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Information Technology
Keystone Underwriting Pty Ltd
  • Docs available S
  • Contract required
Max Coverage AUD 10M Min Premium AUD 500/Year

Coverages: Product Liability | Professional Indemnity | Public Liability

Keystone's Information Technology insurance provides tailored coverage for IT professionals against claims arising from alleged breaches of professional duty, personal injury, or property damage linked to their services. The policy includes a wide range of automatic and optional extensions offering limits up to $10 million. Preferred occupations encompass consultants, data service providers, designers, developers, distributors, manufacturers, project managers, suppliers, and website hosting services.

Business Interruption
Interruption Underwriting Agencies
  • No contract required
Max Coverage AUD 20M Min Premium AUD 500/Year

Coverages: Business Interruption

Management Liability
CFC
  • No contract required
Max Coverage AUD 10M

Coverages: Crime | Directors and Officers Liability | Employment Practices Liability | Management Liability | Statutory Liability

Management Liability insurance from CFC protects company directors, officers, and senior management against claims arising from their decisions and actions. It covers legal costs, regulatory investigations, employment disputes, and allegations of mismanagement. Designed for businesses of all sizes, this policy helps safeguard personal assets and company reputation, offering expert support and comprehensive coverage in an increasingly complex and litigious business environment.

Cyber Excess Protection
Emergence Insurance
  • No contract required
Max Coverage AUD 25M

Coverages: Cyber

Emergence Insurance's Cyber Excess Protection policy allows companies to extend their cyber insurance limits beyond the primary policy. Emergence can provide up to $10 million in additional capacity.

Excess Layers
FTA Insurance
  • No contract required

Coverages: Umbrella / Excess

FTA Insurance offers Excess Layer Insurance, providing additional coverage beyond primary policy limits. This structure involves one insurer covering the initial portion of a claim, while FTA supplies insurance for subsequent layers. For instance, if a primary insurer covers up to $5 million, FTA can extend coverage by an additional $5 million. This ensures comprehensive protection for claims exceeding primary limits.

Commercial Legal Expenses
High Street Underwriting Agency
  • Docs available F
  • No contract required
Max Coverage AUD 100K Min Premium AUD 250/Year

Coverages: Legal Expenses

High Street Underwriting Agency offers Commercial Legal Expenses Insurance designed to protect businesses against the financial burden of unexpected legal disputes. This coverage ensures that companies can navigate legal challenges confidently, safeguarding their financial stability. For personalised assistance and to discuss specific coverage needs, connect with High Street's dedicated team through their portal. 

Voluntary Workers' Accident
Keystone Underwriting Pty Ltd
  • Contract required
Max Coverage AUD 100K Min Premium AUD 300/Year

Coverages: Life

Voluntary Workers' Accident Insurance provides coverage for individuals performing voluntary work on behalf of an organization, offering benefits for accidental death and injury sustained during such activities. Key benefits include the ability to package with other products, individual quotes or scheme solutions, limits up to $250,000 for accidental death, weekly benefits up to $1,000 for accident or sickness, and a wide range of automatic and optional extensions available including Non- Medicare Medical.

Corporate Travel
Keystone Underwriting Pty Ltd
  • Contract required
Max Coverage AUD 250K

Coverages: Accident and Sickness

Keystone's Accident and Sickness insurance offers comprehensive coverage for individuals and organisations. Key benefits feature flexible packaging, tailored quotes, 24/7 coverage whilst travelling, Unlimited Medical Cover (up to 24 months), Private Travel for Executives, Emergency Medical Evacuation, Cancellation Costs, Loss of Deposits, Local Underwriters and caring Claims team.

Excess Public and Products Liability
Keystone Underwriting Pty Ltd
  • Contract required
Max Coverage AUD 20M

Coverages: Product Liability | Public Liability

Keystone's Excess Public and Products Liability insurance provides additional coverage beyond primary liability policies, addressing claims for personal injury or property damage linked to business operations or products. This excess coverage ensures businesses are protected against substantial liabilities that exceed their primary policy limits. Key benefits include the ability to package with other products, individual or scheme-based quotes, and a wide range of automatic and optional extensions.

Public and Products Liability
Keystone Underwriting Pty Ltd
  • Docs available S
  • Contract required
Max Coverage AUD 20M Min Premium AUD 175/Year

Coverages: Product Liability | Public Liability

Keystone's Public and Products Liability insurance safeguards businesses against claims for personal injury or property damage arising from their operations or products. It offers occurrence-based coverage with limits up to $20,000,000. Key benefits include the ability to package with other products, individual or scheme-based quotes, and a wide range of automatic and optional extensions. Preferred occupations range from accountants and architects to engineers and event coordinators.

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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.