What each type of cover is, how it is sold in Australia, and when a broker or specialist underwriting agency is the usual route.
- Public liability insurance for tradies: a plain guidePublic liability insurance covers a tradie for injury or property damage to others. See where licensing rules require it and when a broker is used.
- Professional indemnity insurance: who needs it and whyProfessional indemnity insurance covers claims that your advice or service caused a client loss. See who must hold it and why brokers arrange most cover.
- Truck and heavy vehicle insurance: a plain guideTruck insurance covers heavy vehicles, trailers, loads and liability. See what is compulsory, what is commonly excluded and why brokers place most cover.
- Farm insurance: what it covers and who arranges itFarm insurance packs cover the home, sheds, machinery, livestock, crops and liability. See what is compulsory and why brokers arrange most policies.
- Workers compensation insurance: state-by-state basicsWorkers compensation insurance is compulsory for employers, but each state runs its own scheme. See who must hold it, how to buy it and where disputes go.
- Home insurance in flood and cyclone areas: your optionsHome insurance costs more and is harder to find in flood and cyclone areas. See what is covered and what to do if an insurer declines or cancels cover.