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Licensing Agreement Liability
CFC
  • No contract required
Max Coverage AUD 10M Min Premium AUD 500/Year

Coverages: Intellectual Property

Licensing Agreement Liability insurance from CFC protects businesses entering licensing deals from legal and financial risks arising from breaches or disputes. It covers defense costs, damages, and contractual liabilities linked to intellectual property use. Ideal for licensors and licensees, this policy ensures smoother collaborations by safeguarding against costly litigation and helping maintain strong commercial relationships in competitive, IP-driven industries.

Kidnap and Ransom
CFC
  • No contract required
Max Coverage AUD 35M Min Premium AUD 400/Year

Coverages: Kidnap and Ransom

CFC's Kidnap and Ransom (K&R) insurance provides businesses and their employees with financial protection and peace of mind against kidnapping and related security risks. Key features include 24/7 access to expert response consultants, comprehensive legal and expense coverage, extended personal accident benefits, and customizable endorsements to suit various needs. Additionally, CFC offers a specialist marine K&R product for both commercial and leisure maritime activities.

Intellectual Property Private Enterprise
CFC
  • No contract required
Max Coverage AUD 5M Min Premium AUD 3K/Year

Coverages: Intellectual Property

CFC's Intellectual Property Private Enterprise (IPPE) insurance is tailored for startups and SMEs, providing comprehensive protection for patents, trademarks, copyrights, and other IP assets. Key features include defense against infringement claims, pursuit of infringers, coverage for invalidation challenges, trademark oppositions, IP title pursuit and disputes, loss of IP rights, and loss of future profits.

Cyber Large Corporate
CFC
  • No contract required
Max Coverage AUD 50M

Coverages: Cyber

Built with global businesses in mind, this cyber insurance policy is designed to protect balance sheets against the impact of catastrophic system failures and major security breaches. Coverage includes affirmative management liability, failures in the technology supply chain and more.
Revenues £/$ 250m upwards
Key features
· Nil deductible for incident response
· Senior officer liability for cyber events
· Technology supply chain failure
· Cover for operational IT risk

Casualty
CFC
  • No contract required
Min Premium AUD 5K/Year

Coverages: General Liability

CFC's Casualty Insurance safeguards businesses from financial losses due to claims of bodily injury or property damage. Offering comprehensive coverage across various industries, it provides protection on both primary and excess of loss bases. Key features include personal injury and property damage liability, products liability, errors and omissions (E&O), principals’ indemnity, and coverage for goods in care, custody, or control.

Carbon Delivery
CFC
  • No contract required
Max Coverage AUD 25M Min Premium AUD 10K/Year

Coverages: Carbon

CFC’s Carbon Delivery insurance protects buyers and sellers of carbon credits against the risk of non-delivery due to project underperformance or failure. Designed for the voluntary carbon market, it ensures financial stability and transaction confidence. This policy supports sustainable investment by covering losses when credits aren’t issued as expected, helping businesses meet climate goals with greater certainty and reduced risk.

Carbon Cancellation
CFC
  • No contract required
Max Coverage AUD 25M Min Premium AUD 10K/Year

Coverages: Carbon

CFC's Carbon Cancellation Insurance protects companies who own carbon credits from financial and management risks due to cancellation or invalidation. It offers contract certainty for issued credits, financial protection against invalidation or reversal, and adverse media and crisis management support following a project invalidation event.

Active Assailant
CFC
  • No contract required
Max Coverage AUD 10M

Coverages: War and Terrorism

CFC’s Active Assailant insurance provides comprehensive coverage for businesses facing threats from armed attacks, including firearms, vehicles, or explosive devices. It covers property damage, business interruption, and crisis response costs. With access to specialist support teams, the policy helps organizations respond swiftly to traumatic events, protect employees and customers, and recover faster from violent incidents in today’s unpredictable security landscape.

Accident and Health - Voluntary Works
CFC
  • No contract required
Min Premium AUD 350/Year

Coverages: Accident and Sickness

CFC's Voluntary Workers insurance offers coverage for organizations, associations, and businesses that rely on volunteers, including board members and work experience students. The policy provides protection against accidental injuries sustained while performing voluntary duties. Optional worldwide coverage extensions are available to ensure comprehensive protection for volunteers.

Accident and Health - Corporate Travel
CFC
  • No contract required
Min Premium AUD 600/Year

Coverages: Travel

CFC's Corporate Travel Insurance offers comprehensive protection for businesses and their employees during domestic and international travel. The policy encompasses 12 sections of coverage, including personal accident and sickness, kidnap and ransom, overseas medical expenses, travel assistance services, travel disruption, baggage and money loss, rental vehicle excess, personal liability, extra-territorial workers' compensation, political unrest evacuation, search and rescue expenses, and additional benefits. This extensive coverage ensures financial protection against unexpected events during business trips.

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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.