Hart Insurance Services is an Authorised Representative of Insurance Advisernet, one of Australasia's biggest General Insurance Brokers. Being an Insurance Adviser in Pialba our knowledge of the local insurance industry is second to none and our experience in handling insurance for many thousands of customers enables us to provide independent advice you can always trust. It also means you'll benefit from access to unrivalled financial strength, business efficiencies and buying power spanning every major insurer in Australia and New Zealand even access to major overseas insurers if and when required. We specialise in Truck Insurance including Plant & Equipment and Commercial Property Owners as well as a broad range of insurance products.
Truck Insurance including Plant & Equipment
Truck insurance is an important cover for companies in order to protect themselves from a range of potential accidents. Insurance options differ depending on factors such as the type of truck, the goods being transported, risks involved and driver experience and history.
Some of the most common types of coverage available include basic coverage, specialised coverage, primary trucking liability insurance and cargo insurance. Basic coverage consists of collision damage which will cover the cost of third-party repairs if your company’s driver is at fault, however, comprehensive cover will also enable repairs to your own company’s vehicle to a set figure. For a more inclusive insurance plan, specialised cover is an option that insures any risk that your driver could be involved in during their transportation of goods.
For driver specific insurance, primary trucking liability is an insurance option that covers bodily injuries and damage for the third party as well as the driver and the driver’s vehicle. If your company’s driver is found to be at fault, this insurance type will cover damages to an extent. In order to protect your cargo, cargo insurance is also an option, however, the coverage is dependent on the value of the cargo and the type of truck.
Plant and equipment insurance is an insurance option that insures equipment in the construction, civil, contractor, earthmoving, crane, agriculture and mining industries are completely covered in the situation that a breakdown, damage or theft may occur.
Because machinery breakdown can lead to short term and long-term losses for a business, it is ultimately a crucial insurance option.
Commercial Property Owners
Owning a commercial property can be a huge undertaking with unexpected expenses and accidents, especially with so many incidents occurring amongst third-party tenants. One of the most important aspects for commercial property owners to consider is commercial property insurance to protect their livelihood financially and legally. Popular insurance options include public liability insurance, property damage insurance and loss of income insurance.
Public liability insurance is one of most critical covers to invest in, as it provides you financial and legal protection. In the situation that a member of the public or a tenant sustains bodily harm at your property or as a result of poor property maintenance, their medical or hospital expenses will be covered. Property damage insurance provides financial protection if there are any damages that occur to your property, whether natural such as hail, human error such as fires or even electrical damage. Any replacements or repairs that are needed will be financially covered by property damage insurance. Because the income of a commercial property owner is dependent on the income and financial capabilities of their tenants, income flow has risks involved. Loss of income insurance protects your income if a tenant is unable to pay their rent, financially covering any losses incurred as a result.
Investing in the correct insurance plan minimises the risks associated with owning a commercial property, protecting your income and livelihood in the future.