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Insurance News from Income Insurance Online

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Insurance News
Year: Month:

Northern Strata Schemes Face Fresh Scrutiny on Cyclone Cover Northern Strata Schemes Face Fresh Scrutiny on Cyclone Cover
25 Jul 2026: Paige Estritori

A fresh review of Australia’s cyclone reinsurance pool has put northern strata insurance affordability back in focus, particularly for apartment buildings and mixed-use schemes exposed to cyclone, flood and storm surge risk. The pool was designed to improve insurer capacity and ease premium pressure in cyclone-prone regions, but the latest discussion suggests that outcomes are still uneven for complex strata properties. - read more
Why Insurance Tax Reform Is Back in Focus for Small Operators Why Insurance Tax Reform Is Back in Focus for Small Operators
25 Jul 2026: Paige Estritori

A renewed industry push to reduce or remove state-based insurance taxes has put affordability back in the spotlight for Australian small businesses. For domestic and home service operators, the issue is practical rather than political: when premiums rise, it becomes harder to maintain the cover needed to work safely in clients’ homes, meet contract requirements and protect tools, vehicles and income. - read more
What Rising Insurance Complaints Mean for Freelancers What Rising Insurance Complaints Mean for Freelancers
25 Jul 2026: Paige Estritori

Australia’s financial complaints landscape is sending a clear message to insurance customers: the moment to understand a policy is before something goes wrong. Recent Australian Financial Complaints Authority data shows complaint volumes remain historically high across financial services, with insurance disputes continuing to form a significant part of the workload. - read more
What the Next Phase of the Insurance Code Review Means for Trainers What the Next Phase of the Insurance Code Review Means for Trainers
25 Jul 2026: Paige Estritori

The public consultation period for the redrafted General Insurance Code of Practice has now passed, moving Australia’s insurance sector into the next stage of review and refinement. For personal trainers, fitness instructors and small studio operators, this is not a technical issue reserved for insurers. It is a practical reminder that the way claims are handled can be just as important as the cover purchased in the first place. - read more
Advice Access Reforms Put Life Cover Decisions in Focus Advice Access Reforms Put Life Cover Decisions in Focus
25 Jul 2026: Paige Estritori

The latest stage in Australia’s financial advice reform agenda has put a practical question back in front of the life insurance sector: how can people get timely, affordable help before they buy, change or cancel cover? The reforms are intended to make simpler forms of guidance easier to provide, while keeping consumer protections in place for decisions that can affect a family’s financial resilience for decades. - read more
Tax-Time Scrutiny Puts Landlord Records Back in Focus Tax-Time Scrutiny Puts Landlord Records Back in Focus
25 Jul 2026: Paige Estritori

Tax time is again putting Australian rental property owners under the microscope, with the ATO’s ongoing attention on investment property claims serving as a practical reminder for landlords to tighten their records before lodging. For investors, the message is not simply about maximising deductions. It is about being able to show how each claim connects to earning rental income, maintaining the property, or protecting the asset. - read more
NSW Rental Changes Put Landlord Risk Planning Back on the Agenda NSW Rental Changes Put Landlord Risk Planning Back on the Agenda
25 Jul 2026: Paige Estritori

New South Wales rental law reforms are reshaping the way residential property investors manage tenancy risk, with tighter rules around ending leases, rent increases, pets and tenant protections now part of the operating environment for many landlords. While the changes are primarily tenancy law measures, they also have a practical insurance dimension because they alter how disputes, property damage, vacancy risk and compliance obligations may play out. - read more
Grain Price Rally Puts Seasonal Risk Back in Focus Grain Price Rally Puts Seasonal Risk Back in Focus
24 Jul 2026: Paige Estritori

Grain Central reported on 23 July 2026 that Australian grain prices have continued to firm, supported by global wheat market heat and local uncertainty about new-crop production. For growers, the story is not simply about better prices. It is also a reminder that a promising crop can still carry significant risk when weather, timing and market volatility start moving together. - read more
Why AI Governance Now Matters for Allied Health Cover Why AI Governance Now Matters for Allied Health Cover
24 Jul 2026: Paige Estritori

Recent insurance industry reporting on AI accountability should be read carefully by allied health practices, not just large insurers. The issue is simple: organisations are adopting AI tools faster than they can explain who is responsible when the tool produces an error, uses the wrong data or influences a decision that later causes harm. - read more
Why AI Insurance Tips Need a Human Sense-Check Why AI Insurance Tips Need a Human Sense-Check
24 Jul 2026: Paige Estritori

A new Australian insurance research report published on 21 July 2026 has raised a practical warning for fitness professionals who use AI tools to research business cover: not every confident answer is coming from a reliable or licensed source. - read more
Softening Insurance Market Gives Consultants Room to Review Cover Softening Insurance Market Gives Consultants Room to Review Cover
24 Jul 2026: Paige Estritori

Australian consultants approaching renewal season may have more negotiating room than they have had for several years, with Marsh’s latest Global Insurance Market Index showing another quarter of falling commercial insurance pricing. - read more
Defect Insurance Reform Moves From Policy Ambition to Market Test Defect Insurance Reform Moves From Policy Ambition to Market Test
24 Jul 2026: Paige Estritori

Australia’s apartment defect insurance debate has moved into a more practical phase: not whether governments want stronger consumer protection, but whether the insurance market can deliver it at scale, on time and on workable terms. - read more
AFCA Travel Insurance Decision Puts Pre-Existing Conditions Under the Microscope AFCA Travel Insurance Decision Puts Pre-Existing Conditions Under the Microscope
24 Jul 2026: Paige Estritori

A fresh Australian Financial Complaints Authority decision has highlighted how broadly travel insurance exclusions for pre-existing medical conditions can operate, particularly where anxiety or another mental health condition is already recorded before a policy is bought. - read more
Could AI Speed Up Heavy Vehicle Repair Claims? Could AI Speed Up Heavy Vehicle Repair Claims?
23 Jul 2026: Paige Estritori

Australian smash repair insurtech DingGo has introduced an AI platform designed to produce rapid crash repair estimates from vehicle photos, adding another signal that claims technology is moving quickly across the motor insurance sector. Its Crash Intelligence AI tool uses a large dataset of completed Australian repairs to estimate likely repair costs, with the company positioning it for dealer groups, independent repairers and panel shops. - read more
What Genetic Testing Reform Could Mean for Life Insurance What Genetic Testing Reform Could Mean for Life Insurance
22 Jul 2026: Paige Estritori

Australia’s life insurance sector is preparing for a significant shift in how genetic test information may be treated during applications. The Federal Government has been moving towards stronger restrictions on insurers using adverse predictive genetic test results when assessing life insurance, a change designed to reduce fears that medical insight could later become a financial disadvantage. - read more
Why rural heavy vehicle safety matters for insurance Why rural heavy vehicle safety matters for insurance
22 Jul 2026: Paige Estritori

The National Heavy Vehicle Regulator’s latest focus on agricultural heavy vehicle safety is a timely reminder for farm, livestock, grain and regional freight operators: safety standards are not just a compliance issue. They can also shape claims outcomes, business interruption, liability exposure and future access to affordable truck insurance. - read more
Why Lithium Battery Fire Risk Matters for Tradies Why Lithium Battery Fire Risk Matters for Tradies
22 Jul 2026: Paige Estritori

Lithium-ion batteries are now part of everyday trade work. They power cordless tools, site lighting, testing equipment, drones, portable power stations and, for some electricians and solar installers, the systems being installed for customers. A fresh insurance industry analysis has again highlighted why this technology is not just a convenience issue, but a serious risk management issue for businesses. - read more
Why the Simple Advice Push Matters for Your Cover Why the Simple Advice Push Matters for Your Cover
22 Jul 2026: Paige Estritori

Australia’s life insurance sector has renewed its push for consumers to receive simpler help with the cover they already hold, particularly through superannuation. The Council of Australian Life Insurers has again argued that many people need clearer, more accessible guidance about insurance inside super, including death, disability and, where available, income protection insurance. - read more
AFCA Decision Highlights Limits on Recovering Income Protection Payments AFCA Decision Highlights Limits on Recovering Income Protection Payments
22 Jul 2026: Paige Estritori

A new Australian Financial Complaints Authority decision has offered an important reminder for anyone relying on income protection insurance through work or super: once benefits have been paid, an insurer generally needs a strong and clearly evidenced basis before asking for that money back. - read more
What Australia’s Latest Marine Incident Data Means for Boat Cover What Australia’s Latest Marine Incident Data Means for Boat Cover
22 Jul 2026: Paige Estritori

Australia’s latest marine incident figures are a timely reminder that good boating is not only about enjoying time on the water; it is also about managing risk before something goes wrong. The 2025 Marine Incident Annual Report, highlighted by Marine Business News, examined incidents involving domestic commercial vessels, foreign-flagged vessels and regulated Australian vessels operating in Australian waters. - read more
Why SMEs should double-check AI insurance advice Why SMEs should double-check AI insurance advice
22 Jul 2026: Paige Estritori

Australian businesses are increasingly using AI tools to research products, shortlist providers and understand policy options. That convenience now comes with a clear warning for small business owners: not every insurance answer surfaced by AI search is coming from a licensed, accountable or locally relevant source. - read more
Higher ASIC Levies Signal More Scrutiny for Australia’s Insurance Sector Higher ASIC Levies Signal More Scrutiny for Australia’s Insurance Sector
22 Jul 2026: Paige Estritori

