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Business Insurance

Find and Compare Business Insurance Cover for Australian Businesses

Compare Business Insurance Quotes

Having the right insurance is an important step towards ensuring you have protected what you have worked long and hard to build. An Ausure Insurance Broker can provide you with the right advice to make sure your business is protected if the unexpected happens, and you can continue to  focus on the more important things, like growing your business. An Ausure Broker compares insurance policies from Australia’s leading insurers, including QBE, Allianz, CGU, Chubb, NTI, AIG and many more.

We find you cover that offers the right protection, at the right price to suit you. Save time, money and hassle by letting Ausure do the work for you. No business is the same, and therefore, insurance solutions shouldn’t look the same either. An Ausure insurance specialist will take the time to understand the specific risks your business faces and take you through the different types of cover you can choose to take. All businesses, including those which operate from home and online require insurance to protect not only their business, but their livelihoods.

Not sure what insurance you need? No problem, we’re here to help. Simply complete the form below and we will be in touch.

You can also save time by uploading a copy of your current policy schedule. Once you have submitted your request, an Ausure representative will be in touch within 24 hours to discuss your request. Once we have all the information we need, an Ausure broker will approach the market and provide you with a number of comparable quote and price options.

Request a Quote from Ausure Insurance Brokers for your Business Insurance

Let's get you some quotes - tell us a little about you. 

If your business or occupation does not appear in the list, please select 'Other'.

Please note that we are unable to assist with event, market stall or short term insurance
(less than 12 months).

Tell us a little about your business.

Tell us a little about your business.

Tell us about you.

Tell us a little more about your business.

We're going to ask you some questions about your requirements so that we can get the quote process started. The more details you give us, the quicker we are able to go to market to provide you with comparable quotes. If you are unsure what you need or prefer to talk with someone, please skip through the pages and submit the quote request. 

If you are unsure to any of the answers - please leave them blank.


Here are some insurances that apply to most businesses.

Legal liability for injury or damage arising from your business or products.
Your portable business equipment - such as tools for a tradie.
The maximum amount that an insurer agrees
to pay in the event of a covered claim under a policy.

Protects premises from covered events such as theft, fire,  or natural disasters.

Loss of business income and increased expenses following a Fire & Perils loss
The maximum amount covered for the loss of a business's gross profit due to an interruption caused by an insured event.
The specified time frame during which a policy provides coverage for losses following an insured event.

Theft of property following forcible/violent entry to the premises
The maximum amount that an insurer agrees
to pay in the event of a covered claim under a policy.
The maximum amount that an insurer agrees
to pay in the event of a covered claim under a policy.
The maximum amount that an insurer agrees
to pay in the event of a covered claim under a policy.

Theft of property following forcible/violent entry to the premises

Theft of property following forcible/violent entry to the premises
The maximum amount that an insurer agrees
to pay in the event of a covered claim under a policy.

Theft of property following forcible/violent entry to the premises
The maximum amount that an insurer agrees
to pay in the event of a covered claim under a policy.
Coverage that protects against the loss or damage of perishable goods, such as food or pharmaceuticals, due to breakdown or failure of refrigeration or cooling systems.
The maximum amount that an insurer agrees to pay in the event of a covered claim under a policy.

Can protect a business and its assets from financial loss due to unexpected
events, accidents, or liabilities that occur to goods whilst in transit.
The maximum amount that an insurer agrees to pay in the event of a covered claim under a policy.
The maximum amount that an insurer agrees to pay in the event of a covered claim under a policy.
The maximum amount that an insurer agrees to pay in the event of a covered claim under a policy.

Can protect businesses against financial loss due to damage
or liability resulting from the use of commercial vehicles.
Vehicle Details
Cover Type

The maximum amount that an insurer agrees to pay in the event of a covered claim under a policy.

About the Vehicle

Insurance Specialty Covers - this applies to some businesses.

