Specialised business insurance,
matched properly
Business insurance without the complexity. One enquiry puts you in touch with a licensed or authorised Australian broker, who deals with insurers on your behalf.
Small business and commercial insurance, by cover.
Select a cover to read how it works and get matched with a broker.
Tell us about your business
Answer a few questions about your business and the cover you’re asking about.
We pass it to one broker
We check your enquiry, then pass it to one approved, licensed or authorised broker who offers a cover you’re asking about.
Your broker gets in touch
They talk through your business and your options. Your name and contact details go to that one broker only.
Why businesses use COVRA.
There are thousands of insurance brokers in Australia. We put you in touch with one, so you don’t have to call around.
Not sure which broker to call
We put you in touch with one licensed or authorised broker.
Don’t want lots of calls
Your name and contact details go to one broker only.
Licence and covers checked
Before a brokerage can receive enquiries, we check on ASIC’s professional register that it holds, or acts under, an Australian Financial Services Licence that covers general insurance, and check its website for the covers it offers.
Not sure what cover you need
Our 2-minute check and guides explain the covers businesses like yours often look at.
Insurance for your industry.
The covers each type of business commonly looks at, and the licence, lease and contract rules that apply.
Trades & construction
Tradies Liability, tools, utes and licence rules Electricians Contractor licence insurance by state Plumbers Plumbing and gasfitting licence rules Builders Home warranty, contract works and liability Cleaners Liability, keys and client contractsHospitality & retail
Cafes and restaurants Outdoor dining permits, stock and premises Pubs, hotels and bars Liquor licences, venues and buildings Retail shops Leases, stock, glass and theftProfessional, transport & property
Consultants Professional indemnity and client contracts IT contractors Contract insurance limits and cyber NDIS providers Registration audits, support workers and cars Couriers and delivery Delivery use, goods in transit and platforms Commercial landlords Buildings, vacancy and what tenants payGuides.
Plain-English answers to the questions business owners ask most about business insurance in Australia.
Public liability vs professional indemnity insurance
The difference, what each doesn’t cover, examples, and who has to hold which.
Read the guide
Do sole traders need business insurance?
What the law requires, what a licence or contract can add, and what covers you if you can’t work.
Read the guide
What does public liability insurance not cover?
The common exclusions, the cover some policies give back, and real declined claims.
Read the guide
Is it time to review your business insurance?
Eight quick questions about how your insurance was set up and when you last looked at it. Then, if you like, a broker can look over your cover.
Start the checklistCommon questions.
What does a business insurance broker do?
A broker helps you work out what cover your business needs, finds options from insurers and arranges the policy. Brokers must be licensed or authorised under an Australian Financial Services Licence, and can give advice within the scope of that licence or authorisation.
Is it worth using an insurance broker?
The small business ombudsman describes brokers as experts who link small businesses to insurers, and says they normally act for the business rather than the insurer. A licensed or authorised broker can also give advice about your situation, within the scope of their authorisation.
How much does it cost to use an insurance broker?
Brokers are paid through fees and commissions from insurers, according to the small business ombudsman. Your broker will tell you about any fees or commissions they receive. Using COVRA to find a broker is free.
How do I choose a business insurance broker?
Look for a broker who works with businesses like yours, and check they’re licensed or authorised under an Australian Financial Services Licence, which you can do on ASIC’s professional registers. Or tell COVRA about your business and we’ll put you in touch with one licensed or authorised broker.
How do I find a small business insurance broker in Australia?
There are thousands of insurance brokers in Australia. COVRA puts your business in touch with one licensed or authorised broker, free. Before a broker can receive enquiries, we check its licence or authorisation on ASIC’s professional register.
What insurance does my business need?
It depends on what your business does, whether you have staff and what you own. Some cover is compulsory, like workers’ compensation for most employers and CTP for registered vehicles. Other cover, like public liability, is often asked for by a client, a lease or a licence, and many businesses also look at management liability, commercial motor and business interruption insurance. Our free 2-minute check shows the covers businesses like yours often look at.
Is COVRA an insurance broker?
No. COVRA isn’t a broker or an insurer, and doesn’t give advice. We put your business in touch with a licensed or authorised broker, who can give advice and arrange cover.
Will I get lots of calls?
No. Your name and contact details go to one broker only.
How do I get a business insurance quote?
Through a broker. COVRA passes your enquiry to one licensed or authorised broker, who can get quotes from insurers for you. COVRA doesn’t quote or sell insurance itself.
Still have a question? A broker can talk it through with you.
Get a quote from a brokerGet matched with a broker.
Tell us about your business in a few steps. One licensed or authorised broker will get in touch.
- No obligation
- One licensed or authorised broker
- Your details go to one broker, not several
Get a quote from a licensed or authorised broker in a few simple steps
Tell us about your business and the cover you’re after.
Step 1 of 3