Australia’s insurance sector is facing a larger contribution to the cost of financial regulation, with ASIC’s 2025–26 industry funding estimates putting insurance levies at $23.838 million. That is a sizeable rise from the $17.608 million levied in 2024–25 and reflects a broader increase in the regulator’s expected cost recovery across the financial system. - read more
Why Beauty Businesses Should Recheck Their Insurance Now Why Beauty Businesses Should Recheck Their Insurance Now
22 Jul 2026: Paige Estritori

Fresh SME insurance reporting has put underinsurance back in the spotlight, with new national survey data indicating that many Australian small businesses are still not reviewing their cover as carefully as their risks are changing. For beauty salon owners, sole traders and mobile beauticians, the message is practical rather than alarming: a policy that suited the business a few years ago may no longer match today’s equipment values, treatment mix, stock levels or operating costs. - read more
What SA’s Workers’ Comp Claims Change Means for Trade Businesses What SA’s Workers’ Comp Claims Change Means for Trade Businesses
22 Jul 2026: Paige Estritori

South Australian trade businesses should keep an eye on a quiet but important workers’ compensation development. ReturnToWorkSA has begun a procurement process for claims management services, with the current long-running arrangements involving EML and Gallagher Bassett due to end before new services commence from 1 July 2027. - read more
Why CALI’s Advice Push Matters for Workplace Life Cover Why CALI’s Advice Push Matters for Workplace Life Cover
22 Jul 2026: Paige Estritori

The Council of Australian Life Insurers has renewed its call for Australians to receive simpler guidance about the life insurance they hold through superannuation, sharpening attention on a long-running problem for employers: many workers have cover, but do not clearly understand what it does, when it applies, or whether it remains suitable as their circumstances change. - read more
Why CALI’s Simple Advice Push Matters for Business Owners Why CALI’s Simple Advice Push Matters for Business Owners
22 Jul 2026: Paige Estritori

The Council of Australian Life Insurers has renewed its push for Australians to receive simpler guidance about life insurance held through superannuation, arguing that many people do not fully understand the cover already attached to their super accounts. For business owners, this is more than a personal finance issue. It is a reminder that default or group cover may sit quietly in the background while the real financial risks of ownership, debt, succession and key-person dependency remain unchecked. - read more
New Regulator Expectations Put Insurance Affordability Back in Focus New Regulator Expectations Put Insurance Affordability Back in Focus
22 Jul 2026: Paige Estritori

The Federal Government’s updated expectations for APRA and ASIC have introduced a fresh regulatory backdrop for Australia’s life insurance sector, with a stronger emphasis on productivity, innovation, competition and proportionate oversight. Released on 16 July 2026, the statements do not remove the regulators’ independence, but they do clarify how the Government wants financial regulation to support a stable, competitive and more responsive market. - read more
Why Longer Lives May Change the Way Businesses Think About Keyman Cover Why Longer Lives May Change the Way Businesses Think About Keyman Cover
22 Jul 2026: Paige Estritori

Australians are living longer, but new industry research suggests those extra years are not always being lived in good health. Zurich’s latest chronic care analysis ranked Australia strongly for health system performance and reduced mortality, yet pointed to a rising morbidity challenge: more people are living with long-term illnesses that can affect work, income and financial resilience. - read more
Why Life Insurance Advice Reform Matters for Australians Why Life Insurance Advice Reform Matters for Australians
22 Jul 2026: Paige Estritori

A fresh industry push for financial advice reform is putting a spotlight on a problem many Australians quietly face: having life insurance in place, often through superannuation, but not fully understanding what it covers, when it pays, or whether it still matches their circumstances. - read more
Australians Urged to Check Life Insurance Held Through Super Australians Urged to Check Life Insurance Held Through Super
22 Jul 2026: Paige Estritori

New industry research has put a sharp focus on one of the most common but least understood forms of financial protection in Australia: life insurance held through superannuation. - read more
What Allianz’s Farm Cover Revamp Means for Farmers What Allianz’s Farm Cover Revamp Means for Farmers
21 Jul 2026: Paige Estritori

Allianz Australia has refreshed its farm pack insurance, with the updated product announced on 20 July 2026. For farmers and rural property owners, the significance is less about one insurer changing a product and more about what it signals across the broader farm insurance market: insurers are trying to make cover easier to understand while adjusting policy features to better match modern farming operations. - read more
New APRA Data Highlights a Split Professional Indemnity Market New APRA Data Highlights a Split Professional Indemnity Market
21 Jul 2026: Paige Estritori

Fresh analysis of APRA’s latest National Claims and Policies Database has added useful detail to the current professional indemnity insurance conversation. The database, released in early July 2026, covers professional indemnity, public liability and product liability policy and claims information, giving insurers, brokers and business owners a clearer view of how different parts of the liability market are moving. - read more
Broker Remuneration Debate Puts Disclosure on the Agenda Broker Remuneration Debate Puts Disclosure on the Agenda
21 Jul 2026: Paige Estritori

The debate over Australia’s draft Insurance Brokers Code of Practice has intensified, with industry and consumer voices questioning whether the proposed changes go far enough on remuneration disclosure and conflict management. For real estate agencies, the issue is not abstract. Many agencies rely on intermediated advice when arranging professional indemnity, public liability, management liability, cyber cover, office insurance and commercial motor policies. - read more
Overseas Medical Emergency Puts Travel Insurance Back in Focus Overseas Medical Emergency Puts Travel Insurance Back in Focus
21 Jul 2026: Paige Estritori

A recent Australian travel insurance case has offered a sharp reminder that the most expensive travel risk is often the one no traveller expects. According to Finder, an Australian woman who became seriously ill while 19 weeks pregnant in Mallorca faced medical costs of more than $40,000 after being taken to hospital by ambulance. The ambulance component alone reportedly reached $12,000, with the remaining costs linked to hospital admission, testing and treatment. - read more
What Unfair Trading Reform Could Mean for Small Business Insurance Claims What Unfair Trading Reform Could Mean for Small Business Insurance Claims
21 Jul 2026: Paige Estritori

Australia’s latest unfair trading practices reform has opened a fresh debate for the insurance sector, with small business advocates and insurers watching closely to see whether the new rules will eventually extend into business-to-business dealings. - read more
What Victoria’s Bushfire Loss Estimate Means for Restaurant Cover What Victoria’s Bushfire Loss Estimate Means for Restaurant Cover
21 Jul 2026: Paige Estritori

Australia’s latest bushfire loss update offers a practical warning for restaurant, café and hospitality operators: natural catastrophe risk is not confined to homes, farms or large industrial sites. Perils has lifted its estimate for the January 2026 Victorian bushfires to $860 million, with commercial properties accounting for the largest share of insured losses. - read more
What QBE and Blue Zebra’s Motor Partnership Means for Operators What QBE and Blue Zebra’s Motor Partnership Means for Operators
21 Jul 2026: Paige Estritori

QBE and Blue Zebra have extended their motor underwriting partnership, with Blue Zebra confirming a new multi-year agreement after the previous arrangement expired. QBE has been underwriting Blue Zebra’s commercial and private motor products since July last year, following the end of the agency’s earlier arrangement with Youi. - read more
Income Protection Claim Dispute Offers Lessons for Tradies Income Protection Claim Dispute Offers Lessons for Tradies
21 Jul 2026: Paige Estritori

A new Australian Financial Complaints Authority decision has put income protection claims under the spotlight, with useful lessons for tradies who rely on their own capacity to work. The dispute involved a delivery driver who had received weekly income protection benefits after a serious arm-related medical condition prevented him from working. The insurer later tried to recover more than $31,000 in paid benefits, arguing it had information suggesting he could have returned to work earlier. - read more
New CHU Green Grants Signal a Shift for Strata Risk New CHU Green Grants Signal a Shift for Strata Risk
21 Jul 2026: Paige Estritori

CHU Underwriting Agencies has launched its inaugural Green Grant Program, distributing $50,000 across seven strata communities on 16 July 2026. The initiative is modest in scale, with grants capped at $10,000 per successful application, but it points to a larger change in the way strata insurance risk is being discussed. Instead of focusing only on premium increases after extreme weather or building losses, insurers are increasingly looking at practical ways to reduce risk before claims occur. - read more
New Marsh Strata Lead Points to a More Complex Insurance Market New Marsh Strata Lead Points to a More Complex Insurance Market
21 Jul 2026: Paige Estritori

Marsh Risk has appointed Justin Gillingham as its new head of strata, in a move that reflects how quickly the Australian strata insurance market is becoming more specialised. Announced on 20 July 2026, the appointment brings a senior insurance and risk professional into a role focused on buildings, owners corporations and communities dealing with increasingly complicated cover, compliance and claims issues. - read more
What Victoria’s Bushfire Loss Estimate Means for Tradies What Victoria’s Bushfire Loss Estimate Means for Tradies
21 Jul 2026: Paige Estritori

A new industry estimate has put the insured cost of Victoria’s January bushfires at $860 million, sharpening the focus on how quickly natural disaster losses can affect businesses that rely on vehicles, tools, workshops, stock and regional worksites. For tradies, the important detail is not just the size of the loss, but where it landed: commercial property reportedly accounted for the largest share, ahead of personal property and motor losses. - read more
Advice Reform Push Highlights Australia’s Life Cover Knowledge Gap Advice Reform Push Highlights Australia’s Life Cover Knowledge Gap
21 Jul 2026: Paige Estritori

