What is the main difference between public liability and professional indemnity insurance?

Public liability insurance generally responds to claims involving third-party injury or property damage connected with business operations. Professional indemnity insurance generally responds to claims alleging negligence, errors, omissions or breach of duty in professional advice or services.

Should I use an insurance broker, a comparison website or go directly to an insurer?

It depends on your circumstances. Direct insurers can suit simpler needs, comparison websites can help you scan selected options quickly, and brokers may help with complex personal or business risks. Whichever pathway you use, check cover, exclusions, excesses, claims support and any fees or limitations before deciding.

How can income protection insurance safeguard your earnings during uncertain times?

Income protection insurance is crucial for safeguarding your earnings during uncertain times by providing a financial safety net if you're unable to work due to illness or injury. This insurance covers a portion of your income, ensuring you can maintain your standard of living and meet essential expenses like mortgage payments, bills, and groceries. By offering this replacement income, it reduces financial stress and gives you peace of mind, allowing you to focus on recovery without worrying about your financial obligations. As economic and job market conditions can be unpredictable, having income protection ensures that you have continuous financial support, even when you're unable to earn. This stability is especially important in today's rapidly changing world, making income protection a key component of sound financial planning. It's a proactive step to secure your financial future and protect your ability to sustain your lifestyle through life's uncertainties.

What is the best business insurance for Australian entrepreneurs?

There is no single best business insurance policy for every entrepreneur. The right mix depends on the business's industry, size, services, assets, liabilities and operating model. Common cover types to consider include public liability, professional indemnity, property insurance, business interruption insurance and cyber insurance.

Insurance Online :: Affiliates

Insurance Online Affiliates

Insurance Online affiliates earn money by referring people to us through the Financial Services Online affiliate program.

Some people make their living from it.

If you would like to learn more about how you can earn income as a marketing affiliate of Insurance Online and the Financial Services Online group of websites, simply click here for details.

We are a proud member of the Financial Services Online network!

Connect with us on your favourite social media platform for the latest financial news, views, resources and information.

Insurance News

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

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 APRAâ€™s Fresh Insurance Focus Means for Policyholders

05 Aug 2026: Paige Estritori

Australiaâ€™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

29 Jul 2026: Paige Estritori

Australiaâ€™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

Higher ASIC Levies Signal More Scrutiny for Australiaâ€™s Insurance Sector

22 Jul 2026: Paige Estritori

Australiaâ€™s insurance sector is facing a larger contribution to the cost of financial regulation, with ASICâ€™s 2025â€“26 industry funding estimates putting insurance levies at $23.838 million. That is a sizeable rise from the $17.608 million levied in 2024â€“25 and reflects a broader increase in the regulatorâ€™s expected cost recovery across the financial system. - read more

Click for more Insurance News

Insurance Articles

Underinsurance, Sum Insured and Policy Limits: What Australian Insurance Customers Should Understand

Underinsurance can leave households and businesses paying unexpected costs after a claim. This guide explains sum insured amounts, policy limits and sub-limits, and how to review cover more carefully before comparing insurance options. - read more

Public Liability vs Professional Indemnity Insurance: Key Differences for Australian Businesses

Public liability and professional indemnity insurance protect Australian businesses against different types of risk. Public liability focuses on third-party injury or property damage connected with business activities, while professional indemnity focuses on claims arising from professional advice or services. - read more

The Ultimate Guide to Choosing the Best Travel Insurance for Your Australian Adventure

Embarking on an Australian adventure can ignite excitement in the heart of any traveller, but being prepared for the unexpected should be top of mind. Travel insurance is an essential travel companion that safeguards your journey from unforeseeable circumstances. Whether confronting flight cancellations, medical emergencies, or lost luggage, the right travel insurance policy can make a world of difference, offering peace of mind to fully immerse in the Aussie adventure experience. - read more

Understanding Life Insurance in Australia: Types, Features and How to Compare Policies

Life insurance can provide financial support to nominated beneficiaries if the insured person dies. In Australia, life insurance decisions usually involve comparing cover types, benefits, premiums, exclusions and how the policy fits with household or business financial responsibilities. - read more

Estate Planning and Life Insurance in Australia: Protecting Your Family's Future

Estate planning and life insurance are closely connected parts of protecting your family's financial future. An estate plan records how you want your assets and affairs managed, while life insurance can provide funds to help beneficiaries meet debts, living costs and other obligations after your death. - read more

Knowledgebase

Loss of Use:
Insurance coverage that pays for the additional living expenses if your home is uninhabitable due to a covered loss.

This website is owned and operated by Clark Family Pty Ltd (ACN 010 281 008) as Trustee for the Clark Family Trust (ABN 35 957 893 714), 43 Larch Street Tallebudgera QLD 4228. Clark Family Pty Ltd is an Authorised Representative (AR 1298860) of Unique Group Broker Services Pty Ltd (AFSL 509434) for financial product referrals and an Authorised Credit Representative (ACR 401491) of Saccasan Pty Ltd (ACL 386297). Check our licensing details on the ASIC registers: Clark Family Pty Ltd ACR, Clark Family Pty Ltd AR, Saccasan Pty Ltd, Unique Group Broker Services.

IMPORTANT: We act solely as an introducer and refer enquiries to licensed third-party brokers, insurers, and lenders. We do not provide financial product advice or credit assistance. We may receive a fee or commission from these third parties in consideration for the referral. Before any action is taken to obtain a product or service referred to by this website, advice should be obtained (from either the third party to whom we refer you or from another qualified intermediary) as to the appropriateness of obtaining those products having regard to your objectives, financial situation and needs. Whilst we have our own process for validating the legitimacy of our referral partners, you should independently verify the credentials and licensing of any adviser or provider you engage. Visit the ASIC website for further information.

Business & Commercial Cover	Personal Cover
Business Insurance Commercial Property Cyber Insurance Plant & Equipment Professional Indemnity Public Liability Strata Insurance Truck Insurance	Boat Insurance Caravan Insurance Health Insurance Home & Contents Income Protection Landlords Insurance Life Insurance Travel Insurance

Business, Industry and Professional Services Coverage
Allied Health Beauticians Insurance Cafe Insurance Construction Insurance Consultants Insurance Domestic Services Farm Insurance Fitness Professionals Freelancers Insurance	Hospitality Insurance Hotel Insurance Nightclub Insurance Personal Trainers Professionals Insurance Realtor Insurance Restaurant Insurance Tradies Insurance