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.
- Landlord insurance: what it covers and who arranges itLandlord insurance covers a rental property, lost rent and liability to tenants. See what is usually excluded, how it is sold and when a broker is used.
- Cyber insurance: what it covers for small businessCyber insurance helps a business pay for data breaches, ransomware and outages. See what it covers and excludes, the legal duties and how it is sold.
- Commercial property insurance: what it covers and costsCommercial property insurance covers business buildings, contents and lost income. See common exclusions, hard-to-place risks and how it is sold.
- Marine and boat insurance: what it covers and who sells itBoat insurance covers the hull, motor, trailer and liability to others. See state requirements, common exclusions and when a marine broker is used.
- Hospitality insurance for pubs, cafes and restaurantsHospitality insurance covers fire, stock, lost income and liability for pubs, cafes and restaurants. See legal requirements and when brokers are used.
- Strata insurance: what it covers and who arranges itStrata insurance covers the building and common property of a strata scheme. See the legal minimums by state, what is excluded and when brokers are used.
- Short-stay rental insurance: cover for Airbnb-style hostsShort-stay hosts often need cover beyond standard home insurance. See the NSW insurance rule for hosts, common exclusions and when a broker is used.
- Management liability insurance: what it coversManagement liability insurance covers directors and the company for claims about how the business is run. See exclusions and why brokers arrange it.
- Classic and modified car insurance: how it worksClassic and modified car insurance uses agreed values and limited-use terms. See registration rules, common exclusions and when a broker is used.