What Is Commercial Vehicle Insurance?

Commercial vehicle insurance provides cover for cars, vans, utes, trucks, and other vehicles used for business purposes. Unlike personal car insurance, this policy is designed to protect you against risks unique to business use—such as higher mileage, heavy loads, and transporting clients or goods.

It can cover:

• Accidents and collisions
• Fire, theft, and vandalism
• Damage caused to other people’s property
• Liability for injuries to third parties

For sole traders in Canberra, this type of insurance ensures you’re not left paying out-of-pocket if an incident disrupts your business.

Why Insurance for Trailers Matters

Trailers are often overlooked when it comes to insurance. Yet, they’re crucial for many industries from tradies hauling tools to transport operators moving heavy goods.

Insurance trailers policies typically cover:

• Accidental damage to your trailer
• Theft of the trailer
• Liability for damage caused while towing
• Optional cover for tools and equipment carried inside

At Canberra Insurance Brokers, we understand that trailers are not “just add-ons” — they’re business assets that deserve proper protection.

Insurance for Semi-Truck and Trailer

Operating a semi-truck and trailer in Australia comes with significant risk. One accident could result in expensive repairs, cargo loss, or even legal claims. That’s why insurance for semi truck and trailer is critical for owner-operators and transport companies.

Cover options often include:

• Comprehensive protection for both truck and trailer
• Public liability cover for accidents on the road
• Downtime cover to protect your income if your truck is off the road
• Optional cover for goods in transit

Canberra Insurance Brokers can help you compare policies and ensure you’re not underinsured when driving across ACT and interstate routes.

Why Work With Canberra Insurance Brokers?

Choosing the right policy can be tricky. Premiums vary depending on vehicle type, usage, and industry risk. As local insurance specialists, we:

• Compare multiple insurers to find competitive cover
• Tailor policies to your specific needs (from a single ute to a fleet of trucks)
• Provide ongoing support for claims and policy changes
• Offer peace of mind that your business is properly protected

Frequently Asked Questions

Q: Is commercial vehicle insurance compulsory in Canberra?
A: Compulsory Third Party (CTP) insurance is mandatory in the ACT, but it only covers injuries to people. For full protection (damage, theft, liability), you’ll need a separate commercial vehicle insurance policy.

Q: Do I need separate insurance for my trailer?
A: Yes. In most cases, your standard vehicle policy won’t cover trailers. A dedicated insurance trailers policy ensures your trailer is protected from theft, damage, or accidents.

Q: How much does semi-truck and trailer insurance cost?
A: Premiums depend on the type of truck, cargo, routes, and your driving history. Canberra Insurance Brokers can help you compare policies and find a cost-effective option.

Final Thoughts

Whether you’re a tradie with a ute, a small business owner with trailers, or a truck driver hauling loads across the ACT, the right insurance matters. Canberra Insurance Brokers makes it easy to get the right commercial vehicle insurance, insurance trailers cover, and semi-truck insurance—so you can focus on driving your business forward with confidence.

Call Us At 1300 069 570 to Get Tailored Quote