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imar business insurance review

Imar offers legal liabilty cover of up to $20 million and a host of different insurances you can shape to the needs of your business – even if it’s a business of one.

What you need to know

  • With imar, a large range of cover options are available for both sole traders and those who own larger businesses.
  • Insurance plans can be customised to meet specific requirements, meaning you only pay for services you actually need.
  • imar does not issue business insurance. Instead, it works with a range of insurers and underwriters to arrange cover on your behalf. does not currently have access to this insurance provider. You may wish to receive a quote from one of the insurers listed on the homepage.

Who is imar?

imar is a general insurance broker with more than 35 years of experience in helping tradies and small business owners in Australia to find suitable coverage. In 2014, imar became part of the Gallagher Group, a global insurance broker.

What features are available?

  • Public liability. You’ll be covered for the high cost of legal expenses resulting from damages to someone's property or if someone gets injured due to your work. While its name implies the general public, this type of business cover extends to your customers and suppliers too. Imar offers cover of up to $20 million and tax audit cover for up to $10,000.
  • Injury & illness. If you’re not covered by a state-based workers’ compensation scheme, then sickness and accident insurance could help you out. imar offers waiting periods from 14 days, after which you could get your first payment while on a claim. Its benefit period – the amount of time you could be paid for – is between 1 and 5 years. There’s an option to get ‘injury only’ cover only. This can help you manage your insurance costs.
  • Tools insurance. Get peace of mind that you can replace your all-important tools if they get stolen. With imar, this can extend to mobile phones, laptops, and portable GPS devices. You can also get cover for hired goods, of up to $5,000. Read more on how tool insurance works.
  • Builders. Choose from specific products which are aimed to address the needs of building businesses. This can include large machinery and plant equipment, as well as theft or damages on-site. But it also covers personal insurance for workers, such as income protection or Total and Permanent Disability (TPD) insurance.
  • Small business insurance. Imar offers a range of different products tailored to meet the needs of small businesses. This includes cover for vehicles against damage or loss, and cyber insurance to financially protect you in the event of a cyber hack.
Make sure you read the PDS
2022 Finder research shows that 23% of Australians can't be bothered reading the PDS. It may be boring but it's worth it in the long run.

Making a claim

Customers of imar get the peace of mind that comes with 24/7 claims processing. This can help you manage some of the stress if something goes wrong.

If you need to make a claim during business hours, between 8:30am and 5:00pm (Mon-Fri), call 1300 568 521. At any other time, you can call 1800 254 287.

Make sure you provide any information or supporting documents as soon as possible after they are requested, so there’s no delay with your claim.

Frequently asked questions

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