Tailored Insurance Solutions for Transport & Logistics Businesses

From road freight and heavy vehicle operators to marine freight and cold chain logistics, we search the market on your behalf to arrange insurance for your fleet, your freight, and your people. For transport and logistics businesses, the insurance we often place includes:

Heavy Vehicle Insurance

Prime movers and other heavy commercial vehicles carry a different risk and claims profile to a standard fleet. Heavy vehicle insurance is built for that scale — distinct from general trucking fleets, which Polaris does not place given the sector’s claims history.

Heavy Vehicle Insurance

Prime movers and other heavy commercial vehicles carry a different risk and claims profile to a standard fleet. Heavy vehicle insurance is built for that scale — distinct from general trucking fleets, which Polaris does not place given the sector’s claims history.

Marine & Cargo

Goods in your care are exposed from the moment they’re loaded to the moment they’re delivered. Marine and cargo insurance responds to loss or damage to freight in transit, by road, rail, sea, or air, including import and export cargo.

Marine & Cargo

Goods in your care are exposed from the moment they’re loaded to the moment they’re delivered. Marine and cargo insurance responds to loss or damage to freight in transit, by road, rail, sea, or air, including import and export cargo.

Public & Products Liability

Every transport and logistics operator carries third-party risk — injury or property damage caused during loading, unloading, warehousing, or while goods are in your care. Public and products liability insurance responds to claims arising from your operation.

Public & Products Liability

Every transport and logistics operator carries third-party risk — injury or property damage caused during loading, unloading, warehousing, or while goods are in your care. Public and products liability insurance responds to claims arising from your operation.

Commercial Motor Fleet

Cars, vans, and light commercial vehicles move people and smaller freight as part of a broader logistics operation. We arrange fleet insurance scaled to how many vehicles you run, separate from your heavy vehicle insurance.

Commercial Motor Fleet

Cars, vans, and light commercial vehicles move people and smaller freight as part of a broader logistics operation. We arrange fleet insurance scaled to how many vehicles you run, separate from your heavy vehicle insurance.

Marine Hull (Commercial)

Vessels used for commercial marine freight carry their own hull exposure, distinct from the cargo they carry. Marine hull insurance responds to physical loss or damage to the vessel itself.

Marine Hull (Commercial)

Vessels used for commercial marine freight carry their own hull exposure, distinct from the cargo they carry. Marine hull insurance responds to physical loss or damage to the vessel itself.

Workers Compensation

Workers compensation insurance is a statutory requirement in every state for anyone you employ, from drivers and warehouse staff to logistics coordinators. Requirements and premiums vary by jurisdiction — we help you navigate the right settings for your workforce.

Workers Compensation

Workers compensation insurance is a statutory requirement in every state for anyone you employ, from drivers and warehouse staff to logistics coordinators. Requirements and premiums vary by jurisdiction — we help you navigate the right settings for your workforce.

Commercial Property

Depots, warehouses, and distribution centres need insurance for the building, contents, and loss of rent if a property event takes the site out of action.

Commercial Property

Depots, warehouses, and distribution centres need insurance for the building, contents, and loss of rent if a property event takes the site out of action.

Stock & Spoilage

Perishable freight held in cold chain or warehousing can be lost to spoilage or deterioration following equipment breakdown, a power outage, or a temperature failure. Stock and spoilage insurance responds to that loss, separate from the insurance protecting the equipment itself.

Stock & Spoilage

Perishable freight held in cold chain or warehousing can be lost to spoilage or deterioration following equipment breakdown, a power outage, or a temperature failure. Stock and spoilage insurance responds to that loss, separate from the insurance protecting the equipment itself.

Plant, Equipment & Machinery

Forklifts, loading equipment, and other fixed or mobile plant used across depots and warehouses represent capital that has to keep running. This insurance responds to the cost of repair or replacement following mechanical or electrical breakdown.

Plant, Equipment & Machinery

Forklifts, loading equipment, and other fixed or mobile plant used across depots and warehouses represent capital that has to keep running. This insurance responds to the cost of repair or replacement following mechanical or electrical breakdown.

Business Interruption

A fire, equipment failure, or other insured property event doesn’t just damage the asset — it stops freight moving while you recover. Business interruption insurance responds to loss of income and ongoing fixed costs while you’re back on your feet.

Business Interruption

A fire, equipment failure, or other insured property event doesn’t just damage the asset — it stops freight moving while you recover. Business interruption insurance responds to loss of income and ongoing fixed costs while you’re back on your feet.

Management Liability

Running a transport and logistics business with staff, contracts, and incorporated structures carries director, employment practices, statutory liability, and crime exposures that a management liability policy bundles into one place — relevant as your business and headcount grow.

