5/5 - (1 vote)

For many individuals, trailers are a must-have vehicle. Regardless of whether you possess a large trailer for transporting horses, a utility trailer for carrying equipment for a lawn care business, or a cargo trailer for hauling tools, you are at risk of potential collisions while driving with your trailer in tow. You may be wondering if your insurance policy covers liability if your trailer causes damage to property or bodily injury to others. If your vehicle insurance policy does not provide this coverage, you need to opt for trailer insurance coverage to stay fully protected. Working with a trailer insurance broker can help you find the best coverage for your needs.

The Need for Trailer Liability Insurance Coverage

Accidents involving vehicles towing trailers are quite common. These large and heavy trailers can cause significant damage to property and other injuries when involved in collisions with other vehicles or objects. Wrongly judged turns, potential collisions while backing up, and clipped cars during lane changes are some of the most common trailer mishaps that lead to potential liabilities for the driver. A trailer insurance broker can help you navigate these risks by securing the right insurance policy.

What is Trailer Liability Insurance?

Trailer liability insurance offers coverage for damages and injuries caused by different types of trailers, including horse trailers, boat trailers, utility trailers, and more. This type of insurance may also cover legal fees if someone files a lawsuit against you in the event of an accident. If you operate a trailer for commercial purposes, then commercial liability coverage can help protect your business in case of a lawsuit. A trailer insurance broker can provide you with expert advice and options tailored to your specific needs.

Coverage Offered

Trailer insurance provides coverage for the following scenarios up to the policy limit in the event of a covered collision:

  • Damage to Property: If your trailer collides with another object or vehicle or causes damage to another person’s property, this insurance policy will provide compensation.
  • Bodily Injuries: If your trailer is responsible for injuries caused to another individual, your insurance policy will cover medical expenses and rehabilitation costs.
  • Legal Fees: If you are sued for damages or injuries resulting from a covered incident, your trailer liability insurance will cover legal defense and court fees.

A trailer insurance broker can help you understand these coverages and ensure you have the right protection in place.

Why Work with a Trailer Insurance Broker?

A trailer insurance broker offers several advantages:

  • Expert Guidance: Brokers have extensive knowledge of insurance products and can help you find the best policy.
  • Tailored Coverage: Brokers can customize insurance solutions to fit your unique needs and risks.
  • Competitive Rates: By comparing policies from multiple insurers, brokers can help you secure the most competitive rates.

Finding the Right Trailer Insurance Broker

When choosing a trailer insurance broker, consider the following tips:

  • Experience: Look for a broker with experience in trailer insurance to ensure they understand the specific risks and coverage options.
  • Reputation: Check reviews and ask for recommendations to find a reputable broker.
  • Service: Choose a broker who offers excellent customer service and is readily available to assist with your insurance needs.


In conclusion, trailer insurance provides peace of mind by offering comprehensive coverage for various risks associated with towing trailers. Whether you own a horse trailer, boat trailer, or utility trailer, having the right insurance is essential. A trailer insurance broker can help you navigate the complexities of insurance policies and find the best coverage for your needs.

For more information or to enquire about trailer insurance, Truck Insurance HQ can help you with all your insurance needs. Call our office on 1300 815 344 or go online to request a quote.