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Truck insurance for SMEs

Help protect your assets and keep your business moving with comprehensive truck insurance cover.

                              0800 376 304

What insurance should I consider as a truck driver or owner?

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

Packages we recommend often include:

• Truck and vehicle insurance

• Public liability insurance

• Carriers liability insurance.

Our Transport team will help provide you with comprehensive protection – so you can stay focused on your business.

Key features and products

  • Comprehensive motor vehicle – own vehicle and third-party property and/or vehicle

    Certain minimum conditions may apply.  

  • Public liability to fit your business needs – cover for negligence made against your company

    The limit of liability is the maximum amount that can be provided under the insurance policy.  

  • Carriers liability coverage

    For goods not owned by you whilst in transit. Certain minimum conditions may apply.  

  • Loss-of-use coverage

    Weekly benefit whist vehicle is off the road due to an accident. Certain minimum conditions may apply. 

  • New Zealand-wide coverage

  • Other options: choice of repairer, substitute vehicle, and more

    Depending on eligibility: agreed value and flat excess; no penalty for young drivers, repairer of your choice; substitute hire vehicle; excess-free windscreen claim; trailer-in-control. 

Additional cover we can arrange

Product and services

Public liability insurance

Protect your business against third-party accidents and costly legal fees. Let us arrange the right cover for your needs. 

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Product and services

Business insurance

Looking for specialist expertise? Our brokers will tailor business cover for you – no matter your industry.

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Product and services

Motor trade cover

Help protect your business against financial loss if damage or an accident occurs. Let us arrange a motor trade policy tailored to you.


Why Marsh?

Why should you choose Marsh to arrange your insurance solutions?

In business, we've got your back

From mum and dad’s dairy, to national pizza chains, Marsh has a 60+ year history of supporting New Zealand’s business community. Our award-winning brokers are fluent in the latest global and Kiwi market insight and risk, but cut through the jargon to speak your language.  

Local expertise

Our New Zealand-wide network of brokers has spent years at the forefront, supporting business owners to manage their unique risks in a fast-changing market. Our brokers keep ahead of the latest market insights, both local and global, and break down complex terminology. 

Claims support

Handling an insurance claim can quickly become overwhelming, not least when your time is stretched to the limit keeping your business going in the backdrop. We help take the load off and manage, negotiate and settle claims with insurers on your behalf.

Trucking expertise

Our brokers have been working with trucking businesses for 30+ years. We leverage these strong market relationships to source competitive quotes.

For all heavy vehicles

From concrete agitators to quarry trucks – no matter how large or small your fleet – we can help keep your vehicles protected.

Comprehensive cover

We leverage our market relationships to obtain multiple quotes, negotiate competitive insurance policies, and help protect your business.

Why use a broker?

Choosing business insurance means navigating through products, coverages and policy terminology – with a sales pitch as your only guide. At Marsh, our brokers will spot your unique set of risks, match you to the right choice, and advocate for you on price. 

female insurance broker talking to clients

Frequently asked questions

Our team supports clients across the entire transport sector to provide risk and insurance advice that’s tailored to your unique risk profile.

Packages we recommend often include:

A certificate of currency is proof that you hold a current insurance policy.   

Please contact us once you have accepted your policy and we will arrange for a certificate of currency to be sent to you from your insurer. 

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

  • Level of cover

  • Business turnover

  • Prior claims history.

Insurers may also factor in the number of claims they expect to receive in a year for a particular business type.

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

Some businesses are required to show proof of public liability insurance before starting any work.

While it is not legally required for all companies, we recommend that sole traders, contractors and most New Zealand businesses consider obtaining public liability insurance.

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

Truck insurance costs can vary for different types of truck because there are many different factors that affect the premium. Some of these factors include, the type of vehicle, the nature and location of your trucking business, the age and experience of the drivers operating the vehicles, and much more..

This can vary depending on what you use your truck for and your business’s needs. However, many clients taking out truck insurance usually require cover for accidental damage to the truck as well as third-party property insurance.

Truck insurance and car insurance policies are similar, however, generally speaking, your car insurance won’t cover truck insurance, and personal vehicle insurance also won’t cover a car used for business purposes.

This depends on the policy you take out and your requirements. Additionally, drivers are covered if they have permission to use the truck, have the appropriate licence and operate within New Zealand legislation.

Any type of truck can be covered. 

All logging transport operators need to consider insurance to cover loss, unless they are in a financial position to self-insure.

Log truck insurance is generally the same as transport insurance cover, which generally includes:

· Cover for carrying units – protection for the units or vehicles used to transport goods.

· Third-party liability – protection if there is an accident or damage caused by the transportation process that results in harm to others or their property.

· Associated storage operation: protection for any associated storage operations, for example, if the goods need to be stored temporarily during the transportation process, the insurance can protect against damages or losses that may occur during storage.

Related insurance solutions

slected option

Construction insurance

Injury and property damage are just two prominent construction risks. Let us arrange insurance for those most relevant to you.

Motor trade insurance

Help protect your business against financial loss if damage or an accident occurs. Let us arrange a motor trade policy tailored to you.

Retail insurance

Whether you’re online or in-store, let Marsh service your insurance needs – so you can stay focused on your customers.

Insurance premium funding

Insurance can be a lifeline. But lump sum premiums can be a hindrance. Pay in monthly instalments with premium funding arranged by Marsh.

Business vehicle

Need to travel from one job to another to keep your business running? Marsh can arrange business vehicle cover tailored to your needs.


Business interruption

A storm, cyberattack or machinery breakdown can grind your business to a halt. Arrange business interruption cover to keep things moving.

LCPA 23/150

Marsh Ltd (NZBN 9429040918792)(“Marsh”) arranges insurance and is not an insurer. This webpage contains general information, does not take into account your individual objectives, financial situation or needs and may not suit your personal circumstances. For full details of the terms, conditions and limitations of the covers and before making any decision about whether to acquire the product, refer to the specific policy wordings and/or product disclosure statements available from Marsh on request. 

Additional disclaimer: Marsh makes no representation or warranty concerning the application of policy wordings or the financial condition or solvency of insurers or re-insurers. Marsh makes no assurances regarding the availability, cost, or terms of insurance coverage.