A fresh push from the Council of Australian Life Insurers has put a familiar consumer problem back in the spotlight: many Australians have life insurance in place, but far fewer clearly understand what it does and does not cover. - read more
Rushy Lagoon Deal Puts Land-Use Risk in Focus Rushy Lagoon Deal Puts Land-Use Risk in Focus
21 Jul 2026: Paige Estritori

The new plans for Rushy Lagoon, Tasmania’s largest farm, are more than a local land-use debate. They are a useful reminder for Australian farm operators that insurance risk can change quickly when a property moves from a traditional production model into a mixed enterprise involving forestry, livestock, cropping and visitor activity. - read more
What Allianz’s Farm Pack Refresh Means for Rural Businesses What Allianz’s Farm Pack Refresh Means for Rural Businesses
21 Jul 2026: Paige Estritori

Allianz Australia has refreshed its Farm Pack insurance, launching the updated product on 20 July 2026 through its Allianz Alive digital broker platform. For rural businesses, hobby farmers and agricultural operators, the move is a useful reminder that policy wording and definitions can be just as important as headline premium prices. - read more
Why Retailers Should Recheck Their Insurance Before the Next Claim Why Retailers Should Recheck Their Insurance Before the Next Claim
21 Jul 2026: Paige Estritori

Fresh reporting on Australian SME insurance trends has put underinsurance back in the spotlight, with recent Vero SME Insurance Index findings indicating that close to one in ten small and medium-sized businesses believe their current cover is inadequate. For retailers, cafés, convenience stores, boutiques and other shopfront operators, that figure should prompt a practical question: would your policy still match the real cost of replacing stock, repairing premises and keeping the business alive after a disruption? - read more
Financial Pressure Sharpens the Case for Practical Office Cover Financial Pressure Sharpens the Case for Practical Office Cover
21 Jul 2026: Paige Estritori

Fresh small business research has put numbers around what many Australian operators have been feeling for some time: the pressure of keeping a business running is not just commercial, but personal. The latest BizCover small business survey, reported by SmartCompany, found financial stress remains widespread among respondents, alongside long hours, limited breaks and ongoing concerns about whether the business remains sustainable. - read more
Why easier access to advice matters when choosing life insurance Why easier access to advice matters when choosing life insurance
21 Jul 2026: Paige Estritori

A recent Good Returns TV discussion with Financial Markets Authority Director of Deposit Taking, Insurance and Advice Michael Hewes has renewed attention on a practical issue for New Zealand households: too many people still find financial advice hard to access, hard to understand, or too time-consuming to begin. - read more
What NZ’s snow injury surge says about protecting your pay What NZ’s snow injury surge says about protecting your pay
21 Jul 2026: Paige Estritori

New Zealand’s winter injury data is a timely reminder that a day off can become a financial event very quickly. Insurance Business has reported that snow sports injury claims reached a five-year high, with ACC accepting 8,309 skiing claims at a cost of $32 million and 5,425 snowboarding claims at a cost of $14 million for 2025. For households that rely on regular wages, the issue is not only the medical bill. It is the income interruption that can follow. - read more
What a Policy Access Dispute Means for Income Protection Customers What a Policy Access Dispute Means for Income Protection Customers
21 Jul 2026: Paige Estritori

A recent New Zealand life insurance dispute has put a practical but often overlooked issue in the spotlight: having cover is only part of financial protection. Policyholders also need to know who owns the policy, how documents can be accessed, and what happens when urgent health circumstances arise. - read more
Netstrata Proceedings Put Strata Insurance Governance Back Under the Microscope Netstrata Proceedings Put Strata Insurance Governance Back Under the Microscope
18 Jul 2026: Paige Estritori

NSW Fair Trading’s criminal proceedings against Network Strata Services Pty Ltd, trading as Netstrata, have pushed strata governance and insurance transparency back into the national spotlight. The regulator alleges the company and its director and licensee in charge breached statutory obligations connected with strata scheme management in New South Wales, including alleged failures around conflicts of interest, undisclosed financial benefits and information provided to the regulator. - read more
Broker Disclosure Debate Puts Small Business Questions Back on the Table Broker Disclosure Debate Puts Small Business Questions Back on the Table
18 Jul 2026: Paige Estritori

A fresh dispute over the proposed Insurance Brokers Code of Practice has sharpened the focus on transparency for Australian small businesses. Industry figure John Trowbridge has criticised gaps in the draft code, particularly around whether brokers should disclose commissions and other remuneration to all clients, not only those captured by narrower product or client categories. - read more
AFCA Income Protection Decision Highlights a Hidden Risk for Variable Earners AFCA Income Protection Decision Highlights a Hidden Risk for Variable Earners
18 Jul 2026: Paige Estritori

A recent Australian Financial Complaints Authority decision has put a spotlight on a detail that can be easy to overlook: how an income protection policy defines income. In the case, a policyholder receiving payments under an employer-arranged group income protection policy argued that regular sales commissions should be counted when calculating his pre-disability income. - read more
Broker Transparency Debate: What Personal Trainers Should Watch Broker Transparency Debate: What Personal Trainers Should Watch
18 Jul 2026: Paige Estritori

A fresh dispute over Australia’s insurance broking standards has put transparency back in the spotlight for small business policyholders, including personal trainers, fitness instructors and studio operators. On 17 July 2026, several consumer and strata owner groups withdrew from consultation on the National Insurance Brokers Association’s rewritten Insurance Brokers Code of Practice, arguing that industry self-regulation does not go far enough on conflicted payments and commission disclosure. - read more
What New Regulator Guidance Could Mean for Cover What New Regulator Guidance Could Mean for Cover
18 Jul 2026: Paige Estritori

Australia’s life insurance sector has welcomed the Federal Government’s updated expectations for APRA and ASIC, a policy signal that could shape how insurers balance consumer protection, affordability and innovation. The new expectations ask the regulators to keep the financial system safe and stable while also supporting competition, productivity and proportionate oversight. For life insurance customers, the practical question is whether that balance leads to clearer products, better service and cover that remains within reach. - read more
Clover’s Landlord Insurance Return Adds Fresh Market Choice Clover’s Landlord Insurance Return Adds Fresh Market Choice
18 Jul 2026: Paige Estritori

Clover Insurance has returned to the home and landlord insurance market, with Aioi Nissay Dowa Insurance Company Australia, known as Adica, providing the capacity behind the renewed offer. For Australian rental property owners, the development is notable because it points to fresh underwriting appetite in a part of the personal lines market that has been under pressure from claims inflation, natural perils and shifting distribution settings. - read more
Second NSW H5 Bird Flu Detection Puts Biosecurity Back on the Farm Risk Agenda Second NSW H5 Bird Flu Detection Puts Biosecurity Back on the Farm Risk Agenda
17 Jul 2026: Paige Estritori

A second H5 bird flu detection in New South Wales has moved avian disease risk from a distant global concern to a practical on-farm planning issue for Australian producers. The latest case involved a petrel found at Hawks Nest on the NSW Mid North Coast, following an earlier detection at the same beach. Authorities have indicated the human health risk remains low, and there has been no reported H5 detection in NSW commercial poultry flocks at this stage. - read more
What the Partnered Health Breach Means for Clinic Risk What the Partnered Health Breach Means for Clinic Risk
17 Jul 2026: Paige Estritori

The latest reporting on the Partnered Health cyber attack may be a wake-up call for allied health practices that store patient information, uses shared booking systems or relies on cloud-based clinical software. The healthcare group, which operates more than 60 clinics nationally, became aware on 23 June 2026 that a malicious actor had accessed data from some clinics. Potentially affected patients were not notified publicly until more than three weeks later. - read more
What the Partnered Health Cyber Attack Means for Fitness Operators What the Partnered Health Cyber Attack Means for Fitness Operators
17 Jul 2026: Paige Estritori

A cyber attack disclosed by Partnered Health Group on 15 July 2026 has put health-related data security back on the agenda for Australian service businesses. The incident reportedly affected patient information across 21 clinics in multiple states and territories, including contact details, Medicare information, private health insurance details and medical records. While this was a healthcare provider incident, the lessons are highly relevant for fitness professionals who collect health screening forms, injury histories, progress notes, emergency contacts and payment details. - read more
AI Agent Risks Put Consultant Cover Under the Microscope AI Agent Risks Put Consultant Cover Under the Microscope
17 Jul 2026: Paige Estritori

A new industry report on AI agents has sharpened an issue that many Australian consultants can no longer treat as theoretical: when automated tools make decisions, access client data or carry out tasks, which insurance policy responds if something goes wrong? - read more
Taree Flood Lessons Renew Pressure on Insurance Affordability Taree Flood Lessons Renew Pressure on Insurance Affordability
17 Jul 2026: Paige Estritori

A fresh roundtable in Taree has put flood insurance affordability back under the spotlight, more than a year after the May 2025 floods devastated parts of the Manning Valley and Mid North Coast. The discussion, co-hosted by Insurance Council of Australia CEO Andrew Hall and federal MP Alison Penfold, brought together business and council leaders to examine why recovery alone is not enough when the underlying flood risk remains. - read more
Why Truck Insurance Pricing Is Splitting for Australian Fleets Why Truck Insurance Pricing Is Splitting for Australian Fleets
16 Jul 2026: Paige Estritori

