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QBE Business Insurance Review

QBE Business Insurance is good if you want a green insurer with a global presence.

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Green Insurer of the Year 2022

QBE is our Finder Green Awards winner this year. A portion of your premiums go towards a social or environmental cause and it's on target to be a net-zero emissions organisation by 2030.

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Our Verdict

  1. QBE is Finder's Green Insurer of the year 2022, it was the 2021 finalist and 2020 winner, so in short, it's basically a good option if you care about the environment and the future.
  2. It's good if you want an insurer with a global presence and strong financial stability.
  3. QBE has had some poor feedback on customer review websites we looked at in recent months and years.

Review by our insurance and innovations editor Gary Ross Hunter

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Name Product Earthquake and Volcanic eruption Riots and strikes Vandalism Accidental damage
QBE Business Buildings and Contents Cover
Name Product Personal injury Public liability Legal costs Levels of cover
QBE Business Liability
$5 million
$10 million
$20 million
Name Product Computer installation Documents temporarily removed Re-writing of records Additional increased cost of working Rent Default
QBE Business Interruption Cover
Name Product Theft without forcible entry Employee’s tools and equipment Replacement of locks, keys and combinations Rewriting records Theft in the open air
QBE Business Theft Cover
Name Product Replacement cost Cost of temporary shuttering Damage to property Spoilage of stock due to glass breakage
QBE Business Glass Cover
Name Product Travellers’ money Counterfeit currency Safes, strongrooms, automatic teller machines Credit cards and electronic funds
QBE Business Money Cover
Name Product Individual Item Limit Loss or damage Unmanned aircraft systems
QBE Business Portable Items Cover

Why choose QBE?


Range of Cover Options

No matter how big or small your business may be, QBE has a variety of insurance products designed to suit myriad insurance requirements. This includes liability cover, professional indemnity insurance, trade credit insurance, accident & health insurance, commercial motor insurance, property insurance and many more.

Claims form

Efficient Claims Process

Claims are handled efficiently and QBE aims to become the ‘first choice’ in insurance for all Australians. Being named General Insurer of the Year by the National Insurance Brokers Association from 2002 to 2012 is testament to QBE’s success.

***Customer Service***

Superior Customer Service

The company prides itself on delivering professional and friendly customer service and aims to build strong relationships with its customers and the wider community. QBE is a trusted name in the insurance business and has been offering its suite of products for well over 100 years.

What types of Business Insurance does QBE offer?

As one of the most prominent insurers in Australia, QBE provides business insurance across a range of industries, as well as small business insurance packs.

Depending on your business needs, you can get both industry-specific and general cover types for your business, including:

Accident & Health

QBE Accident & Health insurance provides cover for individual employees and groups of employees against injury and illness. Individual workers, including employees and small business owners, can be covered, while group accident cover can also be obtained. You can also take out cover for expatriate employees, business travellers, voluntary workers and employees travelling to and from work.

Aviation Insurance

QBE offers a number of aviation insurance products, most of which are designed for general aviation in Australia, New Zealand, Asia and the Pacific. QBE is Australasia's largest aviation insurer and provides comprehensive cover for any type of aircraft, as well as liability coverage for private pilots, charter operators and flying schools. Other products available include Aircraft Aerial Application Liability, Hangarkeeper's Liability and the Aviation Business Pack.

Business insurance packages

QBE's business insurance packages can include cover for:

  • Public liability insurance of between $5 million and $50 million
  • Business interruption
  • Damage at the business location
  • Damage to specified property
  • Machinery or electronic equipment breakdown
  • Property in transit
  • Theft
  • Damage to glass
  • Legal action by employees (Employment Practices)
  • Legal action by government (Statutory Liability)
  • Tax audit by government

Commercial Property Insurance

This provides cover for your business' physical assets, including stock, buildings, furniture, fixtures and more.

Commercial Vehicle Insurance

Vehicles are some of the most important assets belonging to many businesses, offering much-needed mobility and essential convenience for day-to-day business operations. QBE's Commercial Motor insurance covers you against the loss, damage or theft of work vehicles to minimise the disruption to your business. Protection is also available for property damage, towing costs, theft recovery costs and more.

Construction & Engineering Insurance

QBE offers a range of insurance options to the construction and engineering sector, providing comprehensive coverage for a wide range of risks. These include construction liability, contract works, plus machinery and electronic equipment failure.

CTP Business Insurance

All registered vehicles in Australia require CTP insurance, and QBE offers specialised CTP cover for your business vehicles. This product is available for NSW and Queensland drivers.

Farm Insurance

QBE's range of Farm Insurance products provides cover for everything from small hobby farms to large-scale operations. Farm Pack Personal Insurance includes home and contents, motor vehicle, personal accident and sickness. Small farm insurance includes home and contents, farm property, horses, pumps and motor vehicles. Farm Pack Business Insurance includes property cover, business interruption, machinery, livestock cover and farm liability.

