Why Choose Liability Coverage Under Heavy Haulage Insurance?
Liability insurance is critical for heavy haulage operators facing unique third-party risks. Whether it’s bridge strikes, road damage, power line incidents, or accidents involving escort vehicles, liability protection covers compensation claims and legal costs that could otherwise bankrupt your operation.
Key benefits include:
Who Needs Heavy Haulage Liability Insurance?
Any business transporting oversized or overweight loads requires specialised liability coverage. It’s especially critical for.
- Transport & Logistics
- Mining & Resources
- Oil, Gas & Energy
- Construction & Infrastructure
- Agriculture & Farming
- Forestry & Timber
- Manufacturing & Engineering
- Special Projects/Events
Heavy Haulage Insurance
What It Covers:
- Prime mover and trailer damage
- Cargo loss or damage
- Breakdown and recovery
- Equipment and rigging
Liability Coverage
What It Covers:
- Infrastructure damage claims
- Third-party vehicle damage
- Legal costs and fines
- Environmental cleanup
Get Covered
Today
Don’t let inadequate liability coverage expose your heavy haulage business to million-dollar claims. Protect your operation with specialised coverage designed for oversized transport risks. Ready to get started? Request a Quote or speak with one of our heavy haulage specialists today.
Contact UsFrequently Asked Questions.
What makes heavy haulage liability insurance different from standard trucking liability?
Heavy haulage liability insurance addresses the unique risks of transporting oversized and overweight loads. Standard trucking policies often exclude or limit coverage for infrastructure damage, bridge strikes, and permit violations. Heavy haulage liability provides specific protection for these high-value claims, with limits that reflect the catastrophic damage potential of 100+ tonne loads.
Are bridge strikes and infrastructure damage automatically covered?
Most standard policies specifically exclude infrastructure damage, making specialised heavy haulage liability coverage essential. This coverage protects against bridge strikes, road surface damage, and overhead cable incidents that are inherent risks in oversized transport. Without proper coverage, operators face personal liability for repairs that can exceed millions of dollars.
How do escort vehicle incidents affect liability coverage?
Heavy haulage liability insurance typically extends to cover incidents involving pilot vehicles and escorts operating under your direction. This includes accidents caused by escort vehicles, inadequate warning to other road users, and errors in route clearance. The coverage recognises that heavy haulage operations involve multiple vehicles working as a coordinated unit.
What happens if we exceed permit conditions?
Liability insurance can provide legal defence coverage when facing prosecution for permit breaches, though deliberate violations may affect coverage. This includes overweight penalties, route violations, and time restriction breaches. While fines may not be covered, legal representation costs and third-party damage claims typically are protected.
Does liability coverage include environmental damage?
Comprehensive heavy haulage liability insurance should include environmental impairment coverage, essential when transporting mining equipment or industrial machinery. This covers cleanup costs, regulatory fines, and third-party claims from pollution incidents. Given the severe environmental regulations, this coverage is critical for sustainable operations.
How are liability limits determined for heavy haulage?
Liability limits for heavy haulage must reflect the catastrophic damage potential of oversized loads. Consider maximum possible infrastructure damage, multiple vehicle accidents, and business interruption claims against others. Most heavy haulage operators require minimum $50 million liability coverage, with many opting for $100 million or more for high-risk routes.