Australia’s insurance market has moved into a more competitive phase, but truck operators should not assume that softer conditions will translate into automatic premium relief. A July 2026 market overview reported that insurer appetite remains strong for well-presented commercial risks, yet motor insurance is becoming sharply divided between disciplined fleets and higher-risk heavy vehicle operations. - read more
Chronic Illness Risk Puts Fresh Focus on Income Insurance Chronic Illness Risk Puts Fresh Focus on Income Insurance
15 Jul 2026: Paige Estritori

New research highlighted by Zurich has put a timely spotlight on a major challenge for Australian workers: people are living longer, but many are also spending more of those years managing chronic health conditions. For households that rely on a regular wage, salary, business income or contract work, this trend reinforces why income insurance is not just a product for sudden accidents. - read more
Why Commission Earners Should Check Their Income Protection Wording Why Commission Earners Should Check Their Income Protection Wording
15 Jul 2026: Paige Estritori

A recent Australian Financial Complaints Authority decision has put an important issue in focus for sales staff, recruiters, account managers and other workers whose income depends partly on commission. The dispute involved a policyholder covered under an employer’s group income protection arrangement with MetLife. After a work-related mental health injury, he claimed on the policy, but his commission earnings were left out when his pre-disability income was calculated. - read more
Steadfast Takeover Bid Puts Broker Networks in Focus Steadfast Takeover Bid Puts Broker Networks in Focus
15 Jul 2026: Paige Estritori

A fresh development in Australia’s insurance broking sector is worth watching for boat owners, charter operators and anyone who relies on specialist advice to arrange marine cover. On 14 July 2026, Insurance News reported that global private equity firm KKR had joined the consortium seeking to acquire Steadfast Group in a proposed $7.7 billion transaction. - read more
Lifeline Breach Puts Cyber Cover Back on the SME Agenda Lifeline Breach Puts Cyber Cover Back on the SME Agenda
15 Jul 2026: Paige Estritori

A reported data breach involving Lifeline Australia has renewed attention on a widening protection gap in the Australian cyber insurance market. While Lifeline has indicated that help-seeker and financial information were not compromised, the incident is a timely reminder that staff, volunteer, client and supplier data can still create serious legal, operational and reputational exposure for any organisation. - read more
Steadfast Takeover Bid Gains New Weight as KKR Joins Consortium Steadfast Takeover Bid Gains New Weight as KKR Joins Consortium
15 Jul 2026: Paige Estritori

A proposed takeover of Steadfast Group has become one of the most closely watched insurance market stories in Australia, after global investment firm KKR joined the consortium seeking to acquire the ASX-listed broker network. The bid, led by Amwins Group and Dragoneer Investment Group, values Steadfast at about A$7.7 billion and remains pitched at A$6 per share. - read more
What the Latest Cyber Breach Means for Beauty Businesses What the Latest Cyber Breach Means for Beauty Businesses
15 Jul 2026: Paige Estritori

A fresh cyber insurance report has put data protection back in the spotlight for Australian small businesses, after Lifeline Australia confirmed an unauthorised party had accessed some staff and volunteer information in July 2026. The incident was not reported as involving help seeker data or financial information, but it still shows how quickly an organisation can face technical, legal and communication pressures after a data event. - read more
What a Softer Insurance Market Could Mean for Tradies What a Softer Insurance Market Could Mean for Tradies
15 Jul 2026: Paige Estritori

Australian businesses may be entering a more buyer-friendly phase for several commercial insurance classes, with recent market commentary pointing to stronger insurer competition, more available capacity and improved appetite for well-managed risks. For tradies and small trade businesses, that could make the next renewal period a useful time to reassess whether existing policies still match the way the business operates. - read more
Longer Lives, Higher Claims: What Chronic Illness Means for Employers Longer Lives, Higher Claims: What Chronic Illness Means for Employers
15 Jul 2026: Paige Estritori

New research from Zurich has sharpened the focus on a major issue for Australian employers: people are living longer, but many are spending more of those years managing chronic illness. For businesses that rely on experienced staff, directors and key revenue-generating employees, this is not just a health trend. It is a workforce, productivity and insurance planning issue. - read more
Why Chronic Illness Is Now a Business Continuity Issue Why Chronic Illness Is Now a Business Continuity Issue
15 Jul 2026: Paige Estritori

New Zurich research has put a sharper lens on a risk many business owners already sense in their teams and families: Australians are living longer, but more of those years may be affected by chronic illness. For SMEs, this is not only a health story. It is a continuity, productivity and financial resilience story. - read more
What Canstar’s 2026 Life Insurance Ratings Mean for Key Person Cover What Canstar’s 2026 Life Insurance Ratings Mean for Key Person Cover
15 Jul 2026: Paige Estritori

Canstar’s latest 2026 life insurance research has put fresh numbers around a familiar pressure point for Australians: premiums are still rising, even if the increase is relatively modest. Based on Canstar’s direct life insurance rating work, average life insurance costs were reported to be $14.60, or 0.84%, higher in 2026 compared with the previous year’s national averages. - read more
ASIC’s Latest Levy Estimates Put Insurance Costs Under the Spotlight ASIC’s Latest Levy Estimates Put Insurance Costs Under the Spotlight
15 Jul 2026: Paige Estritori

ASIC’s latest 2025–26 industry funding estimates have put fresh attention on the cost of regulating Australia’s insurance and financial advice sectors. Released on 13 July 2026, the figures show ASIC expects to recover $400.5 million across regulated industries for the financial year, up 19 per cent on the previous year. Final levies are due in December 2026, with invoices expected between January and March 2027. - read more
Why longer lives may mean a rethink on cover Why longer lives may mean a rethink on cover
15 Jul 2026: Paige Estritori

Fresh research from Zurich has put a spotlight on a challenge many Australians may not have fully factored into their insurance planning: we are living longer, but not necessarily living healthier for longer. Its Chronic Care Index ranked Australia eighth among OECD countries for overall health system performance, reflecting strong healthcare capacity and comparatively low mortality. - read more
Living Longer, But Not Always Healthier: What It Means for Cover Living Longer, But Not Always Healthier: What It Means for Cover
15 Jul 2026: Paige Estritori

New research from Zurich Australia has put a timely spotlight on a challenge many families already understand: Australians may be living longer, but not necessarily spending all of those extra years in good health. Reported on 13 July 2026, the Zurich Chronic Care Index ranked Australia eighth out of 38 OECD countries for overall health system performance, reflecting strong healthcare capacity and relatively low mortality. However, the same analysis points to a widening gap between lifespan and health span. - read more
What the Telstra Outage Means for Tradies and Business Downtime What the Telstra Outage Means for Tradies and Business Downtime
15 Jul 2026: Paige Estritori

Telstra has opened a dedicated compensation pathway for small businesses affected by last week’s nationwide mobile and data outage, after disruptions left some operators unable to take payments, answer calls or access essential online systems. For tradespeople, the story is more than a telco customer service issue. It is a timely reminder that a business can lose income even when the tools are safe, the ute is ready and the job book is full. - read more
Why the soft insurance market is uneven for heavy vehicle fleets Why the soft insurance market is uneven for heavy vehicle fleets
15 Jul 2026: Paige Estritori

Bellrock Advisory’s latest market update suggests Australia’s commercial insurance market has moved further into a softer phase, with competition, insurer capital and growth targets putting downward pressure on pricing. For transport operators, however, the headline story is more complicated than cheaper insurance across the board. The update points to a widening split between well-managed fleets and operators carrying heavier claim patterns, complex assets or higher repair exposures. - read more
Softer Professional Indemnity Pricing Creates a Timely Cover Check Softer Professional Indemnity Pricing Creates a Timely Cover Check
14 Jul 2026: Paige Estritori

Fresh July 2026 market commentary suggests Australian professional indemnity conditions have moved further into a buyer-friendly phase, with stronger insurer competition and available capital placing downward pressure on premiums. For consultants, advisers, accountants, IT providers, designers, engineers and other service-based businesses, this may create a useful renewal window. However, the key message is not simply that cover may be cheaper. It is that businesses should use the softer market to improve protection before conditions change again. - read more
What a Personal Accident Claim Ruling Means for Real Estate Professionals What a Personal Accident Claim Ruling Means for Real Estate Professionals
14 Jul 2026: Paige Estritori

A recent Australian Financial Complaints Authority decision is a timely reminder that a stressful or threatening incident does not automatically trigger every personal accident policy. The dispute involved a ride-share driver who experienced significant psychological symptoms after being spat on and verbally abused by a passenger. Although medical evidence indicated the incident worsened previously stable mental health conditions and affected his capacity to work, the insurer declined the claim because the policy responded to bodily injury. - read more
Bali Theft Warnings Highlight a Bigger Travel Insurance Question Bali Theft Warnings Highlight a Bigger Travel Insurance Question
14 Jul 2026: Paige Estritori

Recent reports of phone and jewellery snatch-thefts in popular Bali tourist areas have put personal belongings back in the travel insurance spotlight. For Australians heading to Indonesia, the issue is not simply whether a stolen phone can be claimed. It is whether the policy they choose properly matches the risks they are most likely to face while away. - read more
New Small Business Insurance Education Push Highlights Underinsurance Risk New Small Business Insurance Education Push Highlights Underinsurance Risk
14 Jul 2026: Paige Estritori

