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Commercial truck insurance solutions

Tailored truck insurance solutions designed to keep your business rolling.

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Do I really need insurance for my truck or heavy vehicle?

Truck and heavy vehicles are exposed to unique risks. Being on the road, the specialist nature of the goods you transport, and the high value of your trucks themselves means that commercial vehicle insurance may not be enough to cover your truck or your fleet.

Say your concrete agitator truck breaks down on your way to a construction site, and the concrete solidifies. The agitator bowl will have to be discarded and a new one installed. The load of concrete that can no longer be used creates additional costs.

Or, your powder truck delivers a mix of ingredients to the wrong silo. The silo must be drained and ingredients replaced.

Or one of your load restraints breaks, and your load spills onto the road. The road will have to be closed and cleared, with associated clean-up and traffic management costs.

Our truck insurance solutions can help cover the costs of clean-up, repairs and replacement. Motor vehicle and public liability cover are industry ‘must haves’ for all truck and heavy vehicle businesses.

We can also arrange additional insurance cover to suit your business, including:

  • Downtime cover
  • Personal accident and illness
  • Goods in transit
  • Non-owned trailer-in-control
  • NTI Accident Assist (roadside assist) (concrete trucks only).

What insurance should I consider for my trucking business?

Public liability insurance is strongly recommended for truck and heavy vehicle operators. You certainly might need it, but this cover alone may not adequately protect you, your drivers or damaged vehicles.

Packages we recommend often include:

  • Truck and vehicle insurance
  • Public liability insurance
  • Goods-in-transit insurance.

Our specialised transport team can help provide you with tailored protection – so you can stay focused on your business.

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What’s covered?

  • Motor vehicle

    Your own vehicle and third-party property and/or vehicle.

  • Public liability

    Up to $20 million cover, or more, depending on your contract requirements.

  • Wrongful delivery

    Cover for the wrong load or wrong location.

  • ‘Agreed value’ cover

    Depending on what you carry, not market value – so you know the amount of cover you have.

  • Flat or capped excess

    Depending on where you live and what you carry.

  • Other options

    Choice of repairer, substitute hire vehicle, and more.

  • Downtime cover

    Pays a weekly amount if you have an accident and are off the road.

  • Concrete truck solidification cover

    Due to ancillary power failure (mechanical or electrical breakdown).

What’s not covered

Specific exclusions may vary according to the type of cover you have. However, there are some general things that heavy vehicle insurance solutions typically do not cover. These include:

  • Pre-existing damage
  • Inebriated or impaired drivers
  • Illegal activity with your vehicle
  • Failure to disclose key information.

Specialised cover we can arrange for your trucks

The Marsh team can arrange specialised cover for your specific type of trucks, and tailor your cover for your contract requirements.

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Cover for concrete (agitator) trucks

Marsh has been serving the needs of multi and owner drivers in the Australian concrete industry for a period spanning two decades. Our specialised cover is underwritten by NTI, a leading insurer in the transport sector.

  • Motor vehicle cover

    Flat excess: $1,000 in NSW, $750 in other states.

  • Agitator cover for owned or non-owned agitator

  • Solidification due to mechanical or electrical breakdown

  • Downtime cover

    Weekly benefit if your vehicle is off the road due to an accident.

  • $20 million public liability cover

  • Cover for wrongful delivery to an incorrect site

  • Roadside assistance

    Optional add-on of NTI accident assist.
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Cover for powder trucks

With over 20 years of experience in the powder tanker industry, Marsh understands the unique needs of operators and are committed to offering tailored solutions that aim to minimise your exposure and match your budget.

  • Motor vehicle cover

    With capped excess, depending on sum insured.

  • $20 million public liability cover

  • Covers wrongful delivery to incorrect silo

  • Marine cargo insurance cover

    For accidental spills. Covers clean-up costs and replacement ingredients.

  • Downtime cover

    Pays a weekly benefit if your vehicle is off the road due to an accident.
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Types of trucks and heavy vehicles we can arrange cover for

From concrete agitators and powder trucks to earthmovers and logging trucks, our trucks and heavy vehicle insurance solutions can cover you for risks specific to your business.

  • Earth movers & excavators
  • Quarry trucks
  • Brewery trucks
  • Tippers
  • Civil construction vehicles
  • Trucks carrying dangerous goods
  • General freight cartage

Additional cover we can arrange

Choose any or all cover to protect yourself and your business and we’ll get right on it.

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Personal accident and illness

Protect your income if you’re unable to work due to accident or injury. The cover can pay a weekly amount for up to 104 weeks, or a lump sum, depending on your injury. 

  • Covers you 24/7 with a weekly benefit payable for up to 2 years.
  • $25,000 death benefit, including funeral expenses (subject to terms and conditions).
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Goods in transit

Help protect your or your client’s cargo against loss or damage.

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Trailer-in-control

Help protect trailers you need to transport, that are owned by someone else.

Claims support for your trucks

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Claims support for concrete (agitator) trucks

Working with your Marsh broker, NTI have got a team of specialised claims experts to help you get back on the road faster:

  • Award‑winning, tailored claims service for Marsh.

    Built on decades of NTI expertise, with dedicated Claims Relationship Managers, a 24/7 claims hotline, and access to in‑house Repair Managers and Parts Specialists.

  • Fast, efficient claims handling.

    Auto‑lodgement with claim numbers issued within minutes and a local Claims Consultant and Repair Manager assigned to every customer.

  • End‑to‑end, on‑scene and ongoing support.

    Recovery specialists attending accidents with care covering medical assistance, trauma counselling, communications, and transport.

  • Proven outcomes and clear accountability.

