Commercial Motor Fleet
Commercial Fleet Insurance
Construction Insurance
Healthcare Insurance
Life Science Insurance
Retail Sector Insurance
Transportation Insurance
All States
No
- Fully Comprehensive
- Public Liability
- Third-Party Damage
- manufacturing
- traffic management
- transport - subject to referral (ultra or short haul)
- construction - light vehicles only
- electrical / plumbing trade
- healthcare
- retail trade
- sedan fleets (all types)
- light goods carrying fleets - up to 5 tonne
- mixed fleet with sedans, vans, utes, goods carrying vehicles and some plants
- fleets across a range of industries including:
- fleets with good risk management / claims experience
Product Overview
Commercial Motor Fleet by ProRisk Underwriting Pty Ltd is built for businesses running fleets of 10 or more vehicles. It suits SME through to large corporate fleets that need one policy for mixed vehicles across multiple sites.
The policy can cater for sedans, vans, utes, 4WDs, light goods vehicles, and some plant within a single schedule. It focuses on fleets across manufacturing, traffic management, construction, trade, health, retail, wholesale, and transport subject to referral.
Cover includes fully comprehensive options, public liability, and third‑party damage for commercial fleets on Australian roads. Limits and structure are designed for business use rather than personal motor, with attention on claims history and risk management.
Key features include towing, emergency repairs, keys and locks, and new vehicle replacement on qualifying vehicles. Legal liability, finance payout, driver’s personal property, newly acquired vehicles, windscreen benefits, and novated lease cover support everyday fleet operations.
About Commercial Motor Fleet by ProRisk Underwriting Pty Ltd
Fleets can be managed on acquisition and deletion or annual adjustment terms to match changing vehicle numbers. Brokers can use these options to align reporting, premiums, and excess structures with client preferences.
Online quote and bind is available through ProBind for suitable fleets, with proposal forms and wordings supporting more complex cases. Brokers wanting to discuss appetite or structure for Commercial Motor Fleet by ProRisk Underwriting Pty Ltd can simply use the page contact tools like the ‘Contact Underwriter for Quote’ option or follow the product links.
Commercial Motor Fleet by ProRisk Underwriting Pty Ltd FAQs
What types of coverage are included in the policy?
The policy offers full cover for fleet vehicles, plus public liability and third‑party damage for business use rather than private trips. Beyond the core sections, features include towing, emergency repairs, keys and locks, legal liability, driver’s personal property, new vehicle replacement, finance payout, excess‑free windscreen cover for lighter vehicles, and recognition of novated leases.
Which industries can benefit from the Commercial Motor Fleet by ProRisk Underwriting Pty Ltd?
This product supports fleets across manufacturing, traffic management, construction light vehicles, electrical and plumbing trades, healthcare, retail, wholesale, and some transport risks on referral. For brokers thinking in broader commercial fleet insurance terms, this mix of sectors allows one fleet program across related group entities, while those wanting a wider view can consider the Commercial Fleet Insurance category alongside this specific ProRisk product.
How can ProRisk’s commercial motor fleet cover respond when fleets operate across manufacturing, trade, and retail within one group?
Commercial Motor Fleet by ProRisk Underwriting Pty Ltd supports mixed fleets with sedans, vans, utes, 4WDs, light goods vehicles, and some plant on a single schedule, making it easier to cover vehicles used across multiple industries under one policy. Premium and declarations can be managed on an acquisition and deletion basis or through annual adjustment with a rate adjustment at expiry, helping group clients keep one fleet structure even when different business units use vehicles differently.
What risk management features can support clients placing Commercial Motor Fleet by ProRisk Underwriting Pty Ltd?
The product highlights fleets with good risk management and solid claims experience as a target profile, which underlines the value of clear fleet procedures, driver policies, and well‑maintained vehicles. Features like no‑fault excess treatment, windscreen benefits for lighter vehicles, and new vehicle replacement can work well for better run fleets and support a long‑term relationship with ProRisk.
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