Insurance brokers operate on behalf of their customers. Insurance brokers understand both the potential risks that an individual or business may face and also the various insurance policy options and insurance providers that exist across the market.

Insurance brokers can help customers with hard to place risks to find an insurance provider that can meet their needs.

Insurance Brokers work for the customer and are independent of the insurers that they engage with on behalf of their clients. Insurance Brokers work for their customers and have their customers' best interests at heart. Insurance Brokers do not work for the insurer. Insurance Brokers help their clients to find and source available insurance that matches their needs and requirements.

With almost 4000 Australian Insurance Brokers on Advisr, Advisr is the best place to find an insurance broker right for you. Asking for recommendations from others in your industry or area is a good place to start in looking for an insurance broker. You can search for that insurance broker on Advisr by name.

You can also search for an insurance broker by the type of insurance you need (insurance category), by your industry or by location depending on what is most critical to you. You can learn more about what a broker is like to work with by reading customer reviews left on Advisr. Educating yourself and reading articles by insurance brokers that explain different insurance lines, or dissect exposure to risk in different industries also helps you to find and select an insurance broker that understands your business or personal risk. We have hundreds of articles on Advisr to help you understand your insurance needs and find an insurance broker right for you.

Insurance brokers help clients to reduce their risk by sourcing and matching their clients with appropriate insurance products. Insurance brokers work for their customers. Insurance brokers focus on understanding their customers' risks and exposure and their insurance requirements.

Business car insurance or commercial motor insurance covers your business for costs associated when events like accidental damage occurs to, or theft of, your commercial vehicles. 

If you use your personal vehicle for business use, your personal car insurance may not provide coverage for damage to your vehicle that occurs when using it for business purposes. This exclusion may include for damage to either your car or other vehicles. You should check your car insurance policy to ensure you are aware of your coverage. 

For personalised guidance, please engage with an insurance broker who can help you better understand your business car insurance requirements.

Business Car insurance costs are determined by a few key variables. Here are some of the variables to consider when looking for business car insurance. What is key to remember is that the cost of insurance is often a function of the coverage being provided, so cheaper business car insurance may not always offer the same levels of coverage as most expensive alternatives. You want to consider your coverage requirements first and then seek to find and determine the costs associated. 

Key influences of cost of business car insurance:

Type of cars being insured - make, model and age of cars that your business uses.

Size of the fleet of business cars being insured - are there hundreds of cars in your fleet, a smaller fleet with a few cars or vehicles or a single vehicle.

Usage of the car being insured - the distances being travelled and the type of driving that is occurring.

Frequency of use - how often is the car being utilised to conduct business services?

Drivers of the vehicles - their age, driving record and license status.  

Business car insurance is insurance that provides coverage for the loss that can occur when operating vehicles within your business. Business car insurance can cover the vehicles your business utilises to conduct its operates or might extend beyond the vehicles. 

Using an Insurance Broker for your Business Car insurance needs ensures that your business has managed its risks. Every business is different and an insurance broker can help by assessing your unique business risk profile and providing advice on the best insurance cover, including Business Car insurance for your business. An insurance broker will also help when it comes time to claim, advocating for you to negotiate the best outcome in the settlement of your claim with the insurer. So whether it's vehicle damage, vehicle theft or death or injury of passengers in the vehicle, your Insurance Broker can assist you to be covered.

Advisr has 956 insurance brokers and 209 insurance brokerages specialising in Business Car Insurance. To find the right insurance broker who specialises in Business Car Insurance, check out this page for specialist Business Car Insurance Brokers.

• Read real customer reviews to learn more about them
• Educate yourself about Business Car Insurance by reading articles written by insurance brokers that explain Business Car Insurance
• Ask friends or colleagues to refer their Business Car Insurance broker to you and look them up on Advisr to read their reviews and connect with them.

Advisr is built to help you understand your insurance needs and find an insurance broker that is right for you.

Commercial Motor Fleet cover has varying levels, much like private car insurance. You can choose from comprehensive, third party fire and theft and third party only covers. These policies generally also include third party legal liability cover.

The cost of Commercial Motor Fleet insurance is often a function of the coverage being provided, so cheaper Commercial Motor Fleet insurance may not always offer the same levels of coverage as more expensive alternatives. You want to consider your coverage requirements first, and then seek to find and determine the costs associated. Comprehensive levels of cover will be the most expensive but afford the greatest protection. Cost is also dependent on fleet size, location and usage among other factors.

Using an Insurance Broker for your Commercial Motor Fleet insurance needs ensures that your business has managed its risks. Every business is different and an insurance broker can help by assessing your unique business risk profile and providing advice on the best insurance cover, including Commercial Motor Fleet insurance for your business. An insurance broker will also help when it comes time to claim, advocating for you to negotiate the best outcome in the settlement of your claim with the insurer.

So whether you have a large fleet or small, volunteers or employees, heavy or light vehicles or whether your fleet is used for high or low risk activities, your Insurance Broker can assist you to be covered.

Small Business Insurance is insurance designed to cover small businesses and their particular needs. Sometimes Small Business Insurance may be called a business pack. 

Small business insurance may package or bundle together a few different types of broad insurance coverage into one package. A Business Pack may be more cost-effective and more efficient than a small business buying multiple different policies.  In short, an SME business pack can enable a small business to get insurance coverage for most of their business needs in one package.

Small business insurance may include coverage for:

• Business interruption insurance
• Professional Indemnity
• Public Liability Insurance
• Asset Protection: For motor vehicles, your operating premise, the goods that you store. 
• Cyber Insurance - although it can be worth considering a specialist Cyber Insurance policy to better align with your requirements. 

Small Business Insurance may include coverage for the following insurance areas:

• Business interruption insurance
• Professional Indemnity
• Public Liability Insurance
• Asset Protection: For motor vehicles, your operating premise, the goods that you store. 
• Cyber Insurance - although it can be worth considering a specialist Cyber Insurance policy to better align with your requirements. 

Depending on your coverage requirements for your small business. It is worth considering your legal requirements for operating and the risks that are specific to your business. To better understand what risks you might face and what insurance policies may help to provide coverage, please consider engaging an Insurance Broker. 

Small business insurance costs vary depending on a few key variables:

• Level of cover being sought.
• Type, size and nature of the business that is looking for small business insurance cover.
• Claims history for the business.
• Inclusions and exclusions on the policy being sought.
• Industry trends for the sector and location of the business

What is key to remember is that the cost of Small Business Insurance is often a function of the coverage being provided, so cheaper Small Business Insurance may not always offer the same levels of coverage as more expensive alternatives. You want to consider your coverage requirements first, and then seek to find and determine the costs associated.

Using an Insurance Broker for your Small Business insurance needs ensures that your business has managed its risks. Every business is different and an insurance broker can help by assessing your unique business risk profile and providing advice on the best insurance cover, including Small Business insurance for your business. An insurance broker will also help when it comes time to claim, advocating for you to negotiate the best outcome in the settlement of your claim with the insurer.

So whether it's property damage or personal injury, accidental damage to, or theft of business property, your business vehicles or management liability claims, your Insurance Broker can assist your small business to be covered.