Management Liability

Running a transport and logistics business with staff, contracts, and incorporated structures carries director, employment practices, statutory liability, and crime exposures that a management liability policy bundles into one place — relevant as your business and headcount grow.

Cyber Insurance

Logistics operations increasingly rely on tracking, scheduling, and freight management systems. Cyber insurance responds to data breach costs, ransomware, and the business interruption that follows an incident.

Cyber Insurance

Logistics operations increasingly rely on tracking, scheduling, and freight management systems. Cyber insurance responds to data breach costs, ransomware, and the business interruption that follows an incident.

Environmental Liability

Fuel storage, vehicle maintenance, and freight handling can carry the risk of pollution or contamination occurring at depot or warehouse site. Environmental liability insurance responds to cleanup, remediation, and third-party contamination costs.

Environmental Liability

Fuel storage, vehicle maintenance, and freight handling can carry the risk of pollution or contamination occurring at depot or warehouse site. Environmental liability insurance responds to cleanup, remediation, and third-party contamination costs.

Commercial Drone Insurance

Drones are increasingly used across larger depots and distribution centres for stocktake, inspection, and site monitoring. Commercial drone insurance covers the hull, liability, and operator exposure that comes with running drones as part of your operation.

Commercial Drone Insurance

Drones are increasingly used across larger depots and distribution centres for stocktake, inspection, and site monitoring. Commercial drone insurance covers the hull, liability, and operator exposure that comes with running drones as part of your operation.

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Why Transport & Logistics Businesses Choose Polaris

We don’t sell insurance. We solve problems.
Access to Multiple Insurers

We compare policies across a panel of Australian and international insurers to find insurance suited to your transport and logistics business and its risk profile.

Market Conditions, Tracked for You

Commercial insurance pricing moves with the market. We monitor it on your behalf and tell you honestly whether now is the time to review your insurance or hold.

Sector Specialists

We understand that a transport and logistics business can carry fleet risk, cargo risk, and warehousing risk all at once — and we build insurance around the combination that applies to you, not a generic template.

Full Claims Support

When something goes wrong, we manage your claim from lodgement to settlement. You deal with us, not the insurer — one point of contact, start to finish.

Choose your next step:

Choose your next step:

Request a Review

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FAQ

Top common questions asked about transport & logistics business insurance

Top common questions asked about transport & logistics business insurance

What insurance does an energy or utilities business need as standard?
Why does Cyber Insurance matter for energy and utilities specifically?
Do we need Professional Indemnity insurance if we operate physical infrastructure rather than provide advice?
What’s the difference between Plant, Equipment & Machinery insurance and Plant & Machinery (Mobile) insurance?
What’s different about working with a broker instead of going direct to an insurer for energy and utilities insurance?

Your Fleet, Your Freight and Your Routes Change. Has Your Insurance Kept Up?

Your Fleet, Your Freight and Your Routes Change. Has Your Insurance Kept Up?

A strategic check of your current insurance against where your business stands today. No cost, no obligation.

Request a Risk & Insurance Review →

Request a Risk & Insurance Review →

No cost. No obligation.

No cost. No obligation.

Already know what you need?

Already know what you need?

Heavy Vehicle Insurance, Marine & Cargo, Public Liability or any cover above?

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Request a Review

Request a Review

Get a Quote

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Logo

Polaris is an Australian insurance broker. We place and review cover for businesses that want a policy built around them, and service to match.

LEGALS

Company

HEAD OFFICE

Backed by the strength of Steadfast

Steadfast logo

The information on this page is general in nature and does not take into account your individual objectives, financial situation, or needs. Before making a decision about an insurance product, consider whether the information is appropriate for your circumstances and read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD). Polaris Risk Services Pty Ltd ABN 62 689 768 634 AFSL 700131 acts as your insurance broker and sources policies from a range of insurers on your behalf. Polaris does not act for any insurer.

© 2026 Polaris Risk Services Pty Ltd.

Logo

Polaris is an Australian insurance broker. We place and review cover for businesses that want a policy built around them, and service to match.

LEGALS

Company

HEAD OFFICE

Backed by the strength of Steadfast

Steadfast logo

The information on this page is general in nature and does not take into account your individual objectives, financial situation, or needs. Before making a decision about an insurance product, consider whether the information is appropriate for your circumstances and read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD). Polaris Risk Services Pty Ltd ABN 62 689 768 634 AFSL 700131 acts as your insurance broker and sources policies from a range of insurers on your behalf. Polaris does not act for any insurer.

© 2026 Polaris Risk Services Pty Ltd.