A new alliance between the Victorian Chamber of Commerce and Industry and Zest Insurance is putting small business underinsurance back in the spotlight, with education, practical tools and risk resources to be delivered through the Chamber’s THRIVE program. - read more
Why a Food Delivery Theft Claim Matters for Restaurant Insurance Why a Food Delivery Theft Claim Matters for Restaurant Insurance
14 Jul 2026: Paige Estritori

A recent insurance dispute involving a food delivery business offers a practical warning for Australian restaurant and café operators: if a location is not listed on the policy schedule, the cover may not respond when something goes wrong. - read more
What a Renewed Flood Pool Debate Means for Strata Communities What a Renewed Flood Pool Debate Means for Strata Communities
14 Jul 2026: Paige Estritori

The question of whether Australia needs a dedicated flood reinsurance pool has returned to the insurance agenda, with fresh attention following severe July weather across southern and eastern Australia and the ongoing statutory review of the Cyclone Reinsurance Pool. For strata committees, the debate matters because flood remains one of the clearest pressure points in property insurance affordability, particularly for schemes with basement car parks, lifts, electrical infrastructure, waterfront exposure or poor drainage. - read more
Netstrata Proceedings Put Strata Insurance Disclosure Under Fresh Scrutiny Netstrata Proceedings Put Strata Insurance Disclosure Under Fresh Scrutiny
14 Jul 2026: Paige Estritori

NSW Fair Trading’s criminal proceedings against Netstrata have put strata insurance governance back in the spotlight, particularly for owners corporations trying to understand whether their premiums, commissions and service arrangements are being handled transparently. The action, reported on 9 July 2026, alleges the strata manager failed to adequately disclose or manage conflicts of interest and received undisclosed financial benefits. Netstrata has indicated the charges will be defended, so the matter remains before the courts rather than resolved. - read more
Why Tradies Should Check Injury Cover Wording Why Tradies Should Check Injury Cover Wording
14 Jul 2026: Paige Estritori

A recent Australian Financial Complaints Authority decision has put a sharp spotlight on a point many self-employed workers can easily overlook: the difference between being unable to work and being covered under the exact wording of an insurance policy. - read more
Longer Lives, Longer Illnesses: What It Means for Cover Longer Lives, Longer Illnesses: What It Means for Cover
14 Jul 2026: Paige Estritori

New research from Zurich has put a fresh spotlight on a challenge many Australian households already feel in practical terms: living longer does not always mean living healthier. Its Chronic Care Index places Australia highly among OECD countries for overall health system performance, helped by strong healthcare capacity and relatively low mortality. But the same research points to a widening gap between lifespan and healthspan, with more people spending extended periods managing chronic illness. - read more
Volunteer H5 Training Sharpens Australia’s Biosecurity Watch Volunteer H5 Training Sharpens Australia’s Biosecurity Watch
14 Jul 2026: Paige Estritori

South Australia’s decision to train conservation volunteers in H5 bird flu detection marks a practical new phase in Australia’s biosecurity response. Rather than relying only on government officers and laboratory testing, the program aims to use experienced birdwatchers and conservation volunteers as an extra set of eyes across wetlands, coastlines and bird habitats. - read more
What the Steadfast takeover bid could mean for SMEs What the Steadfast takeover bid could mean for SMEs
14 Jul 2026: Paige Estritori

A major ownership shake-up may be coming for one of the most influential names in Australian commercial insurance distribution, after global investment firm KKR joined the consortium pursuing Steadfast Group. The proposal, valued at about $7.7 billion, remains non-binding and is still subject to due diligence and further agreement, but it is significant because Steadfast sits behind a large network of insurance brokerages and underwriting agencies used by many Australian businesses. - read more
What a Renewed Flood Pool Debate Means for Retail Cover What a Renewed Flood Pool Debate Means for Retail Cover
14 Jul 2026: Paige Estritori

Australia’s flood insurance debate has returned to the foreground, with fresh attention on whether the existing Cyclone Reinsurance Pool should remain narrowly focused or whether a separate approach is needed for broader flood risk. For shop owners, the issue is more than a policy argument between governments and insurers. It goes directly to whether flood-prone businesses can obtain cover at a workable price, and whether current policies respond in the way owners expect when water damage disrupts trading. - read more
Small Businesses Urged to Scrutinise Broker Fee Transparency Small Businesses Urged to Scrutinise Broker Fee Transparency
14 Jul 2026: Paige Estritori

Australia’s insurance broking sector is facing renewed scrutiny after the National Insurance Brokers Association released the final draft of its rewritten Insurance Brokers Code of Practice for consultation. The debate centres on how clearly small business clients should be told what their broker is paid, including commissions, fees and other remuneration linked to the placement of insurance policies. - read more
A new life insurance discount puts long-term value in focus A new life insurance discount puts long-term value in focus
14 Jul 2026: Paige Estritori

Partners Life has introduced a new Life Advantage discount, giving eligible customers a permanent reduction on selected life and trauma-related covers. The offer is aimed at non-smokers aged 16 and over who meet a specified body mass index range and complete full medical underwriting when applying for new or increased cover. - read more
Why insurer technology resilience matters when you need to claim Why insurer technology resilience matters when you need to claim
14 Jul 2026: Paige Estritori

A new regulatory focus on insurer operational resilience is a timely reminder that an income insurance policy is only as reassuring as the systems behind it. The Financial Markets Authority review, reported by Insurance Business in July 2026, found that many New Zealand insurers are still relying on ageing technology for core operations, while also managing significant outsourcing and cyber-security pressures. - read more
Why Delayed Life Milestones Are Changing Income Protection Decisions Why Delayed Life Milestones Are Changing Income Protection Decisions
14 Jul 2026: Paige Estritori

New Zealand’s life and health insurance market is facing a quiet but important shift: younger adults are not necessarily rejecting protection, but many are postponing the life events that usually trigger it. Recent industry reporting, drawing on Deloitte and Financial Services Council research, shows Gen Z and millennial New Zealanders are delaying major decisions such as buying a home, starting a family, changing careers or launching a business because of financial pressure. - read more
Why Delayed Life Milestones Could Widen New Zealand’s Income Protection Gap Why Delayed Life Milestones Could Widen New Zealand’s Income Protection Gap
11 Jul 2026: Paige Estritori

New Zealand’s younger workers are reshaping the traditional path into insurance. Fresh industry reporting, drawing on Deloitte’s 2026 Gen Z and Millennial Survey and Financial Services Council research, points to a clear shift: many Gen Z and millennial New Zealanders are delaying major life decisions because of financial pressure. Home ownership, starting a family and career changes have long been moments when people reassess life, mortgage and income protection cover. - read more
Why the FMA’s conduct focus matters for life insurance buyers Why the FMA’s conduct focus matters for life insurance buyers
11 Jul 2026: Paige Estritori

New Zealand’s financial advice sector is heading into a more targeted year of scrutiny after the Financial Markets Authority’s latest conduct priorities highlighted fraud, adviser commissions and complaints handling as areas of concern for 2026/27. For households arranging life, trauma, income protection or health-related cover, the message is practical: the quality of advice, disclosure and record keeping matters just as much as the premium on the page. - read more
What Victoria’s New Building Defect Powers Mean for Strata Communities What Victoria’s New Building Defect Powers Mean for Strata Communities
11 Jul 2026: Paige Estritori

Victoria has moved another step in its building reform program, with the Building and Plumbing Commission now operating with stronger consumer protection powers and a developer bond scheme scheduled for apartment buildings from 1 July 2027. For strata communities, the announcement is not simply a construction law update. It is a reminder that building quality, defect management and insurance planning are becoming increasingly connected. - read more
Why Policy Details Matter Before a Home Service Claim Why Policy Details Matter Before a Home Service Claim
11 Jul 2026: Paige Estritori

A recent Australian Financial Complaints Authority decision has delivered a timely reminder for small operators: insurance protection depends on the details being right before something goes wrong. The dispute involved a food delivery business that suffered theft and damage at a site that was not listed on its insurance schedule. - read more
Why Broker Fee Transparency Is Back in Focus for Freelancers Why Broker Fee Transparency Is Back in Focus for Freelancers
11 Jul 2026: Paige Estritori

Australia’s insurance broking sector is again facing scrutiny over how clearly small business clients are told about broker remuneration. The latest debate follows the release of a draft update to the Insurance Brokers Code of Practice, after earlier recommendations had supported broader disclosure of fees and commissions to individual and small business clients across more insurance products. - read more
Longer Lives, Longer Illness: What It Means for Life Cover Longer Lives, Longer Illness: What It Means for Life Cover
11 Jul 2026: Paige Estritori

Australians are living longer, but new industry research suggests many are also spending more years managing chronic illness. For households thinking about life insurance, that distinction matters. Longevity is positive, but conditions that affect mobility, mental wellbeing, neurological function or the ability to work can place pressure on family finances well before retirement. - read more
Rising Rents Give Landlords a Fresh Reason to Review Risk Rising Rents Give Landlords a Fresh Reason to Review Risk
11 Jul 2026: Paige Estritori

Domain’s June Quarter 2026 Rent Report has added a new layer to the debate facing Australian landlords: rental growth is accelerating again, but not evenly across the country. For property investors, the headline is not simply that rents are rising. It is that local market conditions, tenant affordability and policy uncertainty are now pulling rental markets in different directions. - read more
What SowSure Could Mean for Crop Risk Planning What SowSure Could Mean for Crop Risk Planning
10 Jul 2026: Paige Estritori

