Quote preparation and renewal checklists, worked comparisons with the sums shown, and decisions on limits, excess and payment.
The lowest premium is only the cheapest policy if the limit, excess and exclusions also fit the way your business works. A quote with a higher excess, a products exclusion you did not notice or a premium funding plan with a flat interest rate can end up costing more than a quote that looked dearer at first.
Begin with the business insurance quote checklist, which covers what to gather before you ask for quotes and what to check at renewal. The other guides each take one decision: lining up three liability quotes with the arithmetic, choosing between a $5 million, $10 million or $20 million limit, choosing an excess, paying by premium funding, using a broker or buying direct, and managing subcontractors and certificates of currency.
The liability quote comparison tool tests up to three quotes against a claim you choose, the premium funding calculator shows what monthly instalments add, and the quote preparation checklist keeps track of what you have done. All figures in the worked examples are illustrative.
Worked Quotes and Checklists
How brokers, direct insurers, online platforms and underwriting agencies sell business liability cover in Australia, what they are paid, what to check and how to choose.
Worked Quotes and Checklists
A step-by-step checklist for getting and comparing business liability quotes in Australia, from the information to gather to the renewal timeline and final checks.
Worked Quotes and Checklists
How excesses work on Australian public liability and business insurance, the break-even arithmetic for a higher excess, special excesses and cash-flow checks.
Worked Quotes and Checklists
How to choose a public liability limit in Australia, what leases, councils and head contracts usually require, what the extra cover costs and how aggregate limits work.
Worked Quotes and Checklists
A step-by-step comparison of three Australian public liability quotes, with GST, stamp duty, fees, excesses, limits and exclusions tested against five claim scenarios.
Worked Quotes and Checklists
How premium funding works for Australian business insurance, flat versus reducing rates, worked cost examples, cancellation and default risks, and alternatives.
Worked Quotes and Checklists
Why uninsured subcontractors raise your liability premium and risk, how to check a certificate of currency properly, what to put in subcontracts, and NSW subcontractor statements.
