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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.

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Podcast Cover Image This weeks wrap covers Australias new ban on using adverse genetic test results in life insurance, a landmark $2m court penalty against Hollard for claim handling failures, a $1.35m cyber‑security penalty highlighting SME cyber risks, and Suncorp data showing storm hotspots shift across states. Listeners are urged to compare cover thoughtfully, keep good claim records, strengthen cyber basics, and review sums insured and severe‑weather options. For free quotes and broker help, visit insuranceonline.com.au.

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Estimate your public liability insurance needs with our Public Liability Insurance Calculator. Calculate the right levels of cover to protect your business investment and secure your financial livelihood.

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    Insurance News

    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
    Severe Weather Claims Are a Reminder to Recheck Your Cover
    Severe Weather Claims Are a Reminder to Recheck Your Cover
    12 Aug 2026: Paige Estritori
    Australia's latest severe-weather claims updates are a timely reminder that insurance resilience is tested long before a claim is lodged. As insurers continue working through damage from recent storms, floods and cyclones, the bigger message for households and business owners is clear: cover needs to be practical, current and matched to real replacement costs. - read more
    What APRA’s Fresh Insurance Focus Means for Policyholders
    What APRA’s Fresh Insurance Focus Means for Policyholders
    05 Aug 2026: Paige Estritori
    Australia’s prudential regulator has sharpened its focus on the insurance sector, with its latest priorities pointing to a market under pressure from affordability concerns, severe weather exposure, cyber threats and operational disruption. For households and business owners, the message is clear: insurance is no longer just a renewal task to be handled once a year. It is becoming a core part of financial resilience. - read more
    Rising Insurance Disputes Show Why Claims Service Matters
    Rising Insurance Disputes Show Why Claims Service Matters
    29 Jul 2026: Paige Estritori
    Australia’s latest financial dispute data has put insurance claims handling back in the spotlight, with consumers and small businesses continuing to seek outside help when problems with insurers cannot be resolved directly. The trend is a timely reminder that an insurance policy should be assessed not only on premium, but also on how clearly it explains cover, how exclusions work, and how effectively claims are managed when pressure is highest. - read more
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    Insurance Articles

    Australian Insurance Terms Explained: A Beginner's Guide to Policy Jargon
    Australian Insurance Terms Explained: A Beginner's Guide to Policy Jargon
    Insurance policies can be difficult to read when unfamiliar terms get in the way. This beginner-friendly guide explains common Australian insurance jargon, how policy documents are usually structured, and the key terms that can affect your cover, premiums and claims. - 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 Save Money on Your Boat Insurance Premiums
    How to Save Money on Your Boat Insurance Premiums
    Boat insurance can help protect you from the financial impact of accidental damage, theft, weather events and liability claims. Premiums can vary depending on your boat, how you use it, where it is kept and the cover you choose, so it is worth understanding which factors may influence the cost before you renew or compare policies. - read more
    Income Protection: How to Safeguard Your Earnings in Uncertain Times
    Income Protection: How to Safeguard Your Earnings in Uncertain Times
    In the landscape of personal financial planning, income protection insurance emerges as a critical safeguard against the unpredictable nature of life's many uncertainties. As we navigate through economic turbulence and job market volatility, the importance of income protection becomes ever more apparent. This type of insurance serves as a financial backstop, designed to provide a stable flow of income when you're unable to work due to sickness or injury. - read more
    How to Make a Boat Insurance Claim in Australia
    How to Make a Boat Insurance Claim in Australia
    Making a boat insurance claim can feel stressful after an accident, theft, storm or other loss. Understanding the usual claims steps, the information insurers may ask for and how your policy terms affect the outcome can help you approach the process more clearly. - read more

    Knowledgebase
    Insurance Policy:
    Broadly, the entire written contract of insurance. More narrowly, the basic written or printed document, as distinguished from the forms and endorsements added thereto.

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