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Group Personal Cyber
Emergence Insurance
  • No contract required
Max Coverage AUD 20K Min Premium AUD 25/Year

Coverages: Cyber

Emergence Insurance's Group Personal Cyber Insurance is purchased by businesses providing cyber protection for their employees and their families. This core policy includes cover for cyber events, including hacking, crimeware, cyber extortion, cyber espionage and denial of service. Coverage includes cyber event response costs such as credit and identity monitoring, data restoration, legal costs, and cyber extortion costs. Base premiums start at $25 per employee for $20,000 coverage, with a minimum base premium of $300.

Cyber Event Protection
Emergence Insurance
  • No contract required
Max Coverage AUD 10M Min Premium AUD 400/Year

Coverages: Cyber

Emergence Insurance's Cyber Event Protection policy offers comprehensive cyber insurance for SME businesses. The core policy includes losses to your business, loss to others, and cyber event response costs. Optional coverages include non-IT contingent business interruption and system failure, criminal financial loss, socially engineered theft, directors and officers' liability, tangible property, and joint venture cover.

Cyber Enterprise Solution
Emergence Insurance
  • No contract required
Max Coverage AUD 25M Min Premium AUD 25K/Year

Coverages: Cyber

Emergence Insurance's Cyber Enterprise Solution policy offers comprehensive cyber insurance for large enterprises with revenues exceeding $250 million. The core policy includes business interruption, dependent business interruption, cyber and privacy liability, and cyber incident response costs. Optional coverages include reputational harm, system failure, multimedia liability, tangible property, and joint venture cover.

LEXi (Legal Expenses)
Edge Underwriting Pty Ltd
  • Docs available A P
  • No contract required
Max Coverage AUD 250K Min Premium AUD 500/Year

Coverages: Legal Expenses

LEXi is Edge Underwriting's Legal Expenses Insurance, offering businesses coverage for various legal matters, including statutory defense, property disputes, and tax investigations. Policyholders benefit from unlimited access to a free telephone legal advice service, limited to one 30-minute call per issue, and are entitled to one contract review per policy period, focusing on insurance and indemnity sections. Optional extensions cover construction and employment contract disputes, as well as personal legal expenses for employees.

Cyber
Edge Underwriting Pty Ltd
  • Docs available A P
  • No contract required
Max Coverage AUD 10M Min Premium AUD 3K/Year

Coverages: Cyber

Edge Underwriting's Cyber Insurance offers comprehensive protection against cyber risks, including coverage for system damage, business interruption, and cybercrime such as phishing and identity theft. Underwritten with 100% Lloyd's security, the policy provides unlimited retroactive cover, ensuring protection for events occurring before the policy's inception. Additionally, it includes breach notification costs outside the policy limit and full coverage for regulatory fines.

Warranty and Indemnity
DUAL Australia
  • No contract required

Coverages: Representations and Warranties

DUAL Australia's Warranty and Indemnity insurance provides specialised coverage for parties involved in mergers and acquisitions (M&A). It protects an insured against financial loss arising from a breach of the warranties or indemnities given by the warrantors (usually the seller) under a sale agreement and enables smoother transactions by transferring risk from the purchaser. As a result of the transfer of risk from the purchaser to the insurer, W&I insurance facilitates deals and enhances deal security and confidence for the parties involved. It also provides a clean exit for sellers and reduces the potential for disputes between the negotiating parties.

Title
DUAL Australia
  • Docs available A
  • No contract required

Coverages: Title

DUAL Australia's Title Insurance provides protection against legal risks related to (i) the ownership and use of real estate and (ii) the ownership of shares in companies, units in unit trusts and comparable ownership interests. The suite of available products can provide protection against both known and unknown issues that may arise (or be identified during) transactions. The protection provided by Title Insurance can help streamline transactions and helps provide enhanced financial security for buyers, sellers and lenders.

Statutory Liability
DUAL Australia
  • Docs available A S
  • No contract required

Coverages: Damages and Fines | Legal Expenses

DUAL Australia's Statutory Liability insurance protects businesses against legal liabilities from unintentional breaches of legislation, including health, safety, and environmental laws. The policy covers fines, penalties, legal costs, and expenses related to investigations. Optional coverage for enforceable undertakings is also available. This insurance can be purchased as a standalone policy or as part of DUAL's Evolution suite, providing comprehensive protection in an increasingly regulated environment.

Medical Expenses
DUAL Australia
  • Docs available A S P
  • No contract required

Coverages: Medical Expenses

Management Liability
DUAL Australia
  • Docs available A S P
  • No contract required

Coverages: Management Liability

DUAL Australia's Management Liability insurance is a comprehensive package designed to protect senior management and companies from the complex risks associated with business operations. It offers coverage for directors and officers liability, entity cover, employment practices liability, crime protection, tax audit, statutory liability, investigations, and occupational health and safety defence costs. Tailored for businesses with turnovers up to $150 million and up to 1,000 staff, it provides flexible limits and competitive premiums.

