Business and commercial insurance
Consolidated Insurance Brokers arranges 34 kinds of commercial cover for building and business owners across Queensland and beyond, from offices in Brisbane and Bundaberg: commercial building and property insurance through to liability, business interruption, trucks and industry packages. Every one of them comes with personal advice: a broker looks at your actual situation and tells you what you need, rather than selling you a product off a list. Cover falls into three broad groups: commercial insurance for the things you own and do, professional and financial risks for the advice you give and the systems you run (brokers call these financial lines), and personal insurance for your own home and car.
Not sure which one applies to you? Start from who you are instead: commercial building owners, property owners and investors, business owners who rent, or business owner-occupiers. Or call 07 3292 1111 and ask.
Buildings and property
Commercial Building Insurance Australia
Not the market value. Not the purchase price. The real cost to put it back, and the cover built around that number.
Commercial Property Insurance Australia
Commercial property is not one policy. Consolidated Insurance Brokers explains what 'property' means, what each cover does and where owners get caught short.
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 insures the building. That does not mean you are covered. Consolidated Insurance Brokers explains what strata leaves out for lot owners.
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
Warehouse insurance is built around what actually happens inside your four walls, not just the walls themselves.
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.
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.
Construction Insurance Australia
Contract works insurance protects the build while it is underway. Consolidated Insurance Brokers explains what it covers, who arranges it and the gaps to watch.
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.
General Liability Insurance Australia
General liability is public and products liability bought as its own policy, priced by an underwriter who reads your business. 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.
Trucks and transport
Truck Insurance Australia
Truck policies pay a write-off at the sum insured or market value, whichever is lower. That number is worked out after the accident, not agreed before it.
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.
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.
Not sure what you actually need?
Tell us what you own and what you do. We will tell you which of these matter for you and which do not, including the ones you can skip.
Call now, most enquiries are settled in one conversation - or leave your details and we'll ring within 90 minutes on a new enquiry (8am–6pm Mon–Fri).
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The information on this page is general in nature and does not take into account your objectives, financial situation or needs. Before acting on it, consider whether it is appropriate for your circumstances. Where the information relates to a particular insurance product, consider the relevant Product Disclosure Statement before making a decision.