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Business insurance in Western Australia
Business insurance in Western Australia follows the same covers as the rest of the country, with WA rules on top: workers compensation through an insurer approved by WorkCover WA, home indemnity insurance on residential building work, council limits in Perth and 10% insurance duty. Here’s what applies, and where to compare each cover.
- WA rules in one place
- Public liability, packs and tools online
- No phone number needed to request quotes
What insurance does a WA business need?
Most WA businesses hold public liability, 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, your lease and your licence.
The ABS counted 278,520 actively trading businesses in Western Australia at 30 June 2026, up 4.6% 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 workers, CTP with your vehicle registration, and home indemnity insurance on residential building work over $20,000.
WA rules worth knowing
| Rule | What it means | Who it applies to |
|---|---|---|
| Workers compensation | Employers insure through an insurer approved by WorkCover WA, directly or through a broker | Anyone who employs workers |
| Home indemnity insurance | Taken out in the owner’s name before you accept any payment or start work, on residential building work over $20,000 | Registered builders doing residential work |
| Outdoor dining in Perth | The City of Perth asks for $20 million for any single occurrence, from an APRA-authorised insurer, with the City’s interest noted | Cafés, restaurants and street traders |
| Insurance duty | WA insurance duty is 10% of the premium | Every business policy |
| Rental rules | Since 29 July 2024, rent can rise once every 12 months, and pets are allowed in most cases with the landlord’s permission | Landlords |
Compare each cover
Start with the cover your contract, lease or licence asks for, then add the rest in the same request.
WA industries we cover
Every industry page shows whether you can compare online or a broker arranges it.
How to compare business insurance in WA
Business insurance in WA: questions
Is business insurance compulsory in WA?
Workers compensation is, once you employ workers, through an insurer approved by WorkCover WA. CTP comes with registration, and home indemnity insurance is required on residential building work over $20,000. Other covers are set by contracts, leases, licences and councils.
Is there stamp duty on business insurance in WA?
Yes. WA insurance duty is 10% of the premium.
How much public liability does the City of Perth ask for?
The City of Perth asks for $20 million for any single occurrence for outdoor dining, with the City’s interest noted. Other councils set their own limits.
Who provides workers compensation in WA?
Insurers approved by WorkCover WA. You can approach one directly or use a broker.
Can I compare WA 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
- WorkCover WA: Engaging a licensed insurer
- WA Government: Home indemnity insurance fact sheet
- City of Perth: Outdoor dining guidelines (2024)
- WA Government: Insurance duty
- Consumer Protection WA: WA rent reforms
- business.gov.au: Types of business insurance
- ABS: Counts of Australian Businesses, including Entries and Exits, July 2022 to June 2026
Western Australia