On 3 July 2026, Grain Central reported that RAGT Australia’s SowSure crop establishment protection initiative had received $982,049 through the Australian Government’s Future Drought Fund. For grain growers, the news is notable because it places insurance-style thinking closer to the sowing decision, rather than waiting until later-season losses become obvious. - read more
What Misleading Health Ads Mean for Allied Health Practice Risk What Misleading Health Ads Mean for Allied Health Practice Risk
10 Jul 2026: Paige Estritori

ABC News Verify’s 8 July 2026 report on oral care brand Hismile is a timely reminder that healthcare marketing risk is no longer limited to clinic websites and printed brochures. The report examined social media advertisements that appeared to present sales or practice staff as health professionals, included imagery showing signs of AI manipulation, and used dramatic product visuals that dentists said needed far more clinical context. - read more
Why QBE’s New Risk Assessments Matter for Fitness Businesses Why QBE’s New Risk Assessments Matter for Fitness Businesses
10 Jul 2026: Paige Estritori

QBE’s release of online business self-assessment tools on 9 July 2026 is a useful signal for fitness professionals: insurers are increasingly focused on helping small businesses identify risk before it becomes a claim. The tools, developed by QBE’s Risk Solutions team, are designed to guide Australian businesses through operational questions and provide tailored reports with risk-reduction suggestions and supporting resources. - read more
QBE’s Self-Assessment Tools Signal a Shift Towards Prevention QBE’s Self-Assessment Tools Signal a Shift Towards Prevention
10 Jul 2026: Paige Estritori

QBE has broadened its risk-prevention offering for Australian businesses with new online self-assessment tools covering property, liability, motor fleet and ESG exposures. Announced on 9 July 2026, the move reflects a wider shift in commercial insurance: insurers are increasingly trying to help customers identify and reduce risks before they become claims, rather than simply pricing those risks at renewal. - read more
How Early Insurance Planning Cut Costs on a Major Tasmanian Build How Early Insurance Planning Cut Costs on a Major Tasmanian Build
10 Jul 2026: Paige Estritori

TasNetworks’ North West Transmission Developments project has delivered a useful reminder for Australian construction businesses: insurance outcomes are often shaped long before a policy is formally placed. The Tasmanian transmission and distribution operator reported that insurance costs for the project came in more than 20 per cent below budget after a three-year engagement with Lockton as risk and insurance adviser. - read more
NIBA Code Draft Puts Broker Fee Transparency Back in Focus NIBA Code Draft Puts Broker Fee Transparency Back in Focus
10 Jul 2026: Paige Estritori

Australia’s broker transparency debate has resurfaced after the National Insurance Brokers Association released the final draft of its revised Insurance Brokers Code of Practice for consultation. The issue centres on whether small business clients should automatically receive clearer disclosure about how their broker is paid, even when the policy they are buying is not treated as a retail insurance product under the Corporations Act. - read more
What the Life Code Review Could Mean for Mental Health Claims What the Life Code Review Could Mean for Mental Health Claims
08 Jul 2026: Paige Estritori

The latest review of the Life Insurance Code of Practice has put mental health cover at the centre of the national conversation about life insurance, disability insurance and income protection. Independent reviewer Peter Kell has completed his final report, outlining 85 recommendations aimed at improving customer protections, claims handling, communication, vulnerability support and the enforceability of the Code. - read more
What APRA�s Reinsurance Changes Mean for Boat Owners What APRA’s Reinsurance Changes Mean for Boat Owners
08 Jul 2026: Paige Estritori

APRA’s latest update to the general insurance reinsurance framework may sound like a back-office regulatory change, but it has practical relevance for Australian boat owners watching premiums, excesses and renewal conditions. Published on 7 July 2026, the reforms are designed to give general insurers better access to alternative reinsurance arrangements while keeping safeguards in place for policyholders. - read more
Could NSW Levy Reform Make Insurance More Affordable for Small Business? Could NSW Levy Reform Make Insurance More Affordable for Small Business?
08 Jul 2026: Paige Estritori

New analysis released by the Insurance Council of Australia has put renewed attention on a major cost pressure for NSW businesses: the emergency services levy, commonly known as the ESL. The levy is currently collected through insurance premiums, meaning businesses that choose to insure their assets can face a higher cost for doing so. - read more
Could NSW Emergency Services Levy Reform Make Insurance Fairer? Could NSW Emergency Services Levy Reform Make Insurance Fairer?
08 Jul 2026: Paige Estritori

New modelling released on 7 July 2026 has added momentum to the debate over how New South Wales funds emergency services, with analysis suggesting that removing the Emergency Services Levy from insurance premiums could deliver meaningful savings for many households and businesses. The findings, commissioned by the Insurance Council of Australia and prepared by Lateral Economics, support a shift away from loading the cost onto insurance policies and towards a broader property-based funding model. - read more
Falling Cyber Cover Uptake Sends a Warning to Beauty Operators Falling Cyber Cover Uptake Sends a Warning to Beauty Operators
08 Jul 2026: Paige Estritori

A new cybercrime update has put a timely spotlight on a risk that many beauty businesses still treat as secondary to slips, burns, allergic reactions or damaged equipment. The Australian Institute of Criminology’s latest Cybercrime in Australia report, released on 30 June 2026 and covered by Insurance Business Australia, found that cyber insurance uptake has fallen even as online threats remain widespread. - read more
What Rising Construction Liability Costs Mean for Tradies What Rising Construction Liability Costs Mean for Tradies
08 Jul 2026: Paige Estritori

New analysis of APRA’s National Claims and Policies Database has put a sharper focus on a familiar concern for many construction businesses: liability insurance costs are not easing evenly across the market. While some professional indemnity lines have softened, the public liability picture for construction remains more challenging. - read more
Why Risk Commission Reform Matters for Business Owners Why Risk Commission Reform Matters for Business Owners
08 Jul 2026: Paige Estritori

A fresh industry poll has put life insurance remuneration back in the spotlight, with a strong majority of advisers reportedly supporting a review of the Life Insurance Framework commission caps. The current hybrid model, commonly described as 60/20, limits upfront and ongoing commissions on life risk insurance and has shaped how personal and business protection advice is delivered since the reforms were phased in. - read more
Life insurer profits have softened — why business owners should pay attention Life insurer profits have softened — why business owners should pay attention
08 Jul 2026: Paige Estritori

Australia’s life insurance sector entered the 2026 financial year with a clear reminder that market conditions can shift quickly. APRA’s latest quarterly figures for the three months to 31 March 2026 show life insurers remained profitable, but earnings were noticeably softer than the previous quarter and the same period a year earlier. - read more
Reducing Life Insurance Cover? New AFCA Case Shows Why Warnings Matter Reducing Life Insurance Cover? New AFCA Case Shows Why Warnings Matter
08 Jul 2026: Paige Estritori

A recent Australian Financial Complaints Authority decision involving AIA Australia is a useful reminder that reducing life insurance or trauma cover is not always a simple cost-saving move. For families under pressure from rising household expenses, lowering a sum insured can feel practical in the moment. This case shows why the timing, policy wording and claims process should be checked carefully before any change is made. - read more
What Bushfire Resilience Ratings Mean for Farmers What Bushfire Resilience Ratings Mean for Farmers
07 Jul 2026: Paige Estritori

More Australian insurers are now recognising household bushfire resilience ratings, a development rural and regional property owners should watch closely as risk-based pricing becomes more visible across the insurance market. NAB and CommBank insurance brands have joined the program, alongside existing participants including NRMA Insurance and Suncorp, meaning a significant share of the home insurance market is now engaging with assessed bushfire mitigation. - read more
PSC Move Signals Stronger Competition in Transport Insurance Broking PSC Move Signals Stronger Competition in Transport Insurance Broking
07 Jul 2026: Paige Estritori

PSC Insurance Brokers’ investment in MA Insurance Brokers is a timely reminder that specialist transport insurance advice is becoming increasingly valuable in a tighter, more complex market. The deal, announced in late June 2026, sees MA begin operating as PSC Transport Insurance Brokers, while founders Barry Mathison and Mariann Illyes retain an equity stake and continue leading the business as managing principals. - read more
QBE’s Trade Pack Change Puts Renewals in Focus for Tradies QBE’s Trade Pack Change Puts Renewals in Focus for Tradies
07 Jul 2026: Paige Estritori

QBE’s decision to stop offering its standalone office and trade pack products from July 2026 is a timely reminder for Australian tradies to treat every renewal as more than a simple rollover. The insurer is moving customers towards a standard business cover structure, with existing trade pack policyholders expected to be offered the replacement product at renewal from October 2026. - read more
Road User Charging Reform: What It Could Mean for Truck Operators Road User Charging Reform: What It Could Mean for Truck Operators
06 Jul 2026: Paige Estritori

Road user charging is moving from policy theory to a more serious industry conversation, with a new ITS Australia survey pointing to growing support for replacing fuel excise with a distance-based funding model. For transport operators, this is not just a tax discussion. It could change how fleets calculate running costs, compare vehicle types and plan margins on long-term freight contracts. - read more
Stolen Tools Ruling Shows Why Policy Limits Matter Stolen Tools Ruling Shows Why Policy Limits Matter
06 Jul 2026: Paige Estritori

A recent Australian Financial Complaints Authority decision is a timely warning for trade businesses that rely on tools, trailers and mobile equipment every day. The dispute centred on a business that had tools and a trailer stolen from a worksite, then challenged the insurer’s payout after discovering the claim was limited by the portable items section of the policy. - read more
Adviser Levy Pressure Puts PI Reform Back in Focus Adviser Levy Pressure Puts PI Reform Back in Focus
06 Jul 2026: Paige Estritori