Some businesses require additional Insurance coverage. Please indicate below if you would like to know more information on any of these specialty Insurance Products.
Cover for Mobile Plant and Machinery and liability from their use
Machinery Details
Cover Type

* Agreed value option requires a licensed valuers written assessment of value of Machine

Sum Insured should be the Market Value of the machine and include the value of attachments and accessories or separately list and declare.
About the Machine/Equipment

Use of Machine/Equipment

Are any of your machines used or expected to be used:

Yes No

Can help mitigate financial losses resulting from cyber attacks,
data breaches, and other cyber-related risks.
Protects businesses and professionals from
loss due to professional negligence.
Protects businesses and managers for
employment actions, statutory obligations + others.
Can protect a business from financial losses due to
customers' inability to pay for goods or services on credit terms.
Costs of recalling/replacing products incl expert advice and brand management.
Protects builders/contractors from losses due to construction damage.
Protects businesses from from unexpected financial
losses whist employees are travelling.
Aircraft and/or liability associated with aircraft, airports or hangers
Commercial vessels and liability
Liability whilst repairing or working on vessels
Loss of income and expenses due to weather/non-appearance of performers
Legal expenses to defend patent, trademark or copyright
Protection for people who are injured whilst doing voluntary work
Your liability for injury to employees
Personal Accident Required Information

Personal Accident provides cover for accidents only. Personal Accident & Sickness will include Sickness also. Please note this does not extend to any pre-existing conditions.

Receive payments monthly or annually at claim time.

Period between when the claim occurs and when you will begin to receive payment.

In the event of a claim, how long will you receive payment.

Amount per week you would like to receive in the event of a claim. (Must be a true reflection of your earnings)

The lump sum that a policy can pay you if you suffer a permanent injury that leaves you unable to work. This is an additional payment to your weekly sum insured.

Declaration and Duty of Disclosure

When you apply for an insurance policy, or renew or extend your existing policy, you have to tell the insurer everything about you and your situation that is relevant or could reasonably be expected to be relevant to the insurer’s decision to insure you. You don’t need to disclose something you don’t know, that reduces the insurer’s risk, that is common knowledge, that the insurer knows or ought to know, or something that’s not relevant or the insurer has told you that you don’t need to disclose. With insurance, honesty is the best policy.

Disclosure Questions

If you answer 'Yes' to any of the questions, please enter full details below. 
Yes No

Claim Details

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We compare policies from trusted insurers, to find you the right cover at an affordable price for your Business Insurance. Below are some of our trusted insurance partners.


What type of Business Insurance do most Businesses need?

Not sure about your business insurance requirements or prefer to discuss with an expert? No worries, contact us on 1300 587 225 or find your local broker here.

Business Package

Business package insurance in Australia offers comprehensive coverage tailored to the specific needs of business owners. This type of insurance combines multiple policies into a single package, providing protection against various risks such as property damage, liability claims, theft, and business interruption.

Public Liability

Liability insurance in Australia can offer crucial protection for business owners against legal claims and financial risks arising from third-party injuries, property damage, or other incidents. This type of insurance helps cover legal expenses, court costs, and compensation payments, shielding businesses from potentially crippling financial burdens.

Professional Indemnity

Professional indemnity insurance is vital for business owners offering professional services or advice. It can provide coverage against claims of professional negligence, errors, or omissions that may result in financial losses for clients or third parties. In sectors such as consulting, finance, legal, and healthcare, professional indemnity insurance is essential.

Cyber Insurance

Cyber insurance can provide coverage for financial losses, legal expenses, and recovery costs incurred due to incidents such as hacking, data theft, ransomware attacks, and network disruptions. Tailored policies offer comprehensive coverage options, including data breach response, cyber extortion, and business interruption, tailored to the unique needs of businesses across various industries.

Tradie Insurance

Trades insurance provides coverage tailored to the unique risks faced by tradespeople, including builders, plumbers, electricians, and carpenters. Trades insurance typically includes public liability insurance, covering property damage or injury claims caused by work activities. It may also include tools and equipment insurance, covering theft, loss, or damage to essential tools of the trade.

Management Liability

Management liability insurance can protect against a range of risks related to the management and operation of a company. It can offer coverage for legal costs, regulatory investigations, and compensation claims arising from allegations of mismanagement, wrongful acts, or breaches of duty by directors, officers, or senior executives. Management liability insurance typically includes components such as directors and officers (D&O) insurance, employment practices liability, and company reimbursement cover.

