HGVInsurance.co.nz
🏭 Sector-Specific Insurance

Insurance for Every Transport Sector

Each industry has its own risk profile, regulatory obligations, and specialist coverage requirements. We match operators with brokers who understand their specific sector.

Freight truck on New Zealand highway
📦

Freight & Logistics

General freight, express parcel delivery, pallet freight, and 3PL logistics operators running artics and rigid trucks on the national highway network.

Key Coverage Needs
  • Carriers liability
  • Comprehensive motor vehicle
  • Public liability
Sector insurance details
Logging truck carrying timber through New Zealand forest
🌲

Logging & Forestry

Timber carriers, logging jinkers, and forestry contractors working from harvest site to mill or port in Northland, Gisborne, Nelson, and the West Coast.

Key Coverage Needs
  • Comprehensive motor vehicle — agreed value
  • Public liability $5M+
  • Road clearing and reinstatement
Sector insurance details
Livestock transport truck on rural New Zealand road
🐄

Livestock & Agriculture

Livestock carriers, stock trucks, and agricultural transport operators moving cattle, sheep, deer, pigs, and horses between farms, saleyards, and processing plants.

Key Coverage Needs
  • Livestock mortality cover
  • Carriers liability
  • Biosecurity liability
Sector insurance details
Construction site heavy vehicles at work
🏗️

Construction & Civil Works

Tipper trucks, crane trucks, concrete mixers, and heavy haulage supporting civil construction and infrastructure projects across the country.

Key Coverage Needs
  • Comprehensive motor vehicle
  • Public liability $5M+
  • Plant and equipment
Sector insurance details
Alpine Dairy milk tanker on New Zealand highway with Southern Alps backdrop

Bulk Liquid & Tanker Operations

Fuel tankers, milk tankers, water carriers, and chemical transport operators with specialist hazardous goods and environmental liability requirements.

Key Coverage Needs
  • Comprehensive motor vehicle
  • Environmental liability
  • Pollution liability
Sector insurance details
Independent truck driver with his vehicle on New Zealand road
👤

Owner-Operators

Independent owner-operators running a single truck as a business — with tailored insurance packages that protect both the vehicle and the person behind the wheel.

Key Coverage Needs
  • Comprehensive motor vehicle — agreed value
  • Carriers liability
  • Public liability
Sector insurance details

Industry Association Insurance Programmes

The major transport industry associations have preferred insurance programmes specifically designed for their members.

📦

Transporting NZ

via Gallagher NZ (AJG)

Freight & logistics operators

🚛

National Road Carriers (NRC)

via Marsh NZ

Owner-operators & carriers

🌲

NZ Heavy Haulage Association (NZHHA)

via Rothbury

Logging & heavy haulage