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    Business Insurance Articles

    5 Tips for Reducing Your Liability Insurance Premiums in Australia
    5 Tips for Reducing Your Liability Insurance Premiums in Australia
    Liability insurance is a crucial form of protection that offers coverage against claims resulting from injuries and damage to people or property. Within the bustling landscape of Australian businesses, possessing this form of insurance is key to financial security and continuity. It acts as a safety net, ensuring businesses can manage risks without bearing the full brunt of potentially costly legal claims. - read more
    Types of Liability Insurance in Australia: Public Liability, Professional Indemnity and Product Liability Explained
    Types of Liability Insurance in Australia: Public Liability, Professional Indemnity and Product Liability Explained
    Liability insurance can cover different business risks depending on whether a claim involves third-party injury, property damage, professional advice or products supplied. This guide explains the main types of liability insurance in Australia and how they differ. - read more
    Public Liability Insurance for Events: What Organizers Need to Consider
    Public Liability Insurance for Events: What Organizers Need to Consider
    Public liability insurance is a type of coverage designed to protect businesses and individuals from the financial fallout associated with claims for injury or damage caused to third parties. It is particularly crucial for event organizers, who are responsible for ensuring the safety and security of attendees, vendors, and participants. - read more
    The Importance of Public Liability Insurance in the Australian Labour Hire Industry
    The Importance of Public Liability Insurance in the Australian Labour Hire Industry
    The Australian labour hire industry has seen a significant rise in recent years, and with this growth, comes new and unique risks that companies in this industry must be prepared to navigate. One such risk is the potential for accidents or damages to occur in the workplace, which is where public liability insurance comes in. This article will explore the definition of public liability insurance and why it is so important for labour hire companies in Australia. - read more
    Is Liability Insurance Mandatory in Australia?
    Is Liability Insurance Mandatory in Australia?
    Liability insurance is not automatically mandatory for every Australian business, but it can be required by law, licence conditions, contracts, leases, tenders, professional rules or event permits. This guide explains when cover may be compulsory and how to check your obligations. - read more

    Insurance News

    What NSW Emergency Services Levy Reform Could Mean for Strata Communities
    What NSW Emergency Services Levy Reform Could Mean for Strata Communities
    01 Aug 2026: Paige Estritori
    New South Wales strata communities should keep a close watch on renewed efforts to reform the way emergency services are funded through insurance premiums. The long-running concern is that adding emergency services charges to insurance bills can make cover look more expensive, particularly for apartment buildings, mixed-use schemes and larger owners corporations already managing high rebuilding values and complex risk profiles. - read more
    Insurance Complaints Put Claims Preparation Back in Focus
    Insurance Complaints Put Claims Preparation Back in Focus
    01 Aug 2026: Paige Estritori
    The Australian Financial Complaints Authority’s latest reporting has again highlighted insurance as a major source of disputes, with claim delays, communication breakdowns and disagreements over policy outcomes remaining common pressure points. For domestic and home service businesses, the message is practical: the strength of a policy is often tested not when it is bought, but when a claim is made. - read more
    What Storm Claims Teach Freelancers About Cover
    What Storm Claims Teach Freelancers About Cover
    01 Aug 2026: Paige Estritori
    The insurance fallout from Ex-Tropical Cyclone Alfred is a timely reminder that severe weather is not just a household issue. For Australian freelancers, consultants and sole traders, a storm can interrupt work, damage essential equipment, delay client delivery and expose gaps in cover that only become obvious at claim time. - read more
    Why Trainers Should Recheck Cover as Costs Rise
    Why Trainers Should Recheck Cover as Costs Rise
    01 Aug 2026: Paige Estritori
    Fresh industry commentary on business underinsurance is a timely reminder for personal trainers, fitness instructors and small studio owners to look beyond the headline price of a policy. While parts of the commercial insurance market have become more competitive, rising replacement costs and changing business models can still leave fitness operators exposed if their cover has not kept pace. - read more
    What APRA’s Latest Numbers Mean for Life Insurance Buyers
    What APRA’s Latest Numbers Mean for Life Insurance Buyers
    01 Aug 2026: Paige Estritori
    The latest quarterly life insurance performance update from APRA points to a sector that appears more stable than it was during the difficult income protection years, but still faces the familiar challenge of keeping cover sustainable and affordable for Australian households. - read more

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    Loss Ratio:
    The ratio of claims paid by an insurer to the premiums earned, used as a measure of profitability.