Trade Credit Insurance

Trades credit insurance offer protection against the risk of non-payment by customers. It can protect businesses from financial losses resulting from insolvency, protracted default, or political events that prevent customers from paying for goods or services. Trades credit insurance provides peace of mind by ensuring that businesses receive payment for their invoices, even if customers fail to fulfill their obligations. With customisable policies tailored to the specific needs of trades businesses, this insurance helps mitigate risks and preserve cash flow.

Mobile Plant & Equipment Insurance

Mobile plant and equipment insurance is essential coverage for businesses operating in industries such as construction, mining, and agriculture. This specialised insurance provides protection against risks associated with mobile machinery, including damage, theft, and breakdowns. Whether it's excavators, bulldozers, or agricultural equipment, mobile plant and equipment insurance ensures that businesses can quickly recover from unexpected disruptions and keep operations running smoothly.

Commercial Motor & Fleet Insurance

Commercial Motor and Fleet insurance provides cover for business owners where vehicles are used for commercial purposes. It can provide comprehensive coverage for fleets of vehicles, including cars, trucks, vans, and specialty vehicles, against risks such as accidents, theft, and damage. Whether it's one vehicle or a large fleet, this insurance ensures that businesses can keep their operations running smoothly by quickly recovering from unexpected setbacks.

Transit Insurance

Transit insurance provides protection for businesses involved in the transportation of goods, including comprehensive coverage for goods in transit, protecting against risks such as damage, loss, or theft during transportation by road, rail, sea, or air. Whether it's local deliveries or international shipments, businesses can ensure that their valuable cargo is covered against unforeseen events.

Commercial Strata Insurance

Commercial strata insurance is essential for businesses who own commercial strata properties such as offices, retail spaces, or industrial units within a shared building. It can provide comprehensive coverage for common areas, shared facilities, and individual units against risks such as fire, theft, vandalism, and public liability claims. Whether it's a small office complex or a large commercial building, this insurance ensures that business owners can protect their investment.

Residential Strata Insurance

Residential strata insurance in Australia is a crucial those who own units within a strata-titled residential building. This specialized insurance provides comprehensive coverage for common areas, shared facilities, and individual units against risks such as fire, theft, vandalism, and public liability claims. Policies can be tailored to the specific needs of each property. Whether it's a small apartment complex or a large residential building, this insurance ensures that you can protect your investment and comply with legal requirements.

Workers Compensation

Workers' compensation insurance requirements in Australia vary by state. It can provide coverage for employees who suffer work-related injuries or illnesses and ensures that employees receive financial support for medical expenses, rehabilitation, and lost wages, while protecting employers from potential legal liabilities. Workers' compensation insurance offers peace of mind and compliance with legal requirements. Workers Comp Insurance ensures that employers can fulfill their duty of care to employees and maintain a safe work environment.

Business Interruption

Business interruption insurance in Australia is a crucial safeguard for business owners, providing financial protection against unexpected disruptions that may halt operations. This insurance can cover losses incurred due to events such as fire, natural disasters, or other unforeseen circumstances that force a business to temporarily stop operations. Business interruption insurance helps cover ongoing expenses like rent, utilities, and payroll, as well as lost income during the period of interruption.

Employment Practices Liability Insurance

Employment Practices Liability Insurance can provide coverage for claims such as wrongful termination, discrimination, harassment, and retaliation brought forth by employees or former employees. EPL insurance helps cover legal expenses, settlements, and judgments, protecting businesses from substantial financial losses. With tailored policies specific to the needs of each business, EPL insurance offers peace of mind and financial security.

Defamation Insurance

Defamation insurance can provide protection for business owners against the risk of libel or slander claims. It can provide coverage for legal expenses, damages, and settlements arising from allegations of defamation, including harm to reputation or character. Defamation insurance helps safeguard businesses from financial losses and reputational damage resulting from lawsuits or legal disputes.

Associations & Not For Profit Organisations Liability Insurance

This insurance provides coverage against legal claims arising from the activities of associations, charities, and other non-profit organizations. It protects against risks such as bodily injury, property damage, and personal injury claims, as well as allegations of negligence or mismanagement. Associations & Not-For-Profit Organisations Liability Insurance offers peace of mind by covering legal costs, settlements, and court judgments, helping organizations navigate potential liabilities and protect their mission.

