Flatbed Truck Insurance
An open deck means the load is only ever as secure as the restraint holding it, and everything about insuring a flatbed follows from that. The claims that hurt are not collisions, they are loads that moved.
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What flatbed trucks insurance covers
Restraint Failure Is Assessed as Loading, Not Driving
When a load shifts or comes off, insurers and regulators ask how it was restrained rather than how it was driven. A failure traced to inadequate restraint can reduce or decline a claim, and it is a Chain of Responsibility matter as well as an insurance one.
Damage You Cause Behind You
A load leaving an open deck at highway speed is a public liability event, potentially a catastrophic one. This is the section to size properly on a flatbed, more so than on an enclosed truck where the freight physically cannot escape.
Weather Reaches the Freight
On an open deck the load is exposed unless it is tarped, and water damage to freight is a carriers liability claim you will be asked to explain. Tarping practice is worth describing at quote time because it distinguishes you from operators who do not.
Oversize and Overhang
Flatbeds carry the loads that do not fit anywhere else. Oversize work brings permits, pilots and different liability, and running oversize on a policy written for general freight is a disclosure gap. Say so if it is part of the mix.
Straps, Chains, Gates and Tarps
Restraint equipment is consumable, expensive and frequently stolen off a parked truck. It is small next to the vehicle but it is what makes the truck legal to load, so it is worth scheduling rather than absorbing.
Cover, limits and examples shown are general in nature and subject to eligibility, underwriting and the terms of the issued policy.
Reviews are for Stonewell Insurance, the business behind Truckie Cover. Authorised Representative of McLardy McShane Partners Pty Ltd (AFSL 232987).
What insurance does a flatbed truck need?
Am I covered if the load falls off?
Is freight damaged by rain covered on an open deck?
Do I need to tell my insurer about oversize loads?
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Truckie Cover is a trading name of Stonewell Insurance Pty Ltd (ABN 23 645 965 699), Corporate Authorised Representative No. 1285612 of McLardy McShane Partners Pty Ltd (ABN 14 064 465 309, AFSL 232987).