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Personal and business insurance can help households, professionals and business owners manage the financial impact of property damage, illness or liability claims. Understanding cover types, excesses and replacement costs can help you identify gaps and weigh costs against protection. Explore our insurance articles, guides, calculators and news ... or connect with an insurance broker from our Australia-wide referral partner network who can discuss your needs and compare available rates and options.

  • Private and Commercial Vehicle Insurance
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  • Business and Personal Insurance
  • Farm and Livestock Insurance
  • Cyber Liability Insurance

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Podcast Cover Image This week: SME cyber insurance premiums are easing and policies are simpler, but uptake remains low. The ACCC pushed its decision on IAGs proposed RAC Insurance takeover to 1 February with remedies on access and pricing in WA. ARPCs annual report shows two terrorism declarations and a busy cyclone season, reinforcing the need to review cover ahead of summer. A life insurance review urges earlier information requests to speed up income protection and TPD claims. Listeners are invited to compare policies and seek broker help at insuranceonline.com.au.

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Explore your public liability insurance needs with our Public Liability Insurance Calculator. Estimate potential cover amounts for your business and explore how different liability risks, business circumstances and coverage assumptions may influence the results.

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    Insurance News

    Life Claims Review Puts Communication Back in Focus
    Life Claims Review Puts Communication Back in Focus
    04 Nov 2026: Paige Estritori
    A new Life Code Compliance Committee inquiry has sharpened attention on how life insurers manage longer-running total and permanent disability and income protection claims, finding that earlier information requests and clearer communication could reduce avoidable delays for people already dealing with illness, injury or loss of income. - read more
    Stronger Insurance Code Moves Closer to Approval
    Stronger Insurance Code Moves Closer to Approval
    28 Oct 2026: Paige Estritori
    Australia's general insurance industry has moved a step closer to a more enforceable customer service framework, after the Insurance Council of Australia submitted a strengthened General Insurance Code of Practice to ASIC on 22 October 2026. The redrafted code is not yet in force, but it signals a meaningful shift in how insurer promises on claims, hardship, vulnerability and accountability may operate once approved and transitioned into new and renewed policies. - read more
    What the Cyclone Pool Review Means for Insurance Buyers
    What the Cyclone Pool Review Means for Insurance Buyers
    16 Sep 2026: Paige Estritori
    Australia's cyclone reinsurance pool is again in the spotlight, with a fresh review sharpening attention on whether the scheme is delivering meaningful premium relief for households and small businesses in cyclone-exposed regions. The issue matters well beyond northern Australia, because it sits at the centre of a broader national challenge: how to keep insurance available, affordable and useful as severe weather risk becomes more costly to price. - read more
    Why the Latest Affordability Warning Matters for Insurance Buyers
    Why the Latest Affordability Warning Matters for Insurance Buyers
    19 Aug 2026: Paige Estritori
    Australia’s insurance affordability challenge is again in focus, with fresh industry attention on households and small businesses that are struggling to absorb higher premiums in areas exposed to flood, storm, cyclone and bushfire risk. The latest discussion is not simply about prices rising at renewal time. It points to a broader problem: when cover becomes harder to afford, more people are tempted to reduce protection, raise excesses or walk away from insurance altogether. - read more
    Severe Weather Claims Are a Reminder to Recheck Your Cover
    Severe Weather Claims Are a Reminder to Recheck Your Cover
    12 Aug 2026: Paige Estritori
    Australia's latest severe-weather claims updates are a timely reminder that insurance resilience is tested long before a claim is lodged. As insurers continue working through damage from recent storms, floods and cyclones, the bigger message for households and business owners is clear: cover needs to be practical, current and matched to real replacement costs. - read more
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    Insurance Articles

    Business Insurance in Australia: How to Check Your Cover
    Business Insurance in Australia: How to Check Your Cover
    Business insurance can help protect an Australian business from financial loss caused by property damage, liability claims, interrupted trading, employee injuries and other insured events. This guide explains common cover types, how to assess your risks, what to check in policy documents and when to review or seek professional guidance. - read more
    How to Compare Insurance Providers in Australia
    How to Compare Insurance Providers in Australia
    Comparing insurance providers in Australia means looking beyond premiums to cover, exclusions, excesses, claims support and the pathway you use to get quotes. This guide explains how to compare insurers and the practical differences between using a broker, a comparison website or going directly to an insurer. - read more
    Business Insurance in Australia: A Practical Guide for Entrepreneurs
    Business Insurance in Australia: A Practical Guide for Entrepreneurs
    Business insurance can help Australian entrepreneurs manage financial risks linked to accidents, property damage, professional services, business disruption and emerging threats such as cyber incidents. This guide explains the main cover types, key policy terms and practical steps for comparing options without treating insurance as a one-size-fits-all decision. - read more
    How Insurance Claims Work in Australia: Steps, Documents and Common Issues
    How Insurance Claims Work in Australia: Steps, Documents and Common Issues
    Insurance claims can involve several stages, from notifying your insurer and providing documents to assessment, settlement and dispute resolution. This guide explains the general Australian claims process for personal and business insurance customers. - read more
    How to Compare Life Insurance Policies in Australia Without Overpaying
    How to Compare Life Insurance Policies in Australia Without Overpaying
    Life insurance can help provide financial protection for loved ones if the insured person dies or, where included, is diagnosed with a terminal illness. Comparing policies is not just about finding the lowest premium; it is about understanding the cover amount, policy terms, exclusions, fees and long-term affordability before deciding what may suit your circumstances. - read more

    Knowledgebase
    Proximate Cause:
    The primary cause of loss in an insurance claim, which sets in motion a chain of events leading to the damage or injury.

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