Comprehensive Truck Insurance for Multiple Vehicles
Running a trucking business means managing more than just deliveries and drivers, it means protecting your entire operation. Whether you have two trucks or a growing fleet, insuring each vehicle separately can be costly and time-consuming. That’s where Morgan Insurance Brokers comes in. We help Australian transport operators secure tailored multi-truck insurance policies that simplify cover, reduce admin, and save money.
What Is a Multi-Truck Insurance Policy?
A multi-truck insurance policy (also known as a fleet policy) allows you to insure several trucks under one combined policy. Instead of juggling multiple renewal dates and premium payments, everything is consolidated, making your insurance easier to manage and often more affordable.
This type of policy is ideal for:
- Transport and logistics companies
- Owner-operators expanding to multiple vehicles
- Businesses with delivery, construction, or service fleets
Access to a Large Panel of Truck Insurers
At Morgan Insurance Brokers, we have access to a wide panel of leading Australian truck insurers. That means we’re not tied to one provider, we can compare multiple options to find the right balance of cover, price, and flexibility for your business.
Our broker network includes specialist truck and fleet insurers, giving you access to competitive rates and comprehensive protection that standard insurers often can’t offer.
Information We Need to Provide a Quote
To tailor an accurate quote for your multi-truck insurance policy, we’ll need some basic information, including:
- Number of trucks in your fleet
- Vehicle details (make, model, year, and usage)
- Type of goods carried or services provided
- Radius from base
- Driver history and experience
- Current insurance details
Providing this information helps us find the most suitable coverage at the most competitive rate from our panel of insurers.
Our Ongoing Services and Support
Your partnership with Morgan Insurance Brokers doesn’t stop once your policy is in place. We offer ongoing support to help you manage and grow your business safely and confidently:
- Annual policy reviews to ensure you always have the right level of cover
- Claims assistance - we’ll handle the process from start to finish. Learn how we streamline claims in “Why Every Business Needs an Insurance Broker”
- Advice and updates on industry changes and compliance requirements
- Flexible policy adjustments if your fleet grows or your operations change
We’re here to help you stay protected, compliant, and cost-efficient all year round.
How We Can Help You Save Money
As a trusted insurance broker, our goal is to find the best possible value for your truck insurance. Here’s how we do it:
- Comparing quotes from multiple truck insurers
- Identifying discounts for safe driving and low claims history
- Structuring your policy to minimise unnecessary cover
- Advising on excess levels and coverage options that suit your risk profile
With our market access and experience, you can be confident you’re getting comprehensive protection at the right price.
Partner with Morgan Insurance Brokers
Managing a trucking business is complex, but your insurance doesn’t have to be. Let Morgan Insurance Brokers handle the hard work of finding, negotiating, and managing your multi-truck insurance policy.
Get in touch today for a no-obligation quote and find out how we can help protect your fleet and save you money.
Do I Need Workers Compensation If I Work Alone?
As a business owner, figuring out your insurance obligations can be confusing, especially when you’re working solo or with a small team. One question we hear often is: “Do I need workers compensation insurance if I work alone?” The short answer: It depends on your business structure, whether you have employees (including apprentices/trainees), and which state or territory you operate in.
I am a sole trader that has employees or uses subcontractors — do I need it?
If you decide to hire someone under your ABN, such as an employee, apprentice, or even a subcontractor who is legally classified as a “worker” under your state’s legislation, you may then be required to take out a workers compensation policy. This applies even if the person isn’t technically on your payroll, in many cases, certain contractors are deemed to be workers for the purpose of workers compensation, which means you could still be legally responsible for their cover.
What about a sole trader working alone — do I still need it?
If you’re operating completely on your own with no employees or deemed workers, you generally won’t need workers compensation for yourself. But that doesn’t mean you’re fully protected. As a sole trader, you’re still personally exposed if you suffer an injury or illness that prevents you from working. That’s why it’s essential to consider alternative insurance options, such as income protection, or public liability cover. These types of policies can provide financial protection and peace of mind, helping you stay afloat if something unexpected happens, even when you’re not legally required to have workers compensation.
Other Business Structures and Workers Compensation
While sole traders often wonder whether they need workers compensation, the answer can be different if your business operates under a Pty Ltd, partnership, or another structure. Each type of business entity carries its own responsibilities and legal obligations when it comes to insuring workers.
