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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
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  • 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

    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
    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
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    Insurance Articles

    Estate Planning and Life Insurance in Australia: Protecting Your Family's Future
    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
    Common Misconceptions About Home Insurance in Australia
    Common Misconceptions About Home Insurance in Australia
    Home insurance is an essential safety net for Australians, providing financial protection against unexpected events that could damage your most significant asset—your home. It ensures that you have the necessary support to rebuild or repair in the event of disasters like storms, fire, or theft. For Australian homeowners, having the right insurance means peace of mind. - read more
    Public Liability Insurance in Australia: What It Covers and When It May Apply
    Public Liability Insurance in Australia: What It Covers and When It May Apply
    Public liability insurance can help Australian businesses respond to claims involving injury or property damage to third parties. This guide explains what it commonly covers, what it may exclude, who may consider it and how certificates of currency and claims usually work. - read more
    Business Insurance Essentials for Australian Entrepreneurs
    Business Insurance Essentials for Australian Entrepreneurs
    Running a business in Australia involves a wide range of risks, from customer injuries and property damage to employee injuries, cyber incidents and trading interruptions. Understanding the main types of business insurance can help entrepreneurs ask better questions, compare policy wording and identify cover that may be relevant to their operations. - read more
    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

    Knowledgebase
    No-Fault Insurance:
    A type of car insurance where your insurer pays for your damages regardless of who is at fault in an accident.

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