Business Insurance
The resource of choice for the country’s most forward-thinking insurance professionals.
The resource of choice for the country’s most forward-thinking insurance professionals.
Business Insurance
Rely On A Reputable Insurance Broker
What is a Business Insurance?
A Business Insurance Policy is a comprehensive set of covers, designed to offer protection for many aspects of your business.
This includes cover for things like being sued, having your property vandalised or broken into, stolen money and stock, loss of income if a disaster causes you to close, or the breakdown of your equipment.
In Australia, more than three quarters of businesses are underinsured, and less than 40% of businesses survive past their first 3 years of operation. Insurance helps you to reduce the strain unforeseen circumstances can put your business under.
What does business insurance cover?
Business insurance provides cover in sections, which we’re able to add, remove, or customise the amounts of each you need. This allows a business insurance pack to protect you and your investment adequately and cost-effectively.
Property Damage
Repair or replacement of your building, stock or contents damaged.
Business Interruption
Helps pay your bills if damage or loss impacts your ability to trade.
Theft
Allows you to recoup damage or losses from burglary and theft.
Money
Cover for business cash on-premises and while in transit.
Breakdown
For unexpected breakdown of machinery or computer equipment.
Liability
Covers defence and legal costs as well as settlements if you're sued.
Glass
Replacement or repair of your premises' glass (may include signage).
General Property
Cover for portable tools or electronics you take with you on the go.
Tax Audit
Covers the costs of professional fees associated with being audited.
Get started with Business Insurance
Get business insurance that is fit-for-purpose so you can run your business confidently.
Business Insurance claim example
Rohan owns a shop in the city. One night a water pipe bursts, filling the building with water and damaging his stock.
Even worse, the building must be evacuated and renovated to repair all the water damage. This means that Rohan is unable to trade for six weeks.
Rohan’s business insurance covers the cost of the renovations. And, because he has business interruption insurance, he receives a payout to cover the income lost while he’s unable to trade.
Why Choose CIB?
Consolidated Insurance Brokers can help by placing you with the best policy for your needs. We’ll find you the most competitive rate possible, and offer advice to ensure your insurance protects what matters.
Our Expertise
Committed to finding you the best insurance solution, our team of knowledgeable insurance brokers will get you the best price available
Your Partner
Safe time and effort by letting our team of expert insurance brokers do the work for you, we can manage your insurance on your behalf.
Clear Terms
We will put an end to the endless jargon, we can help you understand your quotes and policies in clear terms.
Full Cover
We are able to access insurance policies that are not available when buying direct, allowing us to get you a more comprehensive cover and better benefits.
What our clients have to say
109 James St, New Farm
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Clayton Rowlings did a wonderful job for me. He's very knowledgeable on everything about insurance. He's also an excellent communicator, being able to listen and understand my needs and then advise me accordingly. … More He got me a deal about 30% cheaper than the one I got from my existing stockbroker. This occasion of getting an insurance quote was the best experience I have ever had so far in my lifetime and I'm 67 years old!
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I cannot recommend Aimee Spencer highly enough. She didn't just sell me a policy; she genuinely cared about understanding my specific coverage needs. Not only did Aimee take the time to genuinely understand my specific … More coverage needs, but she proactively ensured all necessary documentation was issued and delivered well ahead of my deadline. If you are looking for an insurance broker who is competent, caring, and truly operates with your best interest in mind, look no further.
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I couldn't be happier with the professionalism and high service standards I've experienced since first contacting CIB back in March 2025 for an insurance quote.I have been assisted by Tracey Eaton who is always … More at the end of the phone when I call or quick to respond on the off chance she's not available.Tracey is very friendly, patient, informative and knowledgable. She is authentic and from my initial contact (and further ones since) Tracey goes to the lengths necessary to answer all my questions by explaining and adding extra information, or providing examples in straightforward terms, and conducts any follow up very promptly and effectively.My insurance need wasn't for a common residential property, and staff at numerous other insurance companies I'd approached didn't know if they could arrange cover or couldn't.By the time I'd got CIBs contact info I was frustrated, skeptical and I didn't have confidence I was going to find an insurance product I was after.Straight away Tracey said she was pretty sure she could find an insurer who would be able to offer me insurance, as she was aware coverage in the past had been' obtained for similar properties and circimstances. Within a short time she was back in contact confirming it was possible.Subsequent quotes were reasonable and provided options, and the policy statement info was easy to understand.After many dead-ends with a lot of enquiries I'd made of other insurers, previously, and a lot of wasted time and dealing with other people nowhere near as interested to help or knowledgeable about available imsurers ... my contact and experience with Tracey and CIB was so easy, hassle free and re-assuring. I ended up with everything I needed and for a competitive premium.A couple of other employees of CIB who I've also spoken to, including Mark McGuire, have been just as helpful, interested and committed to providing great communication and assistance to me.It's evident the employment standards, training and management support or practices result in recruiting good people, who enjoy their job and are good at it.I couldn't be more satisfied and I believe I'm in good hands. I continue to receive fast, friendly, genuine assistance on the couple of occassions I've had further contact since taking out my policy.Thanks Tracey and to your colleagues, you display a passion and commitment to present the best side of the insurance industry, in the best interest and for benefit to your client.I hope many other people get to have the same positive experience as I have.
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Alison Never at Consolidated Insurance Brokers was exactly what I needed. I received very clear advice and support from her regarding my insurance inquiries. I highly recommend taking the time to talk with Alison you won’t … More be disappointed.Thank You so much Alison for helping me purchase the appropriate insurance for my investment. Excellent Service and Professionalism.Regards Niki and hubby
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Tracey Eaton
How can we help?
With over 15 years’ experience helping Australian businesses and individuals, CIB is an established brokerage that delivers the best cover possible at the most competitive price.
Our team of brokers have the knowledge and experience to ensure you get the most out of your insurance cover.
Insurance can be complex. We aim to simplify it so you can understand and be confident in your cover without stressing about the fine print.
We can help you tailor a business insurance package that is fit-for-purpose so you can run your business confidently.
Frequently Asked Questions
There are many benefits of using a broker over buying directly from the insurer. Insurance brokers:
- Work on your behalf to secure you better protection through their negotiating power
- Help you understand your risks and empower you to make better life / business decisions
- Ensure insurers are held accountable to their promise to protect what you value during claims
- Save you time and money by taking care of comparing and customising policies for your needs
If you have complex business needs, or are uncertain of what covers you require, working with a broker will help you.
Every business is unique and has special requirements. Your broker will look at your business activities, assets, and staffing to help determine which business insurances are appropriate for you.
Generally speaking, all businesses should have some sort of Public Liability insurance cover as a minimum.
No Obligations, Completely Free
Get a Quote Today
Talk today with our team to find the right kind of insurance that will suit your needs.