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What is commercial insurance? 

Commercial insurance provides financial protection for businesses against risks such as property damage, liability claims, and operational disruptions. It helps secure assets and maintain business operations during unexpected events. In Australia, this insurance is essential for businesses across sectors, from small enterprises to large corporations. 

It safeguards companies from risks like property damage, liability claims, and disruptions. Commercial insurance also supports recovery by reducing financial strain and allows businesses to stay focused on their goals. Australian businesses benefit from tailored coverage that aligns with specific industry needs and risks.
 

Commercial insurance industry trends and emerging risks 

Australian commercial insurance is adapting to challenges like climate change, cybersecurity threats, and evolving regulations. These changes demand flexible and robust insurance solutions. Brokers must stay informed to provide relevant advice and policies to their clients, focusing on: 

  • climate challenges: increased floods and bushfires are driving demand for property and liability coverage tailored for high-risk regions
     
  • digital vulnerabilities: businesses face rising cyberattack risks, prompting growth in cyber liability coverage
     
  • competitive market: insurers are offering more flexible policies to accommodate varying industry needs, which benefits Australian businesses 

Fast-growing insurers in Australia, recognised by Insurance Business Australia, are leading the way in adapting to these trends by developing solutions and enhancing customer-focused policies. Their efforts show the importance of addressing emerging risks effectively. Businesses must review their commercial insurance policies regularly to ensure adequate protection over time.
 

Commercial insurance FAQs  

Who typically needs commercial insurance coverage? 

Commercial insurance is vital for businesses and organisations of all sizes. Groups requiring coverage include: 

  • retail and hospitality businesses: protect against property damage, theft, and liability claims from customers or suppliers
     
  • healthcare providers: cover risks like malpractice claims, equipment damage, and liability issues
     
  • manufacturers and construction companies: protect equipment, vehicles, and liability during operations
     
  • professional service providers: cover negligence claims, errors, or omissions in provided services 

Other coverage supports small businesses and sole traders by protecting against workplace incidents, theft, and disruptions. For large corporations, policies address complex risks like cyberattacks and significant liability claims. These solutions ensure businesses remain secure and operational. 

Common commercial insurance coverage options 

Commercial insurance offers a range of policies to address diverse business risks. These options are designed to protect property, employees, and financial operations. Key coverage types: 

  • public liability: includes property damage or third-party injuries
     
  • business interruption: compensates for income loss during disruptions
     
  • cyber liability: protects against data breaches and cyberattacks
     
  • workers' compensation: covers employee injuries and related costs
     
  • property insurance: safeguards assets like buildings, equipment, and stock 

These policies help businesses recover from unforeseen events while maintaining financial stability. Customised coverage guarantees protection against industry-specific risks.
 

What are the advantages of commercial policy? 

Commercial policies provide businesses with financial security and operational resilience. They reduce the financial impact of unforeseen events and enable quick recovery and uninterrupted operations. Businesses also gain compliance with legal requirements and protect employees while offering peace of mind for stakeholders.
 

What three insurances are businesses required to have by law in Australia? 

Certain insurances are legally required for businesses operating in Australia to protect employees, third parties, and stakeholders. These include: 

Workers’ Compensation Insurance 

  • mandatory for businesses with employees 
  • includes lost wages for work-related illnesses or injuries and medical expenses 
  • helps businesses meet legal obligations and support employee recovery
     

Compulsory Third Party (CTP) Insurance 

  • required for all registered vehicles 
  • covers injuries to third parties in motor vehicle accidents 
  • ensures businesses with vehicles meet road and injury liability requirements
     

Public Liability Insurance (industry-specific) 

  • required in certain industries, like construction or events 
  • protects against claims for injury or property damage caused by business activities 
  • makes sure businesses can operate safely and legally in regulated sectors 

Compliance with these insurance laws helps businesses avoid penalties while safeguarding financial and operational stability.
 

What is the difference between commercial and personal insurance? 

These insurances serve distinct purposes and are customised to the needs of businesses and individuals. Their coverage, scope, and focus vary significantly to address unique risks. Here’s how they’re different: 

Commercial insurance 

  • designed for businesses and their operations 
  • covers risks like liability, employee claims, and business interruptions 
  • tailored to industry-specific needs and challenges
     

Personal insurance 

  • focuses on protecting individual assets and liability 
  • covers homes, vehicles, and personal belongings 
  • offers standardised policies for personal use cases 

Understanding the differences between personal and commercial insurance guides businesses and individuals in choosing the right coverage for their requirements.