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Insurance Online Articles

Insurance Online recommends the following articles which we hope you find of interest.

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Insurance Articles

Common Cyber Threats Facing Small Businesses and How Cyber Insurance Can Help
Common Cyber Threats Facing Small Businesses and How Cyber Insurance Can Help
Small businesses rely on digital systems for payments, customer records, communications and day-to-day operations. That reliance can also create exposure to cyber threats such as phishing, ransomware, data breaches, insider risks and malware. Cyber insurance may help a business manage some of the financial and practical consequences of a cyber incident, but it works best alongside strong cybersecurity practices. - read more
Business Insurance in Australia: How to Check Your Cover
Business Insurance in Australia: How to Check Your Cover
Business insurance can help protect an Australian business from financial loss caused by property damage, liability claims, interrupted trading, employee injuries and other insured events. This guide explains common cover types, how to assess your risks, what to check in policy documents and when to review or seek professional guidance. - read more
The Ultimate Guide to Choosing the Best Travel Insurance for Your Australian Adventure
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
Boat Insurance: How a Specialist Broker Can Save You Time, Money, and Hassle
Boat Insurance: How a Specialist Broker Can Save You Time, Money, and Hassle
Boating can be an enjoyable pastime, but it also comes with risks. From accidents to theft, unexpected events can take a toll on your finances and boat. This is where boat insurance comes in. Boat insurance provides financial protection in the case of accidents, theft, or other damage to your vessel. - read more
Starting Out: How to Pick the Right Insurance As a Young Professional in Australia
Starting Out: How to Pick the Right Insurance As a Young Professional in Australia
Welcome to the journey of safeguarding your future! As a young professional in Australia, you're likely juggling the demands of a burgeoning career with personal goals and financial responsibilities. Navigating the world of insurance is critical in creating a safety net around these aspirations. But why exactly is insurance a cornerstone for those entering the professional realm, and how do you discern which coverage best aligns with your unique pathway? - read more

The information on this website is general in nature and does not take into account your objectives, financial situation, or needs. Consider seeking personal advice from a licensed adviser before acting on any information.

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Insurance News

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
Higher ASIC Levies Signal More Scrutiny for Australia’s Insurance Sector
Higher ASIC Levies Signal More Scrutiny for Australia’s Insurance Sector
22 Jul 2026: Paige Estritori
Australia’s insurance sector is facing a larger contribution to the cost of financial regulation, with ASIC’s 2025–26 industry funding estimates putting insurance levies at $23.838 million. That is a sizeable rise from the $17.608 million levied in 2024–25 and reflects a broader increase in the regulator’s expected cost recovery across the financial system. - read more

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