Ironbark Group Australia


Do you operate Commercial Marine Vessels? If so, you might need a specialised Liability Insurance or Commercial Marine insurance policy that can provide you with the appropriate protection for your work.

Whether you are a sole trader with a small fishing vessel to a medium to large scale tug and barge operation, we can help you make sure you have the right cover for your business.

We commonly help businesses in the following industries:

  • Tugs & Barges
  • Passenger Ferries
  • Vehicle Ferries
  • Pilot Boats
  • Fishing Vessels
Fishing Vessels

Regular insurance and risk related solutions we assist our clients with within the Commercial Marine industries to help protect you from potential loss in the event of a claim that arises during your normal course of business are:


Marine hull insurance provides material damage cover for commercial vessels engaged in harbour, inland, and coastal operations. It can also be extended to cover damage to machinery, third party liability to passengers or other people’s property, and loss of earnings.

Hull insurance is suited to commercial vessels around the country operating in the transport, tourism, or infrastructure industries, however large or small your vessel, whether it’s a small family-run business or part of a larger fleet.

Hull insurance is designed to cover you for a range of marine events, from lightning strikes to heavy weather damage, or from collision to war risks. Whether your commercial operation is a tourist boat taking passengers out whale-watching or to the Great Barrier Reef; or a work-boat, tug and barge operation carrying materials for infrastructure projects; or a pilot and line handling vessel servicing a port or harbour, our expert team can provide a tailored solution for your vessels.


Public Liability insurance is one of the most common types of business insurances that a variety of different businesses choose to take out. It is there to provide protection if someone makes a claim against You, the business or its employees when damage to third-party property or personal injury has been caused by your business activities.


We understand the importance of making sure you have the right cover for your commercial motor vehicles in place be it sedans, vans or utes used within your operation.

Commercial motor vehicle insurance helps protect your vehicles from accidental theft to damage and has been designed with the common risk exposures of commercial drivers in mind.

We highly recommend business owners consider the benefits of arranging commercial vehicle insurance if they use their cars, trucks and trailers for business purposes.


There are many different types of optional covers with business insurance.

These covers can range from inclusions for Business Property, Theft, Glass Cover, Business Interruption, Money, Machinery Breakdown, Electronic Equipment Breakdown, Tax Audit, General Property and Employee Dishonesty.

Comparing business insurance between different companies can be overwhelming if you’re not sure what to look for.


Downtime Loss of Income cover is an extension of cover that provides financial protection for your business in the event of damage to or theft of your insured machine(s). In most cases, cover can be arranged for either:

  • Loss of Income during the time the machine is repaired (up to a maximum $ per week for a set number of weeks),
  • The costs to hire a temporary machine allowing you to continue to work whilst your machine is fixed, recovered, or replaced, or,
  • The lease or finance costs that are incurred for the machine whilst it is fixed, recovered, or relaced.


Whilst incidental contractual liability insurance may be insured by some liability insurance policies, it often excludes liability that would not have existed without the contract. This exclusion of the included cover generally will make most policies not actually cover any contractual liabilities arising from any contract that you enter into with customers or suppliers.


As the director of a company, you can be held personally liable for decisions you or your staff make on your behalf in the running of your business. These decisions may result in an alleged breach of employment law (harassment, discrimination, bullying, unfair dismissal), trade practices act, environmental protection, or workplace health & safety laws. A directors liability or management liability insurance policy generally protects the company and any innocent parties by paying for defence cover to defend against such allegations against you as a director and / or the business entity.


Professional Indemnity insurance is designed for professionals who provide a specialist service or advice, providing protection for financial loss and legal costs in the event of a claim. This claim may be a result of an actual or alleged negligent act, error or omission whilst providing your professional service or advice.

If someone alleges that you’ve made a mistake, overlooked a critical piece of information, misstated a fact or they have misinterpreted you in the course of your work, and this results in a financial loss for your client, then they may take legal action against you to recover these losses.

Professional Indemnity claims can arise from simple things like:

  • Giving incorrect advice
  • Faulty designs
  • A miscalculation
  • Incorrect diagnosis or treatment
  • An act, omission or breach of duty
  • Engaging in misleading or deceptive conduct
  • Loss of documentation
  • Inadvertently defaming someone
  • Failing to meet a deadline
  • Not meeting your clients expectations

Professional Indemnity insurance is designed to protect the assets and reputation of your business in the event of a claim.


As a Civil Contractor or Earthmoving Operator, you may be responsible for environmental cleanup costs associated with a contamination that may arise from work that you undertake whilst on site.

Whilst some public liability policies do provide ‘pollution liability’ they are often restricted to a sudden and unforeseeable release of contaminants, such as a diesel tank impacted by an excavator suddenly leaks provided such impact wasn’t a foreseeable event. As a result of the limitations in a public liability policy and the potential for significant contamination cleanup costs, it is possible to insure for your environmental liability insurance as a Mining Services Contractor.


Trade Credit Insurance provides cover for your unsecured debtors in the event that your debtor becomes insolvent or unable to pay their debt to you whilst within your credit terms. The policy can provide up to 90% of the outstanding income owed to you. This is not a type of invoice factoring but an insurance policy that responds to one specific debtor if they are unable to pay. This will be particularly important if you choose to wholesale your goods to other business providing them with credit terms in which to make a payment after they have placed their order.

For some savvy business owners, this type of insurance can be used to help them grow by underwriting the risk associated with supplying to large corporate customers who require credit terms often at 90 days end of month as part of their conditions to supply. This type of insurance helps reduce the risk that this new large customer won’t make payment when the time comes.

There are of course other policies that may be suitable for your business. Whilst the above policies are commonly taken, we also understand that no two businesses are the same. We will help you understand what cover you should consider may be appropriate for your business.

To discuss your specific insurance needs further, please call us directly on 1300 677 449 or fill out your details below and we will be in touch shortly.

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