Business insurance comparison
Compare business insurance for tradies.
Tell us about your business once. We compare every cover you need, from public liability to your ute, across our panel of Australian insurers. Choose what suits, or talk it through with a licensed broker.
What tradies usually hold
Policies from our panel of Australian insurers. We don’t compare every insurer.
One platform
One set of details. Every policy you need.
Most businesses need more than one policy. Going direct usually means a separate form for each, asking the same questions in a different order. Here you answer once and choose the best insurer for each cover.
Your business & cover
ExampleWorkers compensation is arranged by a licensed broker. It rides along in the same request and a broker calls you about it.
Real quotes depend on your business details and each insurer’s underwriting. We don’t compare every insurer.
Who we cover
Cover built around how you actually work.
Pick your industry for a plain-English starting point. You can add or remove cover before you compare.
Compare onlineTrades & construction
Public liability, tools, your work ute
Compare onlineConsultants & professionals
Professional indemnity, public liability, cyber
Compare onlineCafés, restaurants & retail
Business pack, public and product liability
Compare onlineAllied health
Professional indemnity, public liability, cyber
Online + brokerTransport & rideshare
Commercial motor, trucks, rideshare, goods in transit
Broker-arrangedProperty owners
Landlord, commercial landlord, strata
Cover types
What each cover does, and how to get it.
Plain-English explanations of each cover, and whether you can compare it online or a licensed broker arranges it.
Premiums depend on your occupation, turnover, claims history and the cover limit you choose. Request quotes to see what your business would pay.
Arranged by a licensed broker
Landlord insurance Rent default, tenant damage Trucks & small fleets Two or more vehicles, or trucks Rideshare & delivery Uber, DiDi, delivery apps Market stalls & events A day, a season or a year Contract works The build and materials Goods in transit Freight on the roadSpecialist · broker-arranged
Income protection Sole traders who can’t work Strata insurance Buildings and common property Directors & officers Personal liability for directors Farm insurance Property, machinery, livestock Trade credit Customers who don’t pay Medical indemnity GPs, specialists, dentalHow it works
Three steps. A broker if you want one.
No call-centre queue and no repeating yourself to five insurers. The platform does the legwork, and a licensed broker is one tap away at every step.
Tell us about your business
Your occupation tells us straight away whether you can compare online or a broker is the better fit. Then pick your covers.
Compare your covers
Each cover is compared across the insurers on our panel, and your quotes arrive by email. Each cover is its own policy.
Choose your policies
Choose the insurer you want for each cover, after reading the PDS. Each certificate of currency arrives by email.
Guides
Straight answers for business owners.
How much does public liability insurance cost in Australia?
What drives the price, how limits change it, and ways to pay less without cutting cover.
Cover explainedPublic liability vs professional indemnity: which do you need?
One covers injury and damage, the other covers your advice. Plenty of businesses need both.
Starting outJust got your ABN? Do you need business insurance?
What’s compulsory, what a head contractor will ask for, and what can wait.
FAQs
Questions, answered.
Can’t find yours? A broker can answer it in a couple of minutes.
How much does public liability insurance cost in Australia?
It depends on your occupation, turnover, claims history and the cover limit you choose. Higher-risk trades pay more than low-risk occupations, and a $20 million limit costs more than $5 million. Comparing quotes is the quickest way to see what your business would pay.
What’s the difference between public liability and professional indemnity?
Public liability covers claims for injury to people or damage to property caused by your business activities. Professional indemnity covers claims that your advice or professional service caused a client a financial loss. Many consultants and allied health professionals hold both.
Can I compare workers compensation insurance?
In Western Australia, Tasmania, the Northern Territory and the ACT you can choose a private workers compensation insurer, so quotes can be compared. New South Wales, Victoria, Queensland and South Australia run state schemes, and we can help you register with the right one.
Can I get quotes for more than one type of insurance at once?
Yes. Pick every cover you need, for example professional indemnity and a business insurance pack, and answer one set of questions. We compare each policy across our insurer panel and you choose the best insurer for each.
Do I have to talk to anyone?
No. Request your quotes online and they arrive by email. A licensed broker only calls if you ask, or if one of your covers needs an underwriter to review it.
Does Compare Insure compare every insurer?
No. No comparison service covers the whole market. We compare the insurers on our panel, and any sponsored placement is clearly labelled.
What does business insurance cover?
Business insurance is a group of separate policies. Public liability covers injury or damage you cause to other people, professional indemnity covers claims about your advice or service, and a business insurance pack covers your premises, stock and income after an insured event. Tools, vehicles, cyber and workers compensation are separate covers you add as you need them.
Is workers compensation compulsory in Australia?
Yes, once you employ workers, in every state and territory. Each state runs its own scheme with its own rules and thresholds, so check the rules where your workers are based. Workers compensation is arranged through a licensed broker.
What are the main types of business insurance?
Most small businesses start with public liability, professional indemnity if they give advice, and a business insurance pack for their premises and stock. Workers compensation is compulsory once you employ, and tools, commercial motor and cyber are common additions.
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