Truck, trailers and crates
Damage to the vehicle and to livestock crates, which are usually scheduled separately.
Livestock Carrier Insurance
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Livestock Carrier Insurance
Cover for stock crates and livestock transport across rural Australia.
Carting livestock puts long distances, unsealed roads and living freight in one job. The animals in the crate are not ordinary cargo, and cover for them is generally arranged separately from the truck.
What is it?
Livestock carriers run single and multi-deck crates on rigid trucks, semi-trailers and road trains, moving cattle, sheep and pigs between properties, saleyards, feedlots and processors. Work is often remote, on unsealed roads, and to tight welfare timeframes.
What does livestock carrier insurance cover?
Livestock in transit
Death or injury to animals being carried, addressed by specific stock-in-transit wording.
Liability
Third-party damage and injury, including incidents involving escaped stock.
What affects the cost?
- Distances travelled and proportion of unsealed road
- Species carried and deck configuration
- Road train or single-trailer operation
- Driver experience with livestock work
- Loading and unloading arrangements
Worth raising on the call
- Stock in transit is separate from the motor policy and is the cover most worth confirming.
- Escaped stock causing a road accident is a real and often overlooked liability.
- Remote-area breakdowns affect both downtime and welfare obligations.
Claims we are commonly asked about
Cattle go down on a long haul
On a hot summer run a beast goes down in a crowded deck and is trampled or suffocates before the next spell point. The claim covers the value of the lost stock and the disposal cost, and loading density and spell records are usually reviewed.
Rollover on a gravel bend
A loaded road train rolls on loose gravel on a rural corner and the crate is destroyed with stock still aboard. Carcass recovery, road closure, the crate and the truck all form part of the loss, and the stock component sits under separate wording.
Stock onto the highway
A gate is left unlatched at a loading ramp or a crate door fails and cattle get onto a sealed road at night. A collision with a passing vehicle can produce a serious injury and property damage claim against the carrier.
Worth confirming in the wording
- Worth confirming whether stock deaths caused by heat stress, suffocation or trampling, with no accident to the vehicle, fall within the stock in transit wording.
- Worth confirming whether cover applies while animals are in the crate but stationary at a saleyard, depot or overnight spell point.
- Worth confirming how loading and unloading at a producer's ramp is treated, since a lot of stock injury happens there rather than on the road.
Common questions
Does the truck policy cover the animals I am carting?
Generally not. Livestock is normally addressed by specific stock in transit wording rather than by the motor section, and that cover has its own limit, conditions and definitions of what counts as a loss. It is the cover most worth reading carefully, because the animals are usually worth more than the crate.
What happens if my stock cause a road accident after escaping?
Claims from other road users are generally dealt with under the liability section rather than under stock in transit, since the loss is to a third party. Limits should reflect the realistic worst case on the roads you run, which on a highway at night can be substantial. Worth raising escaped stock specifically when limits are being set.
Is effluent spill on the road covered?
Effluent released onto a road can lead to clean-up costs and, in some cases, claims from motorists who lose control on it. Whether that sits inside the liability section, and at what limit, varies between wordings and is worth confirming. Sealed tanks and discharge practices are commonly asked about by underwriters.
What does livestock carrier insurance cost?
It cannot be quoted without the detail. The main drivers are distances travelled and the proportion of unsealed road, the species carried and deck configuration, road train versus single trailer operation, driver experience with livestock work, the stock in transit limit you choose, the excess and claims history.
General information only. Cover, limits and exclusions depend on the PDS, TMD, eligibility, underwriting and the policy terms. See truck insurance for the wider picture.
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General information only. Any cover depends on the PDS, TMD, eligibility, underwriting, and policy terms. We use your details to respond to this enquiry.