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Commercial Motor Insurance

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At Regional, our expert broking team understands the risks involved with all forms of motor vehicles and associated transport.

If your business operates one or more commercial vehicles, whether or not they are your primary service, you need to consider commercial motor insurance. We can arrange cover for various vehicle types with options that suit your business needs.

Do you need Commercial Vehicle Insurance?

Commercial motor vehicle insurance benefits anyone using a vehicle for everyday business requirements. This can include everyday cars, construction vehicles, vans, utes, and light trucks.

You would need commercial motor insurance if:

  • Your business owns or operates vehicles, whether cars, vans, trucks, or specialised vehicles.
  • You use your vehicle for business purposes
  • Your business involves transporting passengers or goods for hire or reward.

Commercial fleet insurance is essential if your vehicle becomes unusable or is stolen, as it can affect your ability to work and income. Similar to personal vehicles, business vehicles require insurance to reduce risks and provide coverage when you need it most, especially if you use that vehicle to carry out work duties.

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What can a Commercial Motor policy cover?

Accidents, theft or damage to your business vehicle can severely impact your operation. Business fleet insurance provides comprehensive cover for a range of vehicles from cars, utes, trucks and earth movers for:

Vehicle loss or damage:
If your vehicle is involved in a collision, business car insurance can cover the repair costs or the expense of replacing the vehicle. It also protects against damage caused by fire, flood, or storms.
Theft
Commercial motor fleet insurance provides theft cover for situations where your business vehicle is stolen. Depending on your chosen coverage, this insurance will cover repairs or pay the market value or an agreed-upon sum insured.
Third-party property damage:
Covers your legal liability for compensation and costs incurred due to property damage caused by an accident involving your vehicle.
Towing costs:
Help with costs associated with protecting, removing and towing your vehicle following an accident or theft.
Hire costs
Business vehicle insurance covers the costs associated with using a hire vehicle in the event that your business vehicle is receiving repairs or has been stolen.

Flexible insurance with a local touch

Insurance isn’t always a one-size-fits-all policy. Whether you’re in manufacturing, food and beverage, hospitality, a property owner, tradie or truckie, we’re here to help structure your insurance program to suit.

The right cover for you
Tailored insurance programs to suit your business risks, whatever your business, wherever you operate.
Support from an expert
Highly trained insurance professionals to help you identify risks, manage your insurance program and support you with claims.
Friendly, local service
With 16 offices across Queensland and a national reach, you have access to support when you need it.
Comprehensive Insurance
The insurance policy you choose depends on your personal needs and the requirements of your commercial vehicles. Our team will work closely with you to select a policy that provides the best coverage for your situation.

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