Pty Ltd Companies
If your business operates as a proprietary limited company (Pty Ltd), it is recognised as a separate legal entity. This means the company, not you personally, employs staff — even if you are the sole director or shareholder. In most states, once you or your company begin paying wages (including director payments under PAYG), workers compensation insurance becomes mandatory. This ensures that anyone working for the company, including directors, is covered if they are injured at work. You can read more about employer obligations in our article on Workers Compensation Insurance.
Partnerships
If your business is structured as a partnership, workers compensation may also apply depending on whether you employ staff. While partners themselves are not considered “workers” and can’t claim against the partnership, any employees hired by the partnership must be covered under a workers compensation policy. Additionally, some contractors may be considered “deemed workers,” which could create an obligation for coverage.
No matter your structure, the key rule remains: if anyone other than you is working in the business and earning income under your ABN, you likely need workers compensation.
Working Directors
If you’re a working director in a company or an active partner in a partnership, your workers compensation obligations — and entitlements — can get a little more complex. It all depends on how you’re paid, the nature of your role, and the laws in your state or territory.
Pty Ltd Companies – Working Directors
In a Pty Ltd company, directors are generally considered separate from the company itself. The company is the legal employer, even if you’re the only person running it.
If you’re a working director who draws a PAYG wage, you’re technically an employee of your own company. This means that in many states, you may need to be included in your company’s workers compensation policy. Some jurisdictions automatically include working directors under the company’s coverage, while others require them to be specifically nominated in the policy.
For example, in Queensland, directors are not automatically covered under workers compensation, they must opt in and request inclusion on the company’s policy. In New South Wales, directors who receive wages are typically required to be covered. Because these rules vary so much, it’s important to check with your state authority or consult a broker who can clarify your obligations.
Partnerships – Active Partners
In a partnership, the situation is different. Partners are considered joint owners of the business, not employees, which means partners themselves are not covered by workers compensation. However, if your partnership employs staff (such as administrative assistants, tradespeople, or apprentices), the partnership is legally required to hold a workers compensation policy to protect those employees.
Even though partners can’t usually insure themselves under workers compensation, they should still consider alternative personal cover, such as income protection, personal accident and illness insurance, or business expenses cover. These can provide similar financial protection if you’re injured or unable to work. You can learn more about suitable options for small business owners in our Sole Trader Insurance guide.
Why It Matters
Many working directors and partners assume that if they’re not hiring external employees, they don’t need any form of workers compensation but that’s not always true. Once you start paying yourself through your company or take on any staff, you could fall under the definition of an employer and become subject to mandatory coverage laws.
If you’re unsure whether you or your business structure requires a workers compensation policy, Morgan Insurance Brokers can help you navigate your obligations and find the right protection. Our team will review your setup, clarify state-based requirements, and ensure that both you and your workers are properly insured.
How Morgan Insurance Brokers can help
At Morgan Insurance Brokers, we explain that workers compensation insurance is mandatory for businesses that employ staff, but the specific requirements differ from state to state. Our team can guide you through these variations and help ensure your policy aligns with your local laws.
For sole traders, our Sole Trader Insurance article highlights that even if you’re self-employed, you may still need workers compensation if you hire employees or subcontractors who fall under the legal definition of “workers.” This is a common point of confusion for small operators, and it’s something we can help clarify.
If you’re running a small business or planning to hire your first employee, our blog on What Insurance Do I Need for My Small Business? outlines the key policies every business owner should consider, from workers compensation to public liability and professional indemnity.
We take the time to understand your industry, risks, and goals, then tailor an insurance program that fits your budget and provides the right level of cover.
So if you’re unsure about your workers compensation obligations, or simply want to make sure you’re properly protected, reaching out to Morgan Insurance Brokers is a smart next step. We’ll help you navigate state-based requirements, compare options, and secure the right insurance to protect your livelihood.
Finding Insurance After Insolvency or Liquidation
When a Business Faces Insolvency
The Challenge: Getting Insurance After Insolvency or Liquidation
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Declined insurance quotes from mainstream insurers
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Inability to renew existing policies after insolvency
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Higher premiums due to past financial issues
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Difficulty getting cover for new ventures started by former directors of insolvent businesses
The Solution: Specialist Cover Through Morgan Insurance Brokers
At Morgan Insurance Brokers, we understand that insolvency doesn’t define your future. Our team works with specialist underwriters who look beyond financial setbacks to consider your business’s full story.
By providing context around your financial position, demonstrating improved management practices, and showing your commitment to stability, we’re often able to secure cover for previously declined businesses, even when others can’t.
