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Personal & Business Insurance In Australia

Personal and business insurance can help households, professionals and business owners manage the financial impact of property damage, illness or liability claims. Understanding cover types, excesses and replacement costs can help you identify gaps and weigh costs against protection. Explore our insurance articles, guides, calculators and news ... or connect with an insurance broker from our Australia-wide referral partner network who can discuss your needs and compare available rates and options.

  • Private and Commercial Vehicle Insurance
  • Trades Insurance Considerations
  • Business and Personal Insurance
  • Farm and Livestock Insurance
  • Cyber Liability Insurance

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Insurance Online News

Podcast Cover Image This week: ASIC opens consultation on a tougher, enforceable General Insurance Code of Practice; the ACCCs preliminary view challenges the public benefits of IAGs proposed RAC Insurance acquisition in WA; Australias cyber incidents rise about 20% as AI speeds up attacks; and surveys show households underestimate flood risk while North Queenslanders struggle with affordability. Practical tips: weigh claims service as well as price, watch market competition in WA, tighten cyber basics and consider cover, and check how your policy defines flood.

Public Liability Insurance Calculator

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Explore your public liability insurance needs with our Public Liability Insurance Calculator. Estimate potential cover amounts for your business and explore how different liability risks, business circumstances and coverage assumptions may influence the results.

Looking Beyond the Premium: A Practical Guide to Comparing Insurance Quotes, Exclusions and Broker Options

Looking Beyond the Premium: A Practical Guide to Comparing Insurance Quotes, Exclusions and Broker Options image

Insurance is not just about finding the lowest premium. For Australian households, landlords, sole traders and business owners, the right cover depends on what needs protecting, how risks are assessed and what a policy will actually do at claim time. This practical guide explains common personal, business and commercial insurance covers, how quotes are shaped, and why limits, excesses, exclusions, sub-limits and definitions matter. It also explores underinsurance, specialist risks, broker options and the information worth preparing before comparing quotes. Clear, educational and practical, it helps readers approach insurance decisions with greater confidence.

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    Insurance News

    Lead generation warning sharpens insurance questions
    Lead generation warning sharpens insurance questions
    11 Nov 2026: Paige Estritori
    ASIC’s 9 November 2026 Report 845 has put financial advice lead generation under a brighter regulatory and insurance spotlight, with implications that reach beyond advice licensees to the professional indemnity market that helps protect clients when advice businesses fail to meet their obligations. - read more
    Life Claims Review Puts Communication Back in Focus
    Life Claims Review Puts Communication Back in Focus
    04 Nov 2026: Paige Estritori
    A new Life Code Compliance Committee inquiry has sharpened attention on how life insurers manage longer-running total and permanent disability and income protection claims, finding that earlier information requests and clearer communication could reduce avoidable delays for people already dealing with illness, injury or loss of income. - read more
    Stronger Insurance Code Moves Closer to Approval
    Stronger Insurance Code Moves Closer to Approval
    28 Oct 2026: Paige Estritori
    Australia's general insurance industry has moved a step closer to a more enforceable customer service framework, after the Insurance Council of Australia submitted a strengthened General Insurance Code of Practice to ASIC on 22 October 2026. The redrafted code is not yet in force, but it signals a meaningful shift in how insurer promises on claims, hardship, vulnerability and accountability may operate once approved and transitioned into new and renewed policies. - read more
    What the Cyclone Pool Review Means for Insurance Buyers
    What the Cyclone Pool Review Means for Insurance Buyers
    16 Sep 2026: Paige Estritori
    Australia's cyclone reinsurance pool is again in the spotlight, with a fresh review sharpening attention on whether the scheme is delivering meaningful premium relief for households and small businesses in cyclone-exposed regions. The issue matters well beyond northern Australia, because it sits at the centre of a broader national challenge: how to keep insurance available, affordable and useful as severe weather risk becomes more costly to price. - read more
    Why the Latest Affordability Warning Matters for Insurance Buyers
    Why the Latest Affordability Warning Matters for Insurance Buyers
    19 Aug 2026: Paige Estritori
    Australia’s insurance affordability challenge is again in focus, with fresh industry attention on households and small businesses that are struggling to absorb higher premiums in areas exposed to flood, storm, cyclone and bushfire risk. The latest discussion is not simply about prices rising at renewal time. It points to a broader problem: when cover becomes harder to afford, more people are tempted to reduce protection, raise excesses or walk away from insurance altogether. - read more
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    Insurance Articles

    Understanding Home Insurance Coverage Options in Australia
    Understanding Home Insurance Coverage Options in Australia
    Home insurance can help protect Australian homeowners from the financial impact of damage, loss or liability connected with their property. This guide explains the main coverage options, including building insurance, contents insurance and optional extras, so you can better understand what a policy may and may not cover. - read more
    Life Insurance Options for New Parents in Australia
    Life Insurance Options for New Parents in Australia
    Becoming a parent often changes the way you think about financial security. Life insurance can help new parents plan for mortgage payments, everyday living costs, childcare, education expenses and income replacement if a parent dies, becomes seriously ill or cannot work for an extended period. - read more
    How to Compare Boat Insurance Policies for Your Needs
    How to Compare Boat Insurance Policies for Your Needs
    Boat insurance can help protect a vessel against risks such as accidental damage, theft and liability for damage or injury caused to others. Comparing policies means looking beyond the premium and checking what is covered, what is excluded and how the insurer would value your boat if you needed to claim. - read more
    Business Insurance in Australia: A Practical Guide for Entrepreneurs
    Business Insurance in Australia: A Practical Guide for Entrepreneurs
    Business insurance can help Australian entrepreneurs manage financial risks linked to accidents, property damage, professional services, business disruption and emerging threats such as cyber incidents. This guide explains the main cover types, key policy terms and practical steps for comparing options without treating insurance as a one-size-fits-all decision. - read more
    Business Interruption Insurance for Australian SMEs: How It Works
    Business Interruption Insurance for Australian SMEs: How It Works
    Business interruption insurance is designed to help a business manage the financial impact of a covered disruption that temporarily affects normal operations. For Australian small and medium-sized enterprises, understanding what this cover may include, when it may respond and how claims are assessed can support more informed business insurance planning. - read more

    Knowledgebase
    Elimination Period:
    The time period between an injury and the receipt of benefit payments from an insurer, particularly in disability insurance.

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