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Product and services

Business vehicle insurance

Keep up the momentum with comprehensive commercial motor vehicle insurance – arranged by us and tailored to you.

Cover we can arrange

Theft or accidental damage

Helps cover flow-on costs after a vehicle is stolen or damaged. If an accident happens, it can cover damage to the vehicle or to third-party property.

New vehicle replacement

Repairing a vehicle is costly. But replacing it is another story. We can cover the cost of a brand-new vehicle – of the same make and model – if yours goes down for the count.

Vehicle hire

If your business vehicle is rendered undriveable while en route to an important event, there’s no need to worry. We can help cover the cost of a replacement hire car.

Commercial fleet cover

Do you have a fleet at your disposal? We can arrange to cover 15 or more cars under one policy with commercial fleet insurance that includes accident management services.

Rideshare car insurance

Rideshare or food delivery driver? Ask about our rideshare car insurance that covers you for both personal and business use.

Up to $50 million legal liability

Generally speaking, a standard business vehicle policy provides cover for up to $50 million in legal liability. Feel more at ease on the road with a financial cushion beneath you.

Why use a broker?

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

Why Marsh?

Why should you choose Marsh to arrange your insurance solutions?

Trusted by 130 associations

We are proud to be the endorsed insurance broker for more than 130 Australian industry groups and member associations, developing insurance solutions that help meet the risk and insurance needs of businesses across a variety of industries.

Local expertise

Our Australia-wide network of brokers have spent years at the coalface supporting business owners manage their unique risks in a fast-changing market. They keep ahead of the latest market insights both local and global and break down the jargon into your language.

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.

Personalised policies

We can cover multiple vehicles of multiple kinds: sedans, utes, trucks, vans and beyond. Just tell us what you need.

Award-winning expertise

The Australian Insurance Industry Awards has awarded Marsh the title of Large Broking Company of the Year on multiple occasions.

Your money, your policy

Getting you the most value is our priority. Whether you run a small business or a full-scale operation, we’ll tailor your policy to your needs.

Related insurance solutions

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Business insurance

Need a range of covers to suit your business needs? Explore Marsh’s business bundles for glass, theft, contents cover and more.

Goods-in-transit insurance

Cover your cargo, bolster your business. We can help you stay in forward momentum – by arranging insurance tailored to you.

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.

Handyman insurance

If you’re handy by trade, we can help you stay covered. Let us arrange handyman insurance that’s tailored to you. 

Courier insurance

The journey to your drop-off point should be as painless as possible. Take a load off your mind with cover arranged by Marsh. 

Truck insurance

If trucks are integral to your operations, truck insurance is a wise investment. Let Marsh arrange the right cover for you.

Taxi insurance

A damaged taxi can put a dent in your business. Consider taxi fleet insurance arranged by Marsh – the industry experts.

Frequently asked questions

The cost will depend on a few factors. They include:

  • Your vehicle’s make and model
  • The nature of your business
  • Your commercial vehicle claims history
  • Levels of cover
  • The coverage provided.

You can discuss your situation and circumstances with one of our brokers to work out how much you’ll pay.

Personal car insurance covers your private vehicle only – for personal use. Some insurers might not cover a personal car insurance claim for an accident that happened while the car was being used for work – such as a delivery.

Business vehicle insurance is designed specifically for vehicles (cars, vans, utes, motorcycles etc) used for commercial purposes. These policies also often have extra benefits that are tailored to the risk needs of commercial drivers, such as windscreen replacement inclusions and hire car extensions.

And not all car insurance covers are the same, so it pays to speak to an expert before making a purchase.

Business vehicle insurance and commercial vehicle insurance are interchangeable terms.

They both refer to the same policy: one that helps cover the costs of theft, damage and accidents to vehicles being used for work purposes.

An insurer will, in most cases, cover a driver for reasonable personal use. Just be sure to read your product disclosure statement before you head out on the road.

You should also speak to your insurance broker to confirm the full inclusions and exclusions of your policy.

In this case, the right policy for you depends on the weight of your vehicles.

You can insure a fleet of light to mid-weight vehicles under a commercial fleet policy. But trucks and large vans will need to be insured under a truck and heavy motor vehicle policy.

For details, learn more about truck insurance.

Generally speaking, a typical policy can cover loss or damage to your vehicle after an insured event:

  • Loss or damage after an insured event – such as malicious damage, hail, storms, fire and theft.
  • Vehicle replacement
  • Accidental damage to other people’s property (ie third party’s property)
  • Costs of a hire car following theft, damage or emergencies
  • Damage caused by attempted theft
  • Broken windscreens or window glass
  • Towing.

The answer will vary from insurer to insurer. Your policy may look different depending on who provides it – and inclusions may only apply to certain types of vehicles.

Also make sure you read your relevant product disclosure statement (PDS) for a full list of your inclusions – and speak to a Marsh advisor for guidance.

This answer will vary from insurer to insurer. Your policy may look different depending on who provides it – and exclusions may only apply to certain types of vehicles.

Generally speaking, a typical commercial motor insurance policy can’t cover:

  • Pre-existing damage
  • Inebriated or impaired drivers
  • Failure to disclose information
  • Legal liability claims you’re already covered for – such as from compensation schemes, funds and compulsory or statutory insurance.

Insurers also cannot cover you if you haven’t disclosed key information – such as past claims or driving history.

Our brokers can arrange cover for fleets of 15 vehicles or more.

All fleet and commercial motor products will include coverage for third-party property damage and bodily injury (legal liability).

However, our brokers can arrange insurance tailored to your desired limits and requirements.

Insurers are required to publicly disclose who products are appropriate for and any conditions for distributing these. A target market determination (TMD) document outlines this information.

You can find links to Marsh’s TMDs on

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No. Generally speaking, you need to purchase a separate policy for any vehicles that are used for business purposes.

Yes, provided you are an owner, director or partner of the business and your personal vehicle does not make up a majority of the policy.

You may need to consider business car insurance if you use a vehicle for commercial or business purposes, for example, you’re a courier, tradie, food delivery driver or salesperson who travels to visit different clients. You might also be an employer who allows employees to use a business vehicle from time to time.

Business vehicles can be more expensive to insure compared to personal vehicles. However, the cost can vary depending on the type of vehicle, who is using it, and where or how it’s being used.

‘For business purposes’ in the context of car insurance generally means the vehicle is being used for work, rather than for personal use or commuting to and from work. 

Generally speaking, cars or vehicles that are classified as commercial include trucks, vans or utes. However, any vehicle used for business can be classified as commercial.

LCPA 23/476

Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238369) (“Marsh”) arranges the general insurance (i.e. not the Discretionary Trust Arrangement) and is not the insurer. This page contains general information and does not take into account your individual objectives, financial situation or needs. For full details of the terms, conditions and limitations of the covers, refer to the specific policy wordings and/or Product Disclosure Statements available from Marsh on request. 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. Any statements concerning actuarial, tax, accounting, or legal matters are based solely on our experience as insurance brokers and risk consultants and are not to be relied upon as actuarial, accounting, tax, or legal advice, for which you should consult your own professional advisors. The Discretionary Trust Arrangement is issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417964) (“JGS”). Any advice or dealing in relation to the Discretionary Trust Arrangement is provided by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226 827) (“JLT”). JGS and JLT are businesses of Marsh McLennan. The cover provided by the Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions.