Why Choose Liability Coverage Under Commercial Motor Insurance?
Liability insurance is designed to protect your business when commercial vehicles cause harm to others. Whether it’s a delivery truck accident, property damage during operations, or injuries to other road users, liability protection helps cover costs and keeps your fleet operational.
Key benefits include:
Who Needs Commercial Motor Liability Insurance?
Any business operating vehicles requires liability coverage. It’s especially critical for.
- Delivery and courier services
- Trade and construction fleets
- Transportation and logistics companies
- Sales teams with company vehicles
Commercial Motor Insurance
What It Covers:
- Vehicle damage and repairs
- Theft and fire damage
- Windscreen and glass
- Towing and recovery
Liability Coverage
What It Covers:
- Third-party injury claims
- Other vehicle damages
- Property damage claims
- Legal costs and compensation
Get Covered
Today
Don’t let inadequate liability coverage put your business at risk. Protect your fleet with tailored liability insurance. Ready to get started? Request a Quote or speak with one of our motor insurance specialists today.
Contact UsFrequently Asked Questions.
What is commercial motor liability insurance?
Commercial motor liability insurance protects your business when your vehicles cause injury or damage to third parties. It covers compensation claims, vehicle repair costs, medical expenses, and legal fees when your commercial vehicles are at fault in accidents. This essential coverage goes beyond basic CTP insurance to provide comprehensive third-party protection.
Is liability coverage included in commercial motor insurance?
Most comprehensive commercial motor policies include third-party liability coverage, but limits and scope vary. Basic third-party property damage is often included, but you may need additional coverage for higher limits, legal defence costs, or specific business activities. Review your policy to ensure adequate liability protection for your fleet operations.
How much liability coverage do I need for my fleet?
Liability coverage requirements depend on vehicle types, usage patterns, and cargo carried. While CTP insurance is mandatory for injury claims, property damage liability should be at least $20-30 million for most commercial operations. High-risk operations like dangerous goods transport or interstate haulage may require higher limits.
Does liability insurance cover my drivers?
Commercial motor liability insurance covers your business’s legal liability when authorised drivers cause accidents, protecting against vicarious liability claims. However, it doesn’t cover your own drivers’ injuries, that requires separate workers’ compensation insurance. The coverage extends to employees, contractors, and other authorised operators.
What’s the difference between CTP and commercial motor liability?
Compulsory Third Party (CTP) insurance only covers personal injury claims and is legally required for vehicle registration. Commercial motor liability insurance provides broader protection including property damage, legal costs, and higher compensation limits. Most businesses need both CTP and comprehensive liability coverage for complete protection.
Are hired or substitute vehicles covered?
Liability coverage typically extends to hired, leased, or substitute vehicles used for business purposes, but confirmation is essential. Some policies automatically include temporary replacements, while others require notification. Ensure your policy covers all vehicles your business operates, including short-term rentals during repairs or peak periods.