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Products 41 to 50 of 321
Financial Lines - Solution ONE
CFC
  • No contract required
Min Premium AUD 500/Year

Coverages: General Liability | Management Liability | Professional Indemnity

Financial Lines – Solution One insurance from CFC is an all-in-one policy combining management liability, professional indemnity, and cyber coverage for SMEs. Tailored for financial services firms, it simplifies protection with a single, comprehensive solution. Solution One addresses evolving risks like regulatory actions, client disputes, and cyber threats, offering streamlined coverage, expert claims support, and peace of mind in a complex and fast-changing business environment.

Group Personal Accident Sickness
Batch Underwriting
  • Docs available A S P
  • No contract required
Max Coverage AUD 30M Min Premium AUD 750/Year

Coverages: Accident and Sickness | Income Protection

Batch Underwriting's Group Personal Accident and Sickness (GPAS) insurance safeguards employees' health and livelihoods, offering benefits for accidental injury and sickness. Designed to protect businesses from financial consequences of employee loss, it covers various industries including mining, construction, and healthcare. Flexible benefits include lump sums for accidental death and permanent disability, weekly income replacement, fractured bone benefits, funeral, and rehabilitation expenses. 

Journey Group Personal Accident
Batch Underwriting
  • Docs available A S P
  • No contract required
Max Coverage AUD 30M Min Premium AUD 750/Year

Coverages: Accident and Sickness | Bodily Injury

Batch Underwriting's Journey Group Personal Accident insurance provides comprehensive coverage for employees commuting to and from work, including meal breaks. Offered at a group level, this policy is often more cost-effective than individual policies. It demonstrates an employer's commitment to employee well-being, enhancing their reputation as an employer of choice. Flexible benefits include accidental death and permanent disability lump sum payments, weekly income benefits up to two years, fractured bone benefits, funeral expenses, and rehabilitation expenses. 

Voluntary Workers Group Personal Accident
Batch Underwriting
  • Docs available A S P
  • No contract required
Max Coverage AUD 30M Min Premium AUD 750/Year

Coverages: Accident and Sickness | Bodily Injury

Batch Underwriting's Voluntary Workers Group Personal Accident insurance provides comprehensive coverage for volunteers performing unpaid work on behalf of the insured organization. This policy offers financial protection against injuries or accidental death sustained during volunteer activities, covering individuals such as club directors, committee members, and voluntary workers who may not qualify for workers' compensation insurance. 

Voluntary Workers Personal Accident
DUAL Australia
  • Docs available A S P
  • No contract required

Coverages: Accident and Sickness

Directors and Officers
DUAL Australia
  • Docs available A F P
  • No contract required

Coverages: Directors and Officers Liability

DUAL Australia's Directors and Officers (D&O) insurance protects business leaders from personal liability arising from decisions made in their official capacity on behalf of the company. It covers claims related to alleged wrongful acts, such as breaches of fiduciary duty, mismanagement, or errors in judgment. This coverage includes legal costs, settlements, and other liabilities, promoting responsible governance.

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

Coverages: Bodily Injury | Product Liability | Product Recall | Public Liability

Journey
AHI
  • Contract required

Coverages: Accident and Sickness | Accidental Death and Disability

Attracting and retaining top talent is an imperative in today’s skills landscape. Whether an organisation is looking to be an employer of choice or operates in an Australian state where workers’ compensation does not extend to commuting incidents, AHI's Journey Cover offers financial support in case of accidental death or injury during an employee's commute to and from work.

Features: Lump-sum payments; Weekly payments.

Stand Alone General Liability
FTA Insurance
  • Docs available F
  • No contract required
Max Coverage AUD 20M

Coverages: Public Liability

FTA Insurance's stand-alone Public and Products Liability (PPL) insurance safeguards businesses against third-party compensation claims arising from personal accidents, injuries, property damage, and advertising injury linked to their operations, including manufactured or supplied products. Offering coverage limits up to $20 million, this policy caters to various industries such as manufacturing, labour hire, retail, property ownership, and agriculture. Notably, sectors like nightclubs, security companies, and underground mining are excluded.

General Liability
Australasia Underwriting Pty Ltd (AUPL)
  • Docs available F
  • Contract required
Max Coverage AUD 20M Min Premium AUD 5K/Year

Coverages: Commercial General Liability | Premises Liability | Product Liability | Public Liability

Australasia Underwriting’s General Liability Insurance provides broad protection for businesses against third-party claims involving personal injury or property damage arising from their operations or products. With an appetite for a wide range of industries that require a fresh approach to complex challenges. Our Broadform coverage for legal defence and compensation costs. This policy helps businesses manage risk and operate with confidence, backed by experienced underwriting and tailored liability solutions.

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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.