Business and commercial insurance

Buildings and property

• Commercial Building Insurance Australia

  Own a commercial building? Find out whether your sum insured would actually rebuild it. Talk to a broker on 07 3292 1111.

• Commercial Property Insurance Australia

  Own or work from an office, retail shop, warehouse or industrial building? See which covers are yours to hold: building, fitout, stock, rent and liability.

• Commercial Landlord Insurance

  Plenty of landlord policies get the building roughly right and quietly shortchange the other two. This page is about all three.

• Commercial Strata Insurance

  Your body corporate usually insures the building. That does not mean you are covered. Consolidated Insurance Brokers explains what strata leaves out.

• Residential Strata Insurance

  Residential strata insurance for duplexes, townhouses and apartment schemes. We compare cover, sums insured and optional protections across the market.

• Industrial Building Insurance Australia

  Some insurers won't quote a building with sandwich panel walls or an asbestos roof. We place the ones others decline.

• Warehouse Insurance Australia

  Your business runs out of a warehouse? Contents and stock insured as one figure, at what it would cost you to buy again. Talk to a broker on 07 3292 1111.

• Property Owners Liability Insurance Australia

  Courts can split a payout between everyone who shares responsibility. Owning the building is enough to get you named in a claim you had nothing to do with.

• Contract Works Insurance for Building Owners

  Having work done on a building you own? Whose name is on the contract works policy decides who gets paid. Talk it through on 07 3292 1111.

Your industry

• Commercial Insurance Australia

  Commercial insurance covers larger operations, commercial property and vehicle fleets. Here is what it includes and how it differs from business insurance.

• Business Insurance Australia

  Business insurance in Australia is not one policy. Consolidated Insurance Brokers walks business owners through the covers that matter and the ones that do not.

• Office Insurance Australia

  Office insurance is a business pack shaped for an office: fit-out and contents, the gear that leaves the building, glass, theft and lost income.

• Retail Insurance Australia

  Retail insurance for shops: your fit-out, stock, contents and the income that stops when you cannot open. Your landlord insures the walls, not your shop.

• Trades Insurance Australia

  Trades insurance is the public liability, tools, vehicle and income cover built for people who work with their hands on other people's property.

• Motor Trade Insurance Australia

  Motor trade insurance for mechanics, repairers, panel shops and mobile operators. We check what your policy does with customers' vehicles in your care.

• Construction Insurance Australia

  Construction insurance for builders, subcontractors and owner-builders. Consolidated Insurance Brokers explains what it covers, who arranges it and the gaps.

• Farm Insurance Australia

  Your farm is a home, a business and a lifestyle on the same paddocks. Consolidated Insurance Brokers explains how farm insurance is built to cover all three.

• Drone Insurance Australia

  Drone insurance covers the drone itself and the damage a drone can do to someone else. Your cover follows the jobs you declare, not the drone.

Liability

• Public Liability Insurance Australia

  Public liability insurance is what stands between "that's not fair" and an insurer actually stepping in to sort it out.

• Contractor Public Liability Insurance

  Need a certificate of currency to get on site, or to get paid? Public liability set up for the job: the $20m limit, your subbies, your trade.

• General Liability Insurance Australia

  General liability is public and products liability bought as its own policy, priced by hand. In the markets we place into, no insurer sells it direct.

• Product Liability Insurance Australia

  Product liability covers harm caused by what you make, import or supply. It is usually bundled with public liability, but on its own separate limit.

Professional and financial risks

• Professional Indemnity Insurance Australia

  Professional indemnity covers you when a client claims your advice, design or report cost them money. Also called professional liability or E&O insurance.

• Professional Indemnity Insurance for Real Estate Agents

  Real estate agents must be covered in New South Wales, Tasmania and the Northern Territory. Five other schemes do not require it.

• Professional Indemnity Insurance for Engineers and Design Professionals

  For engineers and architects the duty is usually real, but where it sits changes by state: a board code, a ministerial order or the registering Act.

• Professional Indemnity Insurance for Accountants and Bookkeepers

  Whether an accountant must hold professional indemnity depends on which hat they wear. Three regimes can apply at once, each with its own minimum.

• Professional Indemnity Insurance for Consultants

  No Australian law requires a management consultant to hold professional indemnity insurance. Your contracts do, and four activities make it compulsory.

• IT Liability Insurance Australia

  IT liability insurance is professional indemnity plus public and products liability in one policy, built for IT businesses. Cyber is a separate question.

• Technology Insurance Australia

  Technology insurance puts professional indemnity, public liability and cyber cover in one policy. Which parts you actually hold is set by your schedule.

• Media Liability Insurance Australia

  Media liability insurance combines cover for the content you publish with professional indemnity, public liability and cyber, in one policy.

• Management Liability & D&O Insurance

  The biggest management liability risk is not skipping the cover. It is assuming something else protects you, and learning otherwise after a claim starts.

• Cyber Insurance Australia

  Cyber insurance covers two different things and most people have only heard of one: what happens to your own business, and what you owe someone else.

Income and equipment

• Business Interruption Insurance Australia

  Business interruption insurance replaces the income your business loses when an insured event, such as fire, storm or flood, stops you trading.

• Equipment Breakdown Insurance Australia

  Your production line stops on a Tuesday afternoon for no reason at all. No fire, no storm, nobody hit it. The motor just seized.

• Plant & Equipment Insurance Australia

  Your excavator disappears from the site overnight. No forced gate, no witnesses, just an empty patch of dirt where a $180,000 machine sat yesterday.

• Excavator Insurance Australia

  Excavator insurance covers the machine, its attachments and the damage it does. What is capped, what is excluded, and what a claim really turns on.

• Earthmoving and Heavy Machinery Insurance

  Public liability does not cover your machine the way you think. What the sub-limits really are, and which jobs fall outside the policy entirely.

Trucks and transport

• Truck Insurance Australia

  Most truck policies pay a write-off at the sum insured or market value, whichever is lower. Three of our five wordings offer agreed value if you ask.

• Motor Fleet Insurance Australia

  Your fleet is priced on its claims pattern, not vehicle by vehicle. One driver's history ends up in everyone's renewal.

• Transport Operators Insurance Australia

  What insurance does a transport company need? Your business is not one truck, and your cover should not be either. Consolidated Insurance Brokers explains.

• Marine Cargo Insurance Australia

  Marine cargo insurance for goods you own in transit, by road, rail, sea or air. We read the wording and tell you what it does with your load.

• Carriers Cargo Insurance Australia

  Carriers cargo insurance for transport operators carrying customers' goods. Understand accidental damage, defined events and refrigerated cargo cover.

Personal insurance

We look after a lot of our commercial clients’ personal insurance too. It is not what we lead with, but if you want one broker who knows your whole picture, ask.

• Home & Contents Insurance

  Home and contents is really two covers travelling together: building cover for the structure itself, and contents cover for everything inside it.

• Private Motor Insurance

  Car insurance comes in three tiers. The difference is how much of your own car is covered, because other people's property is covered in all three.

• Residential Landlord Insurance

  A tenant who simply stops paying rent is not covered by a standard landlord policy. Rent default is an extra cover we recommend on every policy we place.