General Liability Insurance

Defending yourself against third-party claims of injury or property damage can be costly and stressful. Having QBE liability cover in place offers security and peace of mind, covering you against legal liability. You can choose general public and products liability cover or a comprehensive policy or tailor one to your needs.

Home and Builders' Warranty Insurance

This type of cover provides the protection Australian licensed builders and owner builders need to meet government regulations. As insurance regulations vary from one state or territory to the next, this cover is offered through intermediaries and can be tailored to suit your needs.

Marine Insurance

QBE has worked as a specialist marine insurer for more than 100 years. It offers cover for both conventional and specialised cargo, commercial hull, liability and pleasure craft. Worldwide cover is also available.

Multinational insurance

QBE's provides tailored multinational insurance where you are assigned a team of experienced individuals including a senior dedicated underwriter, client manager, claims manager, senior case handler, relationship manager and a risk solutions team member to run day-to-day operations.

Professional Liability & Indemnity Insurance

If you offer professional advice or a professional service to your client, this type of cover is designed to protect you against claims you have breached your duty. Lawsuits can be costly to defend or settle and damaging to your reputation, so Professional Liability Insurance is vital for many businesses. QBE has an extensive range of cover to choose from, including everything from Medical Malpractice Insurance to Professional Indemnity Insurance.

QBE Surety Bonds

QBE offers surety bonds as an alternative to bank guarantees, giving you access to capital without having to worry about offering an asset as security or influencing your credit lines. Contract Bonds and Commercial & Deposit bonds are available.

Strata insurance

QBE's residential and commercial strata insurance provides help to Owners Corporations when things go wrong to strata title property, covering you for things like emergency and temporary protection, temporary accommodation, rent and storage, theft from common areas and more. Some other common types of cover include:

  • Building damage
  • Government audit costs
  • Office bearers' legal liability
  • Fraudulent misappropriation of owners corporation funds
  • Removal and storage of insured property due to damage
  • Damage to common area contents
  • Indemnity for personal injury or property damage liability
  • Machinery breakdown
  • Voluntary workers
  • Legal defence expenses

Trade Credit Insurance

Trade Credit Insurance is designed for businesses who sell products or services on credit terms. These businesses have a lot of capital stuck in accounts receivable, so this type of cover offers protection against losses caused by insolvency or protracted default.

Workers compensation insurance

Workers Compensation insurance is compulsory for the majority of employers in Australia and can help cover workers' medical expenses, rehab and loss of earnings if they're injured in a work-related incident. QBE's policy provides cover for this and access to a national network of Workers Compensation experts, as well as training programs, self-insurance services and risk management advice.

Transport Operators Policy

This product is designed for transport operators who would like to combine Commercial Motor Insurance with Marine Carriers and Liability protection in the one product.

What is QBE Business Pack Insurance?

QBE offers business pack insurance is designed to flexibly offer cover for situations from business interruption to machinery breakdown to government investigation. These are generally meant as all in one small business insurance and medium sized business insurance, to deliver peace of mind.

Office package. Insurance package for professional services providers, such as consultants, surgeries and many more.
Trades package. Industry-specific cover for hazards encountered by tradespeople, with extra cover available for motor trades, Victorian licensed plumbers and Queensland and Tasmanian electrical contractors.

Which industries can use QBE business pack insurance?

Generally, most small or medium sized businesses in most industries can find cover with QBE business packs, including:

  • Construction
  • Importing
  • Manufacturing
  • Wholesale trading
  • Retail
  • Cafes and restaurants
  • Accommodation and hospitality
  • Property
  • Property management
  • Health and community services
  • Recreation and entertainment

QBE Business Insurance Claims

The QBE Business Insurance claims process is simple and straightforward, with claims assistants available to answers your questions 24 hours a day.

When you do file a claim, make sure that you have all pertinent information the claims assistant may require, ready and at hand. This information may include:

  • Policy number
  • Contact details
  • The type of claim you are filing such as theft or fire
  • Any details of other parties involved
  • Police report (if applicable).

The claims representative may require more information and you will be required to provide them with it as soon as possible.

Talk to a broker about QBE business insurance

Why do I need to speak to a broker to get a quote? works with a qualified broker to get quotes for QBE Business Insurance. A broker can take you through the application process and help you with any back and forth with an insurer if you need to make a claim.

Frequently asked questions

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Written by


Alex Reid is Finder’s business insurance cadet. He has a Master of Marketing from the University of Technology Sydney, with a background in business and sales. When not writing about business insurance for Finder he's a keen scuba diver, recently completed his 200th hour underwater and his PADI Divemaster certification. Before working at Finder he lived in Hangzhou China, where he studied Mandarin and Chinese culture. See full bio

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