Finder makes money from featured partners, but editorial opinions are our own.

Compare business insurance

Compare business insurance in Australia the easy way. Get instant quotes online or connect with one of our expert brokers.

Get Quotes Online

Name Product Business Property Business Liability Business Interruption Business Theft Business Glass Business Vehicle Business Cyber
Youi Small Business Insurance
Elders Business Insurance Business Cover
QBE Business Insurance
upcover Business Insurance
imar Small Business Insurance
Express Business Insurance
Express Business Insurance

Why compare business insurance with Finder?

  • You pay the same price as buying directly from the business insurer.

  • We're not owned by an insurer (unlike other comparison sites).

  • We've helped over 30,000 businesses find cover.

How does business insurance work?

You pay a regular fee and in exchange you'll get financial help in heaps of untoward situations. That could be anything from burglary and storm damage, through to legal costs and compensation if you find yourself on the wrong end of a lawsuit.

One of the best bits of business insurance is that you can pick and choose which types of cover you want. Don't have any stock? Scrap commercial property. Worried about an online hack? Add cyber insurance.

When you're running your own business, it can sometimes be hard to see the forest for the trees. An expert can help you identify the risks associated with your specific business and make sure you're covered if something goes wrong.

Learn more about
business insurance

Our guides can help you compare and understand the type of cover you need for your business.

Expert man icon

Professional indemnity
Covers legal costs and compensation if your business gives inaccurate advice or poor service to a customer who later sues.


Public liability
Covers legal costs and compensation if you cause injuries to someone or damage their property.


Cyber liability insurance
Covers recovery costs if you're the target of a cyber attack, as well as legal fees if the breach results in a lawsuit.

Back to top

Which types of business insurance do you need?

If you're not sure which type of business insurance you need, we suggest chatting with an expert broker who will be able to help. However, we created the table below as a quick guide.

TypeIf your business...You run the risk of...Insurance can help you with...
Commercial property
  • Has a physical location or stock
  • Property damage due to theft, fire, water, storms, impact and more
  • The cost of repairs or replacement
Professional indemnity
  • Gives advice or provides a service
  • A customer filing a lawsuit if you give incorrect or misleading advice
  • Legal fees, investigation costs and compensation
Product liability
  • Creates and sells any product
  • That product injuring someone or causing property damage
  • Legal fees, investigation costs and compensation
Public liability
  • Has a physical location or comes into contact with people in any way
  • A person being injured or killed due to your business activity or premises
  • Legal fees, investigation costs and compensation
Business interruption
  • Requires a certain location, certain equipment or even just certain circumstances to operate
  • Your business being unable to operate if something disrupts the basic requirements
  • Covering the cost of lost income
  • Has any online involvement
  • Cyber attacks, leaked customer information, ransom demands
  • Data recovery, expert consultants, legal fees and compensation

Is business insurance compulsory?

  • Public liability insurance and professional indemnity are compulsory for certain professions. Without it, you may not be able to operate with a full licence.
  • Different states set requirements for liability insurance, as do professional associations and licensing bodies. Some even set minimum requirements for the amount of insurance needed.
  • Many businesses will require that their suppliers or service providers have business insurance as part of their contract.

If you employ at least 1 person, it's very likely you will need workers compensation insurance. Read specific requirements here.

Frequently asked questions about business insurance

To make sure you get accurate and helpful information, this guide has been edited by Moira Daniels as part of our fact-checking process.
Gary Ross Hunter's headshot
Editor, Insurance & Innovations

Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

Gary Ross's expertise
Gary Ross has written 730 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living

Read more on this topic

  • upcover business insurance review

    upcover is all about straightforward business insurance for independent workers and small businesses.

  • Elders Farm Insurance

    Find out how Elders Business Insurance might be right for you.

  • How to find cheap truck insurance in Australia

    Complete guide to getting insurance for trucks in Australia.

  • Aon professional indemnity insurance

    Aon, a global insurance company with a wealth of experience, offers professional indemnity insurance cover to suit an extensive range of professions.

  • Business insurance for importers

    What is importers insurance? Find out why it's essential if your business imports products to Australia.

  • CGU Business Insurance

    Receive quotes for CGU Business Insurance and apply for cover securely with the help of an adviser. Find out what's covered under each policy.

  • Insurance for personal trainers

    Personal trainers should consider a range of insurances, including professional indemnity, public liability, and life insurance.

  • Voluntary workers insurance

    Find protective cover for volunteer workers from Australian insurance brands. Find out what is covered and excluded under voluntary workers insurance.

  • Construction Insurance

    Construction all risk insurance offers protection for damage to your construction project as well as injury/damages to third parties.

  • Product Liability Insurance

    When faulty products cause injury or loss, your business needs to protect itself with product liability insurance. Learn how product liability cover works and get quotes.

Go to site