We’ve successfully helped many clients in similar situations obtain essential policies, including:
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Public and Product Liability Insurance
Even after a business has faced insolvency, affordable and realistic insurance options are available to help you rebuild and move forward confidently with the right protection in place.
Why Choose Morgan Insurance Brokers
When other brokers or insurers say “no,” we find a way to say “yes.”
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Access to non-standard markets and specialist underwriters
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Tailored policies for high-risk or previously insolvent businesses
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Guidance and support to rebuild your insurance history
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Transparent communication every step of the way
Moving Forward After Insolvency
The Best Insurance Broker Brisbane Has to Offer
Your Trusted Insurance Partner in Brisbane
Why Morgan Insurance Brokers Are Brisbane’s Top Choice
Here’s why Morgan Insurance Brokers stands out as the best insurance broker Brisbane can offer:
1. Independent, Unbiased Advice
2. Local Expertise That Matters
3. Tailored Coverage for Every Need
4. Personalised, Ongoing Service
Comprehensive Range of Insurance Services
Business Insurance
Their expertise covers:
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Public Liability Insurance
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Professional Indemnity
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Business Interruption Insurance
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Property & Equipment Cover
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Commercial Vehicle and Fleet Insurance
Personal Insurance
Morgan Insurance Brokers offers:
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Home & Contents Insurance
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Motor Vehicle Insurance
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Landlord Insurance
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Travel Insurance
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Life and Income Protection
Specialty Insurance
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Construction & Trades Insurance
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Hospitality & Retail Insurance
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Cyber Risk Protection
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Marine & Transport Insurance
The Morgan Difference: What Makes Them the Best Insurance Broker in Brisbane
✅ Transparent pricing – no hidden fees or confusing terms
✅ Friendly, experienced brokers – with decades of combined expertise
✅ Proactive support – regular policy reviews to ensure ongoing suitability
Serving Brisbane and Beyond
Customer Testimonials
“Morgan Insurance Brokers went above and beyond to find the perfect business insurance package for us. Their knowledge and service are unmatched!”
— David P., Brisbane Business Owner
“They explained everything in plain language and saved me hundreds on my home insurance. I wouldn’t go anywhere else.”
— Samantha L., New Farm Resident
How to Get Started with Morgan Insurance Brokers
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Request a Consultation – Discuss your needs with a qualified broker.
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Receive Tailored Recommendations – Explore options across multiple insurers.
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Get Covered – Enjoy peace of mind knowing you’re properly protected.
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Ongoing Support – They’ll continue to monitor and review your policy over time.
Brisbane’s Most Trusted Insurance Experts
The 6 Essential Insurances Every Café and Restaurant Needs
Running a café or restaurant is rewarding, but it also comes with unique risks. From hot kitchens and busy dining floors to valuable stock and specialised equipment, one unexpected event could disrupt your entire operation. That’s why insurance isn’t just a checkbox, it’s the foundation of a secure, thriving business.
At Morgan Insurance Brokers, we help hospitality owners find the perfect balance between comprehensive protection and competitive pricing. Here’s a breakdown of the six most important types of insurance for cafés and restaurants, and real-world examples of how they protect your livelihood.
1. Fire Insurance – Safeguarding Your Physical Assets
Why it’s essential:
Kitchens are high-risk environments. Open flames, electrical appliances, and flammable cooking oils make fires one of the most common causes of loss in the hospitality industry. Fire insurance covers the cost of repairing or replacing your building, fit-out, furniture, and equipment if a blaze occurs.
Example scenario:
A grease fire spreads through the kitchen overnight, damaging appliances and the dining area. Fire insurance covers repair and rebuild costs, helping you reopen sooner without devastating financial loss.
2. Public Liability Insurance – Protecting You from Customer Claims
Why it’s essential:
When serving the public, accidents can happen at any time. Public liability insurance protects you if a customer, supplier, or visitor is injured or their property is damaged while on your premises.
Example scenario:
A customer slips on a freshly mopped floor and breaks their wrist. Your policy covers medical expenses and legal costs if they make a claim against your business.
3. Workers Compensation – Caring for Your Team
Why it’s essential:
If you employ staff, workers compensation insurance is legally required in Australia. It covers medical expenses, rehabilitation, and lost wages if an employee is injured or becomes ill due to their work.
Example scenario:
A chef suffers a burn while cooking. Workers compensation insurance covers their treatment and time off work, ensuring they’re looked after while protecting your business from potential legal action.