    Delivering proactive management, full transparency, reduced complexity and downtime, faster return to work, and protection of both customer and broker relationships.

  • Lodge a claim.

    With your broker or via the Marsh NTI dedicated hotline on 1800 263 681.
Submit a concrete agitator claim
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Other heavy vehicles and trucks claims support

As soon as you become aware of a claim or a circumstance which may result in a claim, contact our team.

  • Marsh provides a dedicated team of heavy vehicle and truck insurance specialists to assist you.

  • The Marsh team will advocate for you with insurers, allowing you to concentrate on running your business.

  • Your Marsh team of brokers will guide you through the claims process and will support you to get back on the road faster.

Submit a claim

Why Marsh?

Why choose Marsh for insuring your trucks?

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Transport cover specialists

We’ve been working with trucking businesses for more than 30 years.

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Claims support

Handling a claim can take precious time away from running your business, at a time when you’re possibly scrambling to get things running smoothly again. We can help take the load off, managing, negotiating and settling claims on your behalf.

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A broad range of heavy vehicles

From concrete agitators to quarry trucks and earthmovers, no matter how large or small your fleet, we understand what you need and can help keep your vehicles protected.

Frequently asked questions

Yes. Our motor vehicle policy covers up to $5,000 (or up to 4 weeks) for a substitute hire truck.

A certificate of currency is proof you hold a current insurance policy.  Simply pay your invoice, and your certificate of currency will be sent to you.

Insurers use a range of details to calculate your insurance premium. These include:

  • your vehicle type
  • the goods that you carry
  • your business turnover
  • prior claims history.

To arrange a quote, talk to us today. We can help you understand your business risks and arrange appropriate cover to meet your insurance needs.

Optional premium funding:

Premium Funding is available, enabling monthly instalments (conditions apply*)

*Premium funding incurs interest and an additional administration fee. This is a general overview of the finance. Please call us and ask for a copy of the finance wording. We recommend you read the finance wording, so you have an understanding of the terms, conditions and exclusions before you decide whether this approach suits your needs. Marsh will receive commission from the finance company for our assistance in organising the finance.

Our claims team can guide you through this process. When you need support, we can arrange everything for you – including liaising with your insurer.

For concrete agitator trucks claims, lodge your claim directly with the NTI claims team on 1800 263 681 or submit a claim to our team. They will work with NTI on your behalf.

Truck insurance is insurance designed to protect heavy vehicles and truck operators against the risks of running a transport business. Depending on the cover selected, it can help protect your truck from damage to third-party property, public liability exposures, costs arising from events such as accidents, wrongful delivery, spills, or downtime while the vehicle is off the road. It can also be tailored for specific vehicle types, such as concrete agitators, powder tankers, tippers, and other heavy transport vehicles.

Our insurance solutions can cover concrete agitators, powder tankers, tippers, logging trucks, earthmovers, and other heavy transport vehicles.

Agreed value is the amount you’ll receive if your vehicle is written off. Market value depends on the vehicle’s current resale value.

Yes, public liability is included in heavy vehicle operator cover to protect against claims for injury or damage caused to others, including accidental delivery errors.

This cover can help replace income lost while your vehicle is being repaired or replaced.

Yes. Policies arranged through Marsh typically allow you to select your preferred repairer.

Your policy may include cover for agitator loss caused by solidification or mechanical failure.

Goods in transit cover can help protect your load from loss or damage during transport.

Our concrete truck cover includes solidification cover in the event of mechanical or electrical breakdown.

Yes, loan vehicles can often be covered while your truck is being repaired or rebranded.

Yes, your cover can extend nationally, provided you meet each state’s heavy vehicle compliance requirements.

Marsh provides this document when you purchase your policy for your records or for site and contract compliance.

Contact Marsh as soon as an incident occurs. Our team will help you through the claims process and liaise with the insurer.

If you have concrete truck insurance, NTI have a direct claims line specifically for Marsh customers on 1800 xxxxx or submit your claim to our broking team. 

NTI offer 25% off accident assist cover (roadside assist) for concrete truck policy holders with Marsh.

This cover includes:

  • 24/7 immediate accident response across Australia, with NTI Accident Assist coordinating emergency services, towing, recovery, and on-site driver wellbeing and safety support.
  • Early intervention to reduce claim severity and downtime, activating repairs and supply chains from day one to improve outcomes and customer experience.
  • Integrated, in-house repair management, leveraging a national network of authorised specialist repairers, controlled timelines, and access to appropriate parts and suppliers.
  • Consistent quality and cost control, backed by end-to-end oversight, reduced delays and rework, and a lifetime guarantee on authorised repairs.

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This website contains general information, does not take into account your individual objectives, financial situation or needs and may not suit your personal circumstances.

Marsh Pty Ltd (ABN 86 004 651 512, AFSL 238 983) (“Marsh”) and Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238 369) (“MAI”) arrange the general insurance (i.e. not the Discretionary Trust Arrangement) and are not the insurer.

Discretionary Trust Arrangements are issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417 964) (“JGS”). Any advice or dealing in relation to a Discretionary Trust Arrangement is provided by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226 827) (“JLT”). The cover provided by a Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions.

For full details of the terms, conditions and limitations of the covers and before making any decision about whether to acquire a product, refer to the specific policy wordings and/or Product Disclosure Statements (PDSs) available from the relevant product issuer. Target Market Determinations (TMDs) are available here.

Marsh, MAI, JGS and JLT are all businesses of the Marsh group.

When arranging the concrete truck insurance product, Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238 369) acts under binding authority on behalf of NTI Limited (ABN 84 000 746 109, AFSL 237246) and not on your behalf.

LCPA 26/2832