peak hour.
Marine Cargo Insurance may respond to physical loss or damage to insured goods arising from an accident during an inland transit.
A heavy vehicle is involved in a collision on a wet regional highway, cannot be driven and needs towing to a heavy vehicle repairer.
Commercial Motor Vehicle Insurance may respond to third party property damage claims arising from the operation of your insured vehicle where you are legally liable for the loss.
An insured prime mover turns into a regional depot and the trailer swings wide, damaging a fence and letterbox beside the driveway near entrance.
Commercial Motor Vehicle Insurance may respond to third party property damage claims arising from the operation of your insured vehicle where you are legally liable for the loss.
Important: Scenarios are examples only. Coverage is subject to policy terms, conditions and exclusions. Limits and sub-limits might apply. Policy wordings vary between insurers. Refer to the PDS or Policy Wording for details.
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Claim examples
Simple, real-world examples to help you understand what claims may involve.
At a customer’s warehouse, your driver manually moves freight using a trolley. The trolley clips and damages the customer’s roller rack, and the customer asks your business to pay for repairs.
Public Liability insurance may respond to third party property damage claims arising from your business activities.
A haulage operator is transporting pallets of food products from a supplier to a supermarket distribution centre. On a wet stretch of highway, the trailer is involved in an accident and the load shifts, damaging part of the cargo.
Marine Cargo Insurance is designed to cover physical loss, destruction or damage to insured goods caused by an accident while the goods are being transported during an insured transit.
Your heavy vehicle driver is transporting freight on a regional highway when the insured truck is involved in a collision with another vehicle. Due to the damage, the truck needs to be towed from the roadside to a heavy vehicle repairer.
Commercial Motor Vehicle insurance may respond to towing costs for your insured vehicle following an accident.
Your heavy vehicle driver is making a delivery in a regional area. While turning into a tight driveway, the trailer swings wide and knocks down a timber fence and roadside letterbox belonging to a neighbouring property. The property owner claims the repair costs from your business.
Commercial Motor Vehicle insurance may respond to third party property damage claims arising from the operation of your insured vehicle.
A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.
Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.
A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.
Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.
A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.
Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.
Important: Scenarios are examples only. Coverage is subject to policy terms, conditions and exclusions. Limits and sub-limits might apply. Policy wordings vary between insurers. Refer to the PDS or Policy Wording for details.
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