Frequently Asked Questions

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SMART answers to your business insurance questions*

We are 100% dedicated to helping you with your business insurance needs so that you can run your business with confidence. 

Over 5000 business owners currently trust SMART Business Insurance to cover their businesses.

Over 700 business owners have provided us with 5 STAR reviews across Google, Facebook and Product Review making us one of Australia’s highest rated brokers.

The SMART team of business insurance brokers believes strongly in putting the interests of business owners first.

SMART Business Insurance brokers act only for their clients, and not the insurance company.

We are here to help business owners with their questions and when it comes time to claim.

The team at SMART Business Insurance aim to provide business owners with:

  • ANSWERS to Questions
  • SUITABLE and Affordable Cover
  • No long waits on hold
  • Fast, NO STRESS
  • Help with CLAIMS

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 FREQUENTLY ASKED QUESTIONS regarding
Commercial Insurance ANSWERED:*

A SMART Business Insurance broker will be in touch personally within four working hours of your request. Earlier if possible.

They will contact you by your preferred method of communication either via the phone or email.

For simpler quotes, and where all relevant details have been provided, you may receive a quote within 24 hours. If you call us, there are times we can provide a quote with-in 10-15 minutes.

For more complex quotes, or where all relevant details have not been provided, a SMART business insurance broker will be in touch to ask a few more questions and/or to provide you with a timeline for you to receive your quote.

As our focus is on sourcing competitive pricing on suitable cover for you based on quotes from multiple insurers, complex quotes will take more time.

As part of our service you will be regularly updated throughout the process.

We are available between 8.45am and 5.30 pm AEST, Monday to Friday on 1300 542 573 and are flexible to work quickly for urgent requests’’

If your business has changed, contact us so that we can update your policy to reflect your current  business situation.

For example if you have a:

  1. Change in business activities
  2. Change of business address
  3. Purchase  new equipment
  4. A significant increase or decrease in stock or turnover

simply email the details to your handling broker or call us on 1300 542 573.

 It’s important that your business insurance policy provides you with appropriate protection from the changing insurable risks your business faces.

Not sure? Contact us on 1300 542 573 and a SMART Business Insurance broker will guide you through the process.

However, if your business has undergone change, please contact us immediately so we can ensure you are protected.

You can pay for your policy using any of the options below:

  1. DEFT Payment systems (using reference number) – pay by credit card at or phone 1300 78 11 45
  2. Australia Post BillPay – pay in -store at Australia Post by cheque or EFTPOS
  3. BPAY – using biller code and reference number

While we hope you never end up in a position to have to make a claim, we are here to help if the situation arises.

Simply email the details to your handling broker or call us on 1300 542 573.

Our claims service is focused on helping you with your claim by representing your interests with the insurance companies and by keeping you informed throughout the process.

Please contact us as soon as you can after an incident that results in a claim.

Please provide us with accurate and detailed information so that we can fast track your claim with insurers.

To help you provide all the details the insurers will need regarding your claim you can use or reference the claim forms here:

  1. Contract Works Claim Form
  2. Electronic Equipment Claim Form
  3. Fire, Storm, Tempest or Water Damage Claim Form
  4. General Claim Form
  5. Glass Claim Form
  6. Machinery Breakdown and Fusion Claim Form
  7. Marine Transit Claim Form
  8. Motor Vehicle Accident Claim Form
  9. Pleasure Craft / Hull Claim Form
  10. Professional Indemnity Claim Form
  11. Public & Products Liability Claim Form
  12. Specified Items, Tools of Trade or Transit Claim Form

Changing/endorsing your policy is easy at SMART Business Insurance.

Simply contact your SMART Business Insurance adviser and let us know what changes you want to make, via phone or email and we’ll provide you with a quote and/or be in contact with you to discuss.

It’s SMART to use an insurance broker as:

Business insurance can be complex and a SMART insurance broker helps guide you through the process to ensure your assets and risks are adequately protected.

As specialist business insurance advisers, we act for you, not the insurers.

You will have us in your corner if you need to claim.

We can secure difficult to obtain cover for you.

We negotiate with leading insurers and underwriting agencies on your behalf to get you multiple quotes on suitable cover.

As business insurance specialists we provide general advice on level of cover, excesses, deductibles and risk.

Our brokers are specialists in business insurance. They are passionate about providing a professional, expert and friendly service to give you a positive customer experience at all times.


Our brokers negotiate & place insurance for businesses every working day.

The major purpose for business insurance is to protect against business risks, so why take a risk with your insurance?

Direct insurers and their agents represent only a single or a few insurance companies.

When buying direct from insurance companies and insurers agents, they will only present the basic policies available to them. You on the other hand may have special needs that may not be covered.

Direct insurers and insurance agents represent the insurers – not you.

At SMART Business Insurance, we act in our clients’ best interests, not the insurers.

As SMART Business Insurance is an authorised representative of the United Insurance Group, part of the Steadfast Group of Insurance Brokers, we have significant negotiating power and can generally achieve a superior result rather than going direct to an insurer and paying the ‘rack rate’. We negotiate on your behalf to get you excellent value on suitable cover.

Yes, cancelling your policy(ies) is as simple as sending an email detailing the date you wish to cancel the policy(ies) from and the reason for the cancellation. Once received, we will confirm your cancellation with your insurer(s) and then forward you the invoice noting any return premium if applicable.

Where a policy is cancelled before the period of insurance has ended we will usually retain the commission/fee on any return premium involved.

Following your acceptance to bind cover of the quotation, your SMART Business Insurance adviser will forward you your invoice and policy schedule. These documents will detail and confirm the start and end dates of your policy.

Additionally, once payment of the premium has been settled to SMART Business Insurance, upon request, a Certificate of Currency can be produced in order to confirm that the policy is current and valid along with noting any interested parties you may be required to include.

Policy Schedule

This sets out the limits, deductibles and coverage sections that you have selected.      Please carefully review all aspects, in particular the insured name, policy limits, deductibles and coverage sections applicable.

Tax Invoice & Special Notices

This sets out and confirms your basic premium, plus any fire services levy, statutory charges and our broker fee. We ask that you read the Special Notices carefully. These outline your rights and obligations in relation to entering into an insurance contract. In particular, we draw your attention to the Duty of Disclosure.

Premium Funding Contract

This is to be completed if you wish to arrange premium funding, which allows you to pay by way of monthly instalments.

Financial Services Guide

This contains important information about the services we offer you, how we and our associates are paid and any potential conflicts of interest we may have.

Policy Wording

The Policy Wording document provides you with full details of what is and is not covered. It is essential you read your Policy Wording without delay and advise us in writing of any aspects which are not clear or where cover does not meet your expectations.

Certificate of Currency

This is a written document that is issued by the insurer or the insurance broker that confirms that the insurance policy is current and valid as of the date and time of the certificate.

TALK to a SMART Business Insurance broker on 1300 542 573 or contact us online for SMART insurance cover for information on business insurance.

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?
Get in Touch:*

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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.