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Business insurance in Queensland
Business insurance in Queensland follows the same covers as the rest of Australia, with Queensland rules on top: WorkCover Queensland, the QBCC home warranty scheme, council permit limits and 9% insurance duty. Here’s what applies, and where to compare each cover.
- Queensland rules in one place
- Public liability, packs and tools online
- No phone number needed to request quotes
What insurance does a Queensland business need?
Business Queensland lists public and product liability among the insurances a business may be required to hold, alongside workers compensation and compulsory third party. Beyond those, most Queensland businesses hold a business pack for their premises and stock, tools cover if they work on site, and professional indemnity if they give advice. Which ones apply depends on what you do, your contracts and your licence.
The ABS counted 543,277 actively trading businesses in Queensland at 30 June 2026, up 3.7% in a year, and about two thirds of Australian businesses have no employees. Most of the requests for a certificate of currency described below come from that base of small operators.
The compulsory ones are workers compensation once you employ staff, CTP with your vehicle registration, and the home warranty premium on residential building work over $3,300.
Queensland rules worth knowing
| Rule | What it means | Who it applies to |
|---|---|---|
| WorkCover Queensland | Employers must insure workers with a WorkCover Queensland accident insurance policy, unless they’re an approved self-insurer. | Anyone who employs workers |
| Queensland Home Warranty Scheme | The QBCC premium is compulsory on residential construction work over $3,300. | Licensed contractors doing residential work |
| Electrical contractor licence | WorkSafe Queensland requires electrical contractors to hold public liability of at least $5 million. | Electrical contractors |
| Council permits | Brisbane City Council asks for proof of $20 million public liability for a footpath dining permit, with Council named as an interested party. | Cafés, restaurants and street traders |
| Insurance duty | Queensland insurance duty is 9% of the premium paid, including GST, with no small business exemption. | Every business policy |
Compare each cover
Start with the cover your contract or licence asks for, then add the rest in the same request.
Queensland industries we cover
Every industry page shows whether you can compare online or a broker arranges it.
How to compare business insurance in Queensland
Business insurance in Queensland: questions
Is business insurance compulsory in Queensland?
Workers compensation is, once you employ staff, through WorkCover Queensland. CTP comes with registration. The home warranty premium is compulsory on residential building work over $3,300. Other covers are set by contracts, licences and councils.
Is there stamp duty on business insurance in Queensland?
Yes. Queensland insurance duty is 9% of the premium paid, including GST, and there’s no small business exemption like the one in NSW.
How much public liability does Brisbane City Council ask for?
Brisbane City Council asks for proof of $20 million public liability for a footpath dining permit, with Council named as an interested party.
Do Queensland electricians need public liability?
Yes. WorkSafe Queensland requires electrical contractors to hold public liability of at least $5 million as a licence condition.
Can I compare Queensland business insurance online?
Public liability, professional indemnity, business packs, tools, cyber and single-vehicle motor can be compared online. Workers compensation, landlord and contract works are arranged by a broker.
Keep reading
More by state
Sources
- Business Queensland: Business insurance
- WorkSafe Queensland: Who needs workers’ compensation insurance?
- QBCC: Who pays home warranty and when
- WorkSafe Queensland: Electrical contractor licences
- Brisbane City Council: Footpath and outdoor dining permits
- Queensland Revenue Office: Insurance duty rates
- business.gov.au: Types of business insurance
- ABS: Counts of Australian Businesses, including Entries and Exits, July 2022 to June 2026
Queensland