Transport & Logistics Insurance
Protecting Australia’s transport and heavy motor businesses
Australia’s transport and logistics industry is the backbone of the economy, but it comes with unique risks, from vehicle accidents and cargo damage to regulatory compliance and operational downtime.
T&G Insurance Brokers specialises in protecting transport operators, fleet managers, owner-drivers, and logistics companies with tailored insurance solutions.
Our deep industry knowledge ensures that whether you manage a single truck or a national fleet, your business stays protected and running smoothly.
We keep your business moving.
Right cover, right advice, right & support.
Transport & Logistics insurance solutions
Commercial Motor Insurance
Protecting your commercial vehicles
Commercial motor insurance is more than just vehicle cover. For fleet operators and owner-drivers, a single accident can halt operations, affect contracts, and create significant financial exposure.
- Vehicle damage and repairs
- Third-party liability
- Replacement hire vehicles
- Downtime protection to cover lost income during repairs
Commercial vehicles are high-value assets, and downtime can be costly. T&G’s brokers assess your fleet, routes, and operational risks to create a cover plan that can help minimise disruption and maximise protection.
Heavy Haulage Insurance
Specialist cover for heavy transport operators
Heavy haulage involves moving oversized or specialist loads across state lines — exposing operators to higher liability, regulatory compliance requirements, and potential cargo damage.
- Oversized and heavy cargo
- Third-party liability for accidents and infrastructure damage
- Transit risks across multiple jurisdictions
- Breakdown and downtime coverage
Heavy haulage operators face unique exposures, including NHVR compliance, load-specific liability, and infrastructure damage claims. T&G brokers work closely with insurers experienced in heavy haulage to create customised policies that mitigate these risks.
Fleet Insurance
Comprehensive protection for small and large fleets
Managing a fleet requires balancing cost, risk, and compliance. T&G Insurance Brokers offers solutions that simplify administration while ensuring drivers, vehicles, and cargo are covered.
- Comprehensive vehicle cover
- Flexible excess and deductibles
- Driver coverage for authorised personnel
- Downtime and replacement vehicle options
Fleet operators need insurance that reduces administrative complexity while providing robust protection. T&G Insurance Brokers can customise policies to suit fleet size, routes, and vehicle types, helping operators manage costs and their risk exposure.
Carriers Insurance
Protecting good in transit
Goods in transit can be damaged, lost, or stolen, affecting both your business and client relationships.
- Cargo loss, damage, or theft
- Third-party liability during transit
- Optional coverage for refrigerated or specialised goods
Freight operators and logistics businesses rely on safe delivery for reputation and profitability. The broking team at T&G design cover that helps protect both your business and your clients’ cargo.
Owner Drivers Insurance
Cover designed for independent operators
Independent owner-drivers face unique challenges, high exposure to liability, variable routes, and single-vehicle dependency.
- Vehicle and equipment protection
- Public and third-party liability
- Downtime and income protection
- Flexible premium options
As an Owner-Driver, you can’t afford gaps in cover. T&G helps ensure insurance is affordable, tailored to your operational needs, and protects your livelihood should the unexpected happen.
Depots & Warehouses Insurance
Protecting your business premises and equipment
Transport businesses aren't just about vehicles. Depots, warehouses, and storage facilities hold valuable assets and stock — and damage or loss to any of these can cause significant disruption to your operation.
- Building and contents insurance
- Equipment and machinery cover
- Stock and goods storage
- Liability coverage for visitors and staff
Depot and warehouse risks can lead to operational disruption and financial loss. T&G brokers assess your property and equipment to provide tailored insurance that keeps your operations secure.
Need advice? Talk to our team of transport brokers
Why choose T&G Insurance Brokers
Your business is unique, and your insurance should reflect that. With decades of experience across transport and commercial insurance, T&G Insurance Brokers takes the time to understand how you operate, then provides practical, expert advice that protects your operations, vehicles, and people — so you can focus on driving your business forward.
When it comes to claims, we've got your back. Our dedicated team works to achieve fast, fair resolutions, guiding you every step of the way and advocating on your behalf.
Through strong industry partnerships, we deliver competitive insurance solutions tailored to your needs. No one-size-fits-all policies. Just smart, customised cover that fits your business perfectly.
Flexible Payment Solutions with Premium Funding
Insurance premiums can be a significant business expense, and paying them in a single lump sum isn't always practical. T&G offers a range of accredited premium funding options that help you manage cash flow without compromising on cover.
Why use premium funding?
- Spread your insurance payments over time
- Keep cash available for day-to-day operations
- Flexible terms to suit your business
Why use an insurance broker?
Insurance can be a complex process, navigating through the various products, covers available, exclusions and confusing terminology. Having an experienced insurance broker on your side means you have a qualified professional who acts on your behalf, not for the insurer, ensuring your specific needs are assessed and you get the insurance program that works for you.