4. Business Interruption Insurance – Keeping Cash Flowing When You Can’t Trade
Why it’s important:
Even if your property is insured, the time it takes to rebuild or restock can hurt your income. Business interruption insurance covers lost profits and ongoing expenses during downtime caused by insured events like fire or storm damage.
Example scenario:
After a kitchen fire, your café closes for three months. Business interruption insurance covers rent, wages, and lost profits, helping you stay afloat until reopening day.
5. Theft Insurance – Protecting Against Burglary and Vandalism
Why it’s important:
Cafés and restaurants often hold valuable stock, cash, and electronics that can attract thieves. Theft insurance helps you recover from losses due to burglary, break-ins, or employee theft.
Example scenario:
Your café is broken into overnight and the till, laptop, and liquor stock are stolen. Theft insurance covers the cost of replacement and repair of damaged doors and windows.
6. Machinery Breakdown Insurance – Covering Your Equipment Lifeline
Why it’s important:
Your espresso machines, fridges, and ovens are the heart of your business. If one breaks down unexpectedly, the cost of repair and the impact on service can be huge. Machinery breakdown insurance covers sudden, accidental mechanical or electrical failure.
Example scenario:
Your coffee machine fails during the morning rush. Machinery breakdown insurance covers repair costs and can even include spoilage cover for perishable goods in your fridge or freezer.
How Morgan Insurance Brokers Helps You Find the Right Cover
At Morgan Insurance Brokers, we understand that no two hospitality businesses are the same. We take the time to:
- Assess your risks – identifying what protection you really need.
- Compare multiple insurers – ensuring you get the most competitive pricing.
- Customise your cover – balancing affordability with robust protection.
- Provide ongoing support – handling claims quickly and efficiently so you can focus on serving your customers.
Whether you’re a small local café or a bustling restaurant, we’ll help you find the right mix of insurance policies to keep your business safe, compliant, and profitable.
Ready to protect your café or restaurant?
Contact Morgan Insurance Brokers today for a free, no-obligation insurance review of your insurances as hospitality insurance experts, and discover how the right cover can give you peace of mind without paying more than you need.
Can Caravan Park Recreational Activities Be Covered by Insurance?
Running a caravan park means offering guests not just a place to stay but memorable experiences. From jumping pillows and pedal karts to waterslides, flying foxes, kayaks, and boat ramps, these recreational activities are what make your park stand out.
The good news? Yes, all these activities can be covered under caravan park insurance.
What Can Be Covered
Caravan park insurance can include protection for:
- 🏰 Jumping pillows and playgrounds — ensuring safety coverage for children’s play equipment.
- 🚴 Pedal karts and equipment hire — liability cover for guest use and equipment management.
- 💦 Waterslides and swimming areas — coverage for water-based attractions.
- 🪂 Flying foxes and adventure equipment — cover for supervised thrill activities.
- 🚤 Kayaks, boat ramps, and watercraft hire — liability and damage cover for on-water recreation.
Every park is unique, so coverage should be tailored to your attractions and operations.
Why Choose Morgan Insurance Brokers
At Morgan Insurance Brokers, we understand that no two caravan parks are the same. That’s why our team is always reviewing and negotiating with caravan park insurers to secure the best possible cover and inclusions for your park.
We take the time to assess your facilities and recreational offerings to ensure every aspect, from your playground to your kayak fleet is protected. Our brokers have strong relationships with specialist insurers who understand the caravan park industry inside and out.
Protect Your Guests, Staff, and Business
Having comprehensive insurance isn’t just about ticking a compliance box — it’s about peace of mind. With tailored caravan park insurance, you can operate confidently knowing that your recreational activities and equipment are covered against unexpected events or liability claims.
Talk to the Caravan Park Insurance Specialists
If you’re not sure whether your current policy includes all your recreational activities, contact Morgan Insurance Brokers today. We’ll review your policy, identify any gaps, and ensure your caravan park is fully protected so you can focus on giving guests the best possible experience.
Why Your Turnover Matters for Public Liability Insurance
If you’ve ever filled out a public liability insurance form and seen the question about your annual turnover, you’ve probably wondered:
“Why do they even care how much money I make?”
It’s a really common question and as an insurance broker, let me explain why it’s actually a big deal and Why Your Turnover Matters for Public Liability Insurance.
Turnover = Activity, Not Profit
When insurers ask about your turnover, they’re not being nosy about your profits. They’re using it to understand how busy your business is.
More turnover usually means:
- More customers or clients
- More jobs or contracts
- More interaction with the public
And with all that extra activity comes one simple thing: more opportunities for things to go wrong.
