Commercial Transport Cover
For operators carrying passengers for hire or reward
Commercial Transport Insurance
Commercial transport operators carrying passengers for hire or reward have specific insurance obligations under NZ law. Standard vehicle insurance is insufficient — commercial operators need policies that specifically cover passenger liability, commercial use endorsements, and often additional public liability cover. Whether you operate airport shuttles, corporate transfers, or scheduled routes, our specialist brokers can source the right cover.
Key Features
Frequently Asked Questions
What is hire and reward insurance?
Hire and reward cover is a commercial endorsement required when you charge passengers for transport. Standard private vehicle insurance explicitly excludes commercial passenger use.
Do I need a transport service licence in addition to insurance?
Yes, the NZ Transport Agency (Waka Kotahi) requires a Transport Service Licence for most commercial passenger operations. Insurance and licensing are separate requirements.
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