Commercial Insurance
Protection. Made Clear.
Practical risk protection for Australian businesses — from day-to-day cover to complex exposures.
Start Here — Quote or Policy Review
Clear steps. Calm decisions. Long-term focus.
Our Commitment to You
Personalized Coverage: Insurance aligned to your business risks — not templates.
Simplified Processes: Clear steps, fewer forms, no unnecessary friction.
Dedicated Support: Advice, placement, and claims support — end to end.
Tailored Insurance Solutions
Common covers we arrange — tailored to your industry and scale.
Public & Product Liability
• Covers third-party injury or property damage claims.
• Covers claims linked to products you sell or supply.
Business Package
A customizable package that may include property damage, theft, public liability, and more, offering broad protection for your business assets.
Business Interruption
Helps protect your business against loss of income and certain ongoing expenses following an insured event, such as fire or storm damage. Coverage depends on the policy terms, conditions and exclusions.
Professional Indemnity
Shields your business against claims of negligence or mistakes in professional services or advice provided to clients.
Management Liability
Protects directors and officers against financial losses arising from managerial decisions that have adverse legal implications.
Cyber
Helps businesses manage certain financial losses and liabilities arising from covered cyber incidents.
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Cyber risk is a business risk, not just an IT issue.
Workers Compensation and Commercial Motor can be arranged on request. Travel Insurance is available via Start Here (self-serve).
Not sure what applies to you? We’ll help you clarify what matters.
Becky Lau | AR 289990 and IBC Financial Services Pty Ltd T/As Earnest InvestSmart |ABN 97 600 006 853 | CAR 1280689 are Authorised representative of Community Broker Network Pty Ltd |AFSL 233750 |ABN 60 096 916 184
For more information please see our Financial Services Guide
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The information contained in this page is general and is not intended to serve as advice. It does not take into account the objectives, financial situation or needs of any particular person.
Why Choose Earnest InvestSmart?
Expertise: We navigate the market to find cover that fits your business.
Client-First Advice: We advocate for you — from quote to claim.
Clear Communication: Plain English. No jargon. No surprises.
Start Here — Get a Quote or Policy Review
For new policies, renewals, or a second opinion.
📌 Related Resources for Business Protection & Insurance
Explore expert insights to help you make informed decisions about your business insurance needs:
📖 Business Insurance Essentials (Australia)
📖 Choosing the Right Commercial Insurance
📖 Cyber Insurance & Digital Threats