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Retail & Commercial

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Every business faces different risks and it is important to have the correct insurance in place to protect your business. At BusInsure, our retail and commercial insurance division provides specialised tailored insurance solutions.

So whether you own a retail shop, run an office, are a commercial property owner or have an industrial business, we have an insurance solution to suit your needs.

Some common retail and commercial insurance products include:

Workers compensation insurance

A compulsory insurance for all employers covering employees injured whilst in your employment based in all Australian states and territories, and employees visiting other states and territories on employer’s business.

Income protection cover insurance

With income protection insurance you can secure a steady income to help protect your lifestyle while you’re ill or injured. Income protection is a monthly benefit that pays you up to 75% of your income and covers you for accidents, illnesses or major traumas.

Key man insurance

Key man insurance is a type of corporate-owned life insurance which insures an employer against the death or incapacitation of a so-called key employee, usually an executive or partner. It is used by both large companies and small partnerships alike.

Trade credit insurance

Providing insurance for financial loss to the business as a result of default by debtors.

Audit and investigation insurance

This covers professional fees incurred in responding to an audit or investigation arising from any return lodged by your business, your accountant or by individuals with any statutory authority.

Corporate travel insurance

A combined insurance covering loss or damage to employees’ personal effects, including money and travel documents, medical and additional expenses incurred whilst employees are travelling on company business.

Death and capital benefits arising out of personal accident or sickness can also be provided for, together with hijack and detention expenses, kidnap and ransom costs, cancellation or curtailment expenses, loss of deposits, alternative employee expenses, personal liability, collision damage and theft waiver and extra territorial workers’ compensation.

Cancellation and abandonment insurance

Loss arising from the cancellation or abandonment of a scheduled event.

Residential and commercial strata insurance

In addition to cover for the building and common liability, residential strata insurance can also provide the following covers in accordance with the strata titles act: directors’ and officers’ liability, fidelity guarantee for misappropriation of strata funds and providing personal accident cover for voluntary workers.

Employee dishonesty insurance

Loss as a result of an act of fraud or dishonesty committed by employees

Machinery breakdown insurance

Insurance for loss or damage to machinery due to mechanical or electrical breakdown including deterioration of stock resulting from the breakdown of refrigeration equipment.

Office insurance

Package insurance for loss or damage to your office contents and/or building including public liability, money, computer equipment.

Business insurance

Package insurance for loss or damage to your business contents and/or building including public liability, money, computer equipment, machinery.

Trades insurance

Insurance for tradesman covering public liability, tools and equipment, vehicles etc.

Public liability insurance

Your legal liability to third parties for personal injury or property damage caused by an occurrence during the period of insurance and arising out of your business and/or products.

Business interruption insurance

Insurance for loss of income following loss or damage to your business.


Travel Insurance

Don’t worry while you’re enjoying holidays with family and friends – BusInsure provides travel insurance that means relaxing times.


Online Calculator

Use our Online Calculator to help you calculate the amount you need to best protect your interests...


Income Protection

Providing the Financial security needed to protect your family and lifestyle.


CTP Insure

We offer greenslips at competitive rates to both private and commercial drivers including fleets.


Pay by the month

Premium funding: retain working capital, a tax deductible fixed interest rate, no loan security cost, flexible repayment options and multiple repayment methods.