The Financial Advice Association Australia has renewed pressure on the Federal Government to limit Compensation Scheme of Last Resort costs for financial advisers, arguing the profession should not carry more than $20 million in total levy exposure while adviser numbers remain under strain. - read more
New Strata Broking Findings Raise the Bar for Trust New Strata Broking Findings Raise the Bar for Trust
06 Jul 2026: Paige Estritori

Fresh findings from the Insurance Brokers Code Compliance Committee have added another layer to Australia’s continuing strata insurance transparency debate. The committee’s review of strata broker-agent arrangements examined seven brokers collectively connected to one thousand and eighty-eight strata representatives, and resulted in nine formal breach determinations. Two brokers were also referred to ASIC for consideration of conflict management issues. - read more
Why Micro-Rating Matters for Your Next Shop Insurance Renewal Why Micro-Rating Matters for Your Next Shop Insurance Renewal
06 Jul 2026: Paige Estritori

Australia’s commercial insurance market is entering a more nuanced phase. While headline pricing indicators suggest conditions are easing for many business customers, a recent Insurance Business Australia report highlights a shift away from the old idea of one broad insurance cycle. Instead, pricing is increasingly being assessed by product line, geography, occupation, claims history and the quality of each risk submission. - read more
School Holiday Travel Highlights a New Test for Insurance Cover School Holiday Travel Highlights a New Test for Insurance Cover
05 Jul 2026: Paige Estritori

Australia’s winter school holiday rush has put travel insurance back in the spotlight, with families heading to Bali, Fiji and Thailand, skiers travelling to New Zealand and domestic holidaymakers chasing either snow or sunshine closer to home. But this year’s peak period is unfolding against a more unsettled backdrop: geopolitical tension, airspace closures, airline disruption and a growing expectation that insurers should do more than reimburse costs after the event. - read more
Strata Insurance Breaches Put Transparency Back in the Spotlight Strata Insurance Breaches Put Transparency Back in the Spotlight
05 Jul 2026: Paige Estritori

The latest scrutiny of strata insurance arrangements is a timely reminder that insurance governance is no longer a back-office issue for property professionals. On 30 June 2026, the Insurance Brokers Code Compliance Committee released findings from a review of broker-agent arrangements in strata insurance. The review examined seven brokers with 1,088 strata representatives and identified weaknesses across representative agreements, remuneration disclosure, conflict management and oversight of conduct. - read more
Why Insurance Pricing Is Becoming More Client-Specific Why Insurance Pricing Is Becoming More Client-Specific
05 Jul 2026: Paige Estritori

Australia’s commercial insurance market may be softening on the surface, but the latest industry commentary suggests small businesses should be cautious about assuming every policy will automatically become cheaper. The emerging message is that the old idea of a single hard or soft insurance market is giving way to a more targeted pricing environment, where insurers assess each line of cover, occupation, location and claims history in much greater detail. - read more
What Haven’s New Liability Offering Means for Restaurants What Haven’s New Liability Offering Means for Restaurants
05 Jul 2026: Paige Estritori

Australian hospitality operators have another liability option to watch, after Haven Underwriting added broadform liability cover to its product line-up, backed by capacity from Mitsui Sumitomo Insurance. The product is aimed at several customer groups, including cafés, restaurants, wine bars and associated hospitality risks, with a stated limit of up to $20 million per policy. - read more
Cyclone Pool Delivers Some Relief for High-Risk Strata Schemes Cyclone Pool Delivers Some Relief for High-Risk Strata Schemes
05 Jul 2026: Paige Estritori

The ACCC’s fifth and final insurance monitoring report has given strata committees in cyclone-exposed regions a clearer view of what the Cyclone Reinsurance Pool is—and is not—achieving. Released on 25 June 2026, the report found that the pool has helped reduce or moderate premiums for policyholders in higher cyclone-risk areas, including residential strata schemes. - read more
Renewal Notice Gaps Put Insurance Costs Back in Focus for Tradies Renewal Notice Gaps Put Insurance Costs Back in Focus for Tradies
05 Jul 2026: Paige Estritori

Australian tradies know the pressure of keeping cover in place while juggling wages, materials, fuel, tax, vehicle costs and unpredictable cash flow. A new review by the General Insurance Code Governance Committee is a timely reminder that the way an insurance renewal is presented can make a real difference to what a small business owner understands, compares and ultimately pays. - read more
Mercer Super Fine Shows Why Life Cover Needs Regular Checks Mercer Super Fine Shows Why Life Cover Needs Regular Checks
05 Jul 2026: Paige Estritori

A new Federal Court penalty against Mercer Super has put another spotlight on the systems that sit behind insurance held through superannuation. Mercer Super has been ordered to pay $10.3 million after failures to report internal investigations into significant member service issues to ASIC, including one matter involving insurance premiums that continued to be charged after members had died. - read more
H5 Bird Flu Detections: What Farm Operators Should Review Now H5 Bird Flu Detections: What Farm Operators Should Review Now
05 Jul 2026: Paige Estritori

Australia’s H5 bird flu situation has moved quickly, with authorities responding to new detections in migratory seabirds, including a confirmed case in New South Wales and further concerns in Western Australia. Importantly for producers, officials have continued to stress that there is currently no evidence of infection in poultry or the wider agricultural production system, and the public health risk remains low. - read more
BHSI Launch Highlights SME Management Risk Needs BHSI Launch Highlights SME Management Risk Needs
05 Jul 2026: Paige Estritori

Australian small and medium-sized businesses have another management liability option to consider, after BizCover expanded its partnership with Berkshire Hathaway Specialty Insurance Company on 1 July 2026. The new product has been added to BizCover’s online platform and is aimed at organisations with annual turnover up to $25 million and up to 200 staff, with cover limits available up to $5 million. - read more
Strata Broker Review Raises Fresh Questions for Owners Corporations Strata Broker Review Raises Fresh Questions for Owners Corporations
04 Jul 2026: Paige Estritori

A fresh compliance review into strata insurance broking has intensified the sector’s focus on transparency, governance and the way owners corporations are supported through major insurance decisions. The National Insurance Brokers Association has responded by saying it will continue working with members and the code compliance committee after the review identified shortcomings in strata-related arrangements. - read more
Broker Conflict Findings: A Reminder for Home Service Operators Broker Conflict Findings: A Reminder for Home Service Operators
04 Jul 2026: Paige Estritori

Fresh scrutiny of broker conduct in the strata insurance market is a useful reminder for home service businesses that insurance advice should be transparent, documented and clearly aligned with the client’s interests. The National Insurance Brokers Association has responded to findings from the Insurance Brokers Code Compliance Committee after a review identified weaknesses in representative arrangements, remuneration disclosure, conflict management and oversight. - read more
New Insurance Code Draft Puts Claims Handling in Focus New Insurance Code Draft Puts Claims Handling in Focus
04 Jul 2026: Paige Estritori

The Insurance Council of Australia has opened public consultation on a redrafted General Insurance Code of Practice, with feedback invited until 21 July 2026. The proposal is not yet final, but it is an important development for anyone who relies on insurance to keep a small business operating, including personal trainers, fitness instructors and studio owners. - read more
Canstar’s Latest Update Sharpens the Cost Question for Landlords Canstar’s Latest Update Sharpens the Cost Question for Landlords
04 Jul 2026: Paige Estritori

Canstar’s 3 July 2026 landlord insurance comparison update gives Australian property investors a timely reminder that price is only one part of the cover decision. Its latest published figures, based on March 2026 research, show the national average annual premium for landlord building and contents cover on houses at $2,640, compared with $432 for units. The gap underlines how strongly property type, location, rebuild exposure and insured assets can influence what landlords pay. - read more
Zurich-Honey Deal Brings New Momentum to Landlord Insurance Zurich-Honey Deal Brings New Momentum to Landlord Insurance
04 Jul 2026: Paige Estritori

Zurich Australia is set to deepen its position in the local personal insurance market through an expanded partnership with Honey Insurance, with landlord policies included in the new arrangement. From October 2026, Zurich will underwrite and manage claims for home, landlord and motor policies distributed under the Honey brand, as well as through Bank of Queensland and other partner channels. - read more
What a Major Quad Bike Fine Means for Farm Risk What a Major Quad Bike Fine Means for Farm Risk
03 Jul 2026: Paige Estritori

A recent quad bike fatality case in New South Wales has put farm safety, workplace liability and risk management back under close attention. ABC Rural reported on 2 July 2026 that Wumbulgal Agriculture Pty Ltd was fined $555,000 after an 82-year-old worker died in a quad bike accident at Yenda in the Riverina in February 2023. The company was found to have breached work health and safety obligations. - read more
What DVA’s 2027 Allied Health Changes Mean for Provider Risk What DVA’s 2027 Allied Health Changes Mean for Provider Risk
03 Jul 2026: Paige Estritori

The Department of Veterans’ Affairs has confirmed a significant change to the way allied health care for eligible veterans will be funded from 1 July 2027. The reform combines higher provider fees with the removal of the current treatment cycle and the introduction of a $5,000 annual allied health expenditure threshold for review of clinical effectiveness. - read more
Draft Insurance Code Puts Claims Standards Back in Focus Draft Insurance Code Puts Claims Standards Back in Focus
03 Jul 2026: Paige Estritori