A tradie doing five big jobs a week is exposed to more risk than one doing one or two. Same goes for cafes, salons, or consultants. The more you do, the more the insurer needs to account for potential claims.
How Turnover Affects Your Premium
Insurance premiums are based on risk.
If your business is busier, insurers assume there’s a higher chance something might happen, like property damage or someone getting hurt.
That’s why turnover is a key pricing factor.
It doesn’t mean they’re punishing success, it’s just about making sure your cover matches the scale of your operations.
Don’t Be Tempted to Understate It
It might be tempting to think, “If I just put my turnover a little lower, maybe my premium will be cheaper.”
I totally get it because no one wants to pay more than they have to!
But the thing is, your turnover helps make sure your insurance actually fits your business. If it’s way off, it can make things messy later on if you ever need to make a claim.
While it’s not common for things to go wrong, being accurate just keeps everything straightforward and avoids any awkward back-and-forth with the insurer down the track.
A quick chat with your broker can make sure your numbers make sense and your cover stays spot on.
What You Should Do
Be as accurate as possible. If your turnover fluctuates, use your best estimate based on last year’s numbers and what you expect this year.
And if things change during your policy such as your business grows faster than expected, just let your broker know. We can adjust your cover so you’re still properly protected.
The Bottom Line
Turnover isn’t about judging your income it’s about understanding your exposure.
Being upfront protects you and ensures your insurance will actually do its job when you need it most.
At the end of the day, honesty with your broker means peace of mind for you.
Understanding Cyclone Insurance Cover for Caravan Parks
Understanding Cyclone Insurance Cover for Caravan Parks is crucial for your insurance as parts such as Northern Australia are no stranger to cyclones. From Queensland’s tropical coastline to the Top End and Western Australia’s north-west, severe weather events can cause devastating damage to caravan parks destroying cabins, uprooting trees, and leaving operators facing costly repairs and lost income.
Having the right cyclone insurance cover isn’t just a safety net, it’s essential protection for your business, your guests, and your financial future.
Why Cyclone Insurance Is Crucial for Caravan Parks
Cyclones bring destructive winds, torrential rain, and flooding, all of which can cause extensive damage to caravan park infrastructure. Caravan parks, with their combination of fixed buildings, cabins, and relocatable dwellings, face unique exposure.
A comprehensive policy that includes cyclone cover can protect you from:
- Property damage which includes damage for your cabins, amenities blocks, fences, and signage
- Loss of income which is called Business Interruption Insurance if your park must close after a cyclone
- Debris removal and cleanup cost
Without adequate cover, recovery can take months, or even years.
Cyclone Cover in Northern Queensland
If you operate a caravan park in Northern Queensland, you’ve likely already discovered that cyclone insurance can be difficult to obtain. Insurers often see the region as high risk due to the frequency and severity of past events.
As a result:
- Some insurers won’t offer cover at all for cyclone-prone postcodes.
- Others may provide limited coverage but with very high excesses, sometimes tens of thousands of dollars.
- Flood and storm surge cover might be excluded or restricted unless negotiated separately.
This can leave park owners frustrated and unsure how to find reliable protection for their business.
How Morgan Insurance Brokers Can Help
That’s where Morgan Insurance Brokers make a difference.
With deep experience in caravan park insurance across Northern Australia (and nationwide), Morgan Insurance Brokers understand the challenges of securing cover in cyclone-prone areas. Their team works directly with a range of specialist insurers and underwriters who are willing to provide tailored solutions even when others won’t.
Why Choose Morgan Insurance Brokers?
- Access to niche markets: They can approach insurers not always available to the public.
- Personalised advice: They assess your park’s unique location, structures, and risk profile.
- Tailored coverage: They negotiate cyclone and flood cover options to suit your budget and needs.
- Support when it matters: In the event of a claim, they guide you through every step of the process.
Morgan Insurance Brokers don’t just find you an insurance policy, they help you secure peace of mind during Australia’s most volatile weather seasons.
Final Thoughts
Cyclone insurance can be challenging and expensive to obtain in Northern Queensland but it’s also one of the most critical protections for caravan park owners.
By working with Morgan Insurance Brokers, you gain access to expert guidance, broader insurer options, and the reassurance that your business will be supported through every stage from policy selection to post-cyclone recovery.
Before the next storm season begins, speak with Morgan Insurance Brokers about your caravan park’s cyclone cover. A short conversation today could save you months of stress and thousands of dollars down the track.
