Commercial Insurance Quotes and Policies

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Commercial Insurance Consultants Quotes*

If you’re self-employed or own a small business and looking for a suitable and affordable commercial insurance quote and policy you may have come to the SMART place.

Wherever you are in Australia , our team of friendly commercial insurance consultants may be able to assist you by providing you with multiple quotes on suitable commercial policies to cover the business risks you face.

Many business owners are UNSURE if they are COVERED PROPERLY.
We help them find affordable and SUITABLE INSURANCE so they can run their business with CONFIDENCE.*

Small business owners can access many BIG name insurers AND
industry specific underwriters here:*

Small business owners QUESTIONS regarding
Commercial Insurance ANSWERED:*

Commercial insurance typically refers to policies that aim to cover the commercial activities of a business. Commercial insurance is often referred to as business insurance.

There are a number of common commercial insurances.

Depending on the nature or size of your business, your budget and risk profile one or multiple commercial insurance policies may be required. A friendly SMART commercial insurance consultant may be able to assist.

  • Public liability insurance – may protect you against claims from harm to other people or their property caused from your work activities ; work at site including unauthorized access, attractive nuisance, liability for sub-contractors, vicarious liability for sub-contractors.
  • Product liability – may protect you when products you have supplied, repaired or manufactured cause harm, injure someone or cause property damage.
  • Commercial property – damage to commercial premises ; glass cover is an option
  • Professional indemnity – generally for businesses providing advice for a fee
  • General property insurance – may cover damage or loss to tradie’s business equipment such as tools, mobiles , computers , power equipment , or stock such as timber or frames.
  • Business insurance pack – you may be able to combine public liability and other covers in a specially designed policy for a small t business. Ask your SMART broker for details.
  • Marine cargo – cover if you receive or send goods such as building materials via post or freight.
  • Commercial motor – may cover any vehicle – car, van , light truck – that you own and use mainly for your business.
  • Cyber Insurance – can help cover financial losses following a cyber security breach.

Trying to work out what commercial insurance policies your business needs?

We may be able to assist you determine what covers you need for your business risks.

Talk to a SMART commercial insurance consultant on 1300 542 573 to discuss suitable cover for your business TODAY.

Small business owners need commercial insurance for a number of reasons including:

  • protection of the value of commercial assets such as commercial property , commercial vehicles , machinery , tools and profit.
  • cover to protect yourself and your business against claims due to negligence.

Since, sole traders ,self employed sub-contractors and small business owners are responsible for their commercial actions they are liable for any financial claim arising out of damage caused to property or injury to person.

It is therefore considered vital for small business owners to take out suitable commercial insurance cover.

Further, some small business owners like electricians in Tasmania and Queensland and plumbers in Victoria cannot apply for or renew their contractor’s license without the relevant commercial insurance.

Talk to Smart Business Insurance Brokers on 1300 542 573 to protect yourself and your business with suitable and affordable commercial insurance.

So, how much will commercial insurance cost you?

The core cover for all small business owners is public liability.

Public Liability Insurance cost for some small business owners, such as painters and plasterers acting as a sole trader, or self-employed contractor starts from around $480.

Professional small business owners, such as consultants , web designers , software developers and photographers typically will require at least combined professional indemnity and public liability cover.

As an example : Web developer business insurance cost: from $580 for $1 million professional indemnity PLUS $5 million public liability insurance

As insurance policies are priced according to risk each different trade is “rated” as a unique occupation by the insurers and will attract its own cost.

For more information and quotes on commercial insurance policies please TALK to a friendly SMART Commercial Insurance Consultant who may be able to assist on 1300 542 573.

Want guidance on Commercial Insurance coverage for your small business?
Get in touch. Here to help you.*

Need more CERTAINTY regarding your business insurance cover?
Have questions or want GUIDANCE?
Get in touch. Here to help you.*

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Small business owners DESERVE to get insurance cover at an
affordable price – and KNOW what they are covered for.*

We are business insurance brokers

What does this mean to you ?
What that means is that we are YOUR representative, and our first responsibility is to YOU, unlike an insurance agent who represents the insurance company.

And in the event of a claim, we fight for YOU, which may mean a faster and more successful claim.^

^Important : We have no power to authorise claims. However, our experience and assistance can help you when you have a claim.


REAL LIFE STORIES of small business owners who were UNCERTAIN about their business insurance coverage NOW operating with CONVICTION.*

Need expert Insurance Advice?
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Learn More About Insurance for your Business:*


· We may act for you – not the insurance company
· We may obtain multiple quotes for you on suitable policies from leading insurance companies and underwriters
· You receive responsive friendly service.
· You’ll receive a competitive rate on a suitable policy year after year
· You’ll have us in your court if you need to claim
· Monthly payment options
· We’ll do the leg work for you!

Find out more.