The Insurance Quote Process

Information about your Business

You will be required to complete a fact find about your business which allows us to approach insurers for a quote to provide insurance.

We Approach Insurers

Once we have the information we need, we will approach a number of reputable insurers in the market that we believe will provide you with the right cover.

Compare Quotes

We will present you with quotations obtained from the insurers. The quotes will often vary on cover and price and we will explain the differences, allowing you to make an educated decision.

Full Claims Management

We fight as your ally at claim time. We work for you, not the insurer. We manage the entire claims process for you, so you can focus on your business.

Frequently Asked Questions About Business Insurance

What types of insurance do I need for my business?

The types of insurance your business needs depend on various factors such as the industry, size, and specific risks involved. However, common types of business insurance include public liability insurance, professional indemnity insurance, property insurance, cyber insurance, and workers’ compensation insurance – (requirements for this vary state by state). It’s important to speak to an Insurance Broker who will take the time to understand your unique business and ensure you have the right insurance for your operations.

How much does business insurance cost?

The cost of business insurance varies depending on factors such as the size and nature of the business, the level of coverage required, location, industry risks, and claims history. Premiums can be influenced by factors like income, number of employees, and the type of coverage selected. Getting the right Business Insurance and comparing quotes can be time consuming – especially if you aren’t sure what you need. An Ausure Insurance Broker will approach a number of insurers on your behalf for comparable quotes, and will explain the differences in cover between the insurers to you so that you can make informed decision. 

How can I lower my business insurance premiums?

There are a number of ways to potentially lower business insurance premiums, including implementing risk management measures, maintaining a claims-free history, increasing deductibles, bundling multiple policies with the same insurer, and reviewing your coverage needs to ensure you still have the right policies in place and aren’t paying for cover you don’t need. It’s important to understand that cheaper premiums will often mean less cover – and Insurance Broker can help you make an informed decision to ensure you have the right protection in place at a price you are comfortable with.

Business Insurance can be confusing. Understanding policy exclusions and the differences in cover between insurers can be difficult. Using an Ausure Insurance Broker will offer peace of mind – knowing you have the right cover in place for your Business. 


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We are the trusted, Business Insurance experts in Australia.

Ausure we care Insurance Broker

Ausure can assist with all of your business insurance needs, Australia wide. 

The types of Business Insurance we can help with:

  • Public Liability Insurance
  • Tool Insurance
  • Trades Insurance
  • Business Package Insurance
  • Professional Indemnity Insurance
  • Commercial Motor Insurance
  • Entertainment Insurance
  • Earthmoving Equipment Insurance
  • Commercial Property Insurance
  • Strata Insurance
  • Home and Contents Insurance
  • Corporate Travel Insurance
  • Office Insurance
  • Plant and Equipment Insurance
  • Retail Insurance
  • Transit Cover Insurance
  • Aviation Insurance
  • Safety Services
  • Professional and Consulting Services
  • Security Insurance

The types of Industries we can assist:

  • Insurance for Motels and Hotels
  • Insurance for Tourist Attractions
  • Insurance for Restaurants and Cafes
  • Insurance for Plumbers
  • Insurance for Real Estate Agencies
  • Insurance for Carpenters
  • Insurance for Gyms and Personal Trainers
  • Insurance for Builders
  • Insurance for Farmers and Hobby Farmers
  • Insurance for Accountants
  • Insurance for working from home businesses
  • Insurance for Handyman
  • Insurance for Landscapers
  • Insurance for Electricians
  • Insurance for Sole Traders 
  • Insurance for Tradies and Contractors
  • Insurance for Food Manufactures
  • Insurance for Building and Civil Construction
  • Insurance for Not-For-Profit and Charities
  • Insurance for Security Companies and Businesses
  • Insurance for Consultants
  • Insurance for Accountants
  • Insurance for IT Professionals
  • Insurance for Trucking and Transport
  • Insurance for Engineers
  • Insurance for Mining
  • Insurance for Allied Health Professionals

Business Insurance in Queensland, Victoria, Western Australia, South Australia, Tasmania, New South Wales and the Northern Territory.

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