The Insurance Council of Australia has opened public consultation on a redrafted General Insurance Code of Practice, with feedback invited from 24 June 2026 until 21 July 2026. For fitness professionals, this is more than an insurance-sector process. It is a timely reminder that the value of a policy is tested not only by the premium, but by what happens when a claim, complaint or vulnerable customer situation arises. - read more
APRA’s Cyber Data Shift: What Consultants Should Watch APRA’s Cyber Data Shift: What Consultants Should Watch
03 Jul 2026: Paige Estritori

APRA’s latest move on insurance data may sound technical, but it has practical implications for Australian consultants reviewing their risk programmes. The regulator has confirmed it will separately publish cyber insurance and management liability data within the National Claims and Policies Database, rather than leaving those lines blended into broader liability categories. - read more
Why Crane and Rigging Risks Are Testing Construction Insurance Programmes Why Crane and Rigging Risks Are Testing Construction Insurance Programmes
03 Jul 2026: Paige Estritori

A new crane and rigging insurance facility in Australia has put a spotlight on a practical problem that many high-risk contractors already understand: when one job is insured across several policies, a loss can become a dispute about which insurer should respond. - read more
NSW Insurance Taxes Put Premium Affordability Back in Focus NSW Insurance Taxes Put Premium Affordability Back in Focus
03 Jul 2026: Paige Estritori

New South Wales insurance customers are again at the centre of a cost-of-cover debate, after the latest state budget papers showed insurance-related taxes and levies are expected to raise more than $3 billion a year across the forward estimates. - read more
What PSC’s Transport Broker Investment Means for Truck Operators What PSC’s Transport Broker Investment Means for Truck Operators
02 Jul 2026: Paige Estritori

PSC Insurance Brokers’ investment in MA Insurance Brokers is a timely reminder that transport insurance in Australia is becoming more specialised, more relationship-driven and more closely tied to claims performance. The deal, announced on 25 June 2026, sees MA begin operating as PSC Transport Insurance Brokers, with founders Barry Mathison and Mariann Illyes remaining involved as managing principals. - read more
Cancer Claim Decision Shows Why Policy Wording Matters Cancer Claim Decision Shows Why Policy Wording Matters
01 Jul 2026: Paige Estritori

A new Australian Financial Complaints Authority decision has underlined a point that is easy to overlook when buying personal insurance: a serious diagnosis does not always mean a policy benefit will be payable. The ruling, reported on 29 June 2026, involved a claimant who sought benefits after being diagnosed with high-grade urothelial carcinoma of the bladder. Although the illness was serious and required treatment, AFCA found the insurer was entitled to rely on the specific wording of the policy. - read more
What Renewal Price Transparency Means for Boat Owners What Renewal Price Transparency Means for Boat Owners
01 Jul 2026: Paige Estritori

A new review by the General Insurance Code Governance Committee has put renewal pricing transparency back under the spotlight, with findings that matter well beyond home and motor policies. For Australian boat owners, the message is simple: when your policy renewal arrives, the payment frequency can be just as important as the headline premium. - read more
What IAG’s Modular Shelter Move Means for SMEs What IAG’s Modular Shelter Move Means for SMEs
01 Jul 2026: Paige Estritori

IAG’s latest investment through Firemark Ventures is a useful signal for Australian business owners: disaster recovery is no longer just about paying claims after the event. It is increasingly about helping people and enterprises stay operational, connected and on-site while rebuilding happens around them. - read more
Life Insurance Code Review Puts Mental Health and Claims Fairness in Focus Life Insurance Code Review Puts Mental Health and Claims Fairness in Focus
01 Jul 2026: Paige Estritori

Australia’s life insurance sector is facing another important reform moment after the independent review of the Life Insurance Code of Practice released its final report on 30 June 2026. The report, led by former senior regulator Peter Kell, makes 85 recommendations aimed at improving how life insurers communicate, design products, handle claims and support customers who may be vulnerable. - read more
New Cyber Insurance Access Signals a Timely Reminder for Beauty Businesses New Cyber Insurance Access Signals a Timely Reminder for Beauty Businesses
01 Jul 2026: Paige Estritori

Delta Insurance Australia’s latest move onto Ebix Australia’s Sunrise Exchange is a technical insurance market update, but it carries a practical message for salon owners, beauty therapists and mobile beauticians: cyber and management liability risks are becoming everyday small business issues, not just concerns for large companies. - read more
Stolen Tools Case Shows Why Policy Limits Matter for Tradies Stolen Tools Case Shows Why Policy Limits Matter for Tradies
01 Jul 2026: Paige Estritori

A recent Australian Financial Complaints Authority decision has delivered a practical reminder for tradies: the figure shown as a contents sum insured may not automatically apply to every tool, trailer or piece of equipment taken to a job site. - read more
Life Insurance Code Review Signals Higher Standards for Insurers Life Insurance Code Review Signals Higher Standards for Insurers
01 Jul 2026: Paige Estritori

The independent review of the Life Insurance Code of Practice has concluded with 85 recommendations that could reshape how Australian life insurers design products, communicate with customers and manage claims. Released on 30 June 2026, the final report places particular emphasis on mental health cover, vulnerable customers, First Nations customers, claims handling, premium transparency and the enforceability of the Code. - read more
Final Life Code Review Signals Higher Standards for Life Insurers Final Life Code Review Signals Higher Standards for Life Insurers
01 Jul 2026: Paige Estritori

The independent review of Australia’s Life Insurance Code of Practice has moved from consultation to action, with reviewer Peter Kell releasing a final report that recommends 85 reforms. For business owners, directors and partners who rely on life cover to protect revenue, debt obligations and succession plans, the review is more than an industry governance exercise. - read more
Final Life Code Review Puts Mental Health Cover Under the Spotlight Final Life Code Review Puts Mental Health Cover Under the Spotlight
01 Jul 2026: Paige Estritori

The final independent review of the Life Insurance Code of Practice has landed with a substantial reform agenda for Australian life insurers, including recommendations that could reshape how mental health cover, claims handling and premium communication are managed in future policies. - read more
What the Life Insurance Code review could mean for key person cover What the Life Insurance Code review could mean for key person cover
01 Jul 2026: Paige Estritori

Australia’s life insurance rule book is set for a significant rethink after the independent review of the Life Insurance Code of Practice released its final report on 30 June 2026. The review recommends 85 measures, with most requiring changes to the Code that guides how life insurers design products, communicate with customers, handle claims and support people in vulnerable circumstances. - read more
Life Insurance Code review puts fairness and mental health cover in focus Life Insurance Code review puts fairness and mental health cover in focus
01 Jul 2026: Paige Estritori

Australia’s life insurance sector is facing a potentially significant rulebook update after the final report from the independent Life Insurance Code of Practice review was released on 30 June 2026. The report recommends 85 measures, many of which would require changes to the Code, with a strong emphasis on clearer obligations, better consumer understanding and fairer treatment during vulnerable moments. - read more
Major Life Code Changes Proposed for Australian Policyholders Major Life Code Changes Proposed for Australian Policyholders
01 Jul 2026: Paige Estritori

The final report from the independent review of the Life Insurance Code of Practice has landed, and it could become one of the more important consumer protection developments for life insurance Australia in recent years. Reviewer Peter Kell has put forward 85 recommendations, with most requiring changes to the Life Code. This update extends our earlier coverage of the interim review, which invited public feedback on how the Code should evolve. - read more
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Life Insurance Articles

Income Protection vs. Total Permanent Disability: Which Is Right for You?
Income Protection vs. Total Permanent Disability: Which Is Right for You?
Financial security is crucial in today's unpredictable world, where unexpected events can disrupt the stability and comfort of our daily lives. For Australians, protecting one's income and lifestyle from unforeseen circumstances is a key component of personal finance. - read more
5 Key Factors to Consider When Shopping for Income Protection in Australia
5 Key Factors to Consider When Shopping for Income Protection in Australia
Welcome to our comprehensive guide on securing your financial future in Australia. In a world of uncertainties, income protection insurance plays a critical role in maintaining your financial security and peace of mind. - read more
From Illness to Injury: Understanding the Scope of Income Protection Insurance
From Illness to Injury: Understanding the Scope of Income Protection Insurance
In the uncertain times we face today, where both health and economic climates are unpredictable, safeguarding your financial stability becomes paramount. This is where income protection insurance steps in as an essential safety net. For many Australian families, it's the buffer that ensures life's financial commitments are met, even when ability to work is compromised. - read more
Finding Accidental Coverage When Comprehensive Income Protection Isn't an Option
Finding Accidental Coverage When Comprehensive Income Protection Isn't an Option
Income protection is an integral part of maintaining your financial security, especially in the event that unforeseen illnesses or injuries prevent you from working. Enabling you to receive a percentage of your regular income, this type of insurance provides a safety net, ensuring that you can continue to cover your living expenses and financial obligations whilst recovering. - read more
Separating Fact from Fiction: The Myths of Income Insurance Revealed
Separating Fact from Fiction: The Myths of Income Insurance Revealed
Have you ever thought about how you would manage financially if you couldn't work due to an illness or injury? Income protection insurance is designed to replace a significant portion of your income if you find yourself unable to earn for an extended period. It's an essential safety net, providing peace of mind and financial stability during times of uncertainty. - read more

Knowledgebase
Subrogation:
The process by which an insurance company seeks to recover the amount paid to the policyholder from a third party responsible for the loss.

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