What types of small business insurance do you offer in Australia?

We specialise in SME insurance solutions for a wide range of industries. Common covers include:

• Public Liability Insurance – protects against injury or property damage claims.

• Business Pack Insurance – property, contents, theft, and business interruption.

• Professional Indemnity Insurance – cover for advice-based services.

• Cyber Insurance – protection against data breaches and cyber risks.

• Trades Insurance – cover tailored for tradies and contractors.

We’re based on the Sunshine Coast, but we help businesses throughout Queensland and Australia-wide. We also assist with selected personal insurance policies (see below).

Do insurance brokers in Australia charge a fee for their services?

Most insurance brokers in Australia, including Design Cover, are paid a commission by the insurer. We are an advisory service and act as your advocate, therefore we may charge a broker fee. Our broker fee is dependant on level of complexity of your insurance program. We’ll always be upfront and transparent before you proceed.

Why use an insurance broker instead of buying insurance online?

Buying online can be quick, but it often leaves businesses underinsured or paying for cover they don’t need. An insurance broker works for you, not the insurer, comparing multiple insurers and tailoring cover to your risks.
At Design Cover, we save you time, reduce the risk of gaps, and ensure your insurance is fit for purpose. We also support you year-round with reviews and claims assistance.

Can an insurance broker help with business insurance claims?

Yes. One of the biggest advantages of using an insurance broker is claims support. At Design Cover, we manage the claims process on your behalf — from lodging paperwork to negotiating with insurers.
This ensures faster outcomes and takes the stress off your shoulders, whether it’s a property, liability, or cyber claim.

Do you only work with Sunshine Coast businesses, or Australia-wide?

While our office is in Buderim on the Sunshine Coast, we service clients across Queensland and throughout Australia. Thanks to modern systems, location is no barrier — we work with local trades, interstate consultants, and SMEs nationwide.

How long does it take to get a business insurance quote in Australia?

Straightforward policies like Public Liability Insurance or Trades Insurance can often be quoted the same day. More complex businesses may take a few days as we compare policies and negotiate with insurers.
We always balance speed with accuracy, making sure you get the right cover, not just the fastest option.

Can you review my existing business insurance policies?

Absolutely. Many small businesses discover they’re either paying too much for insurance or not properly covered. We’ll review your current policies, explain them in plain English, and highlight any gaps or savings opportunities.
This service is obligation-free and gives you peace of mind knowing your business is properly protected.

Do you compare multiple insurers or just one?

Unlike going direct to one insurer, we work with a wide range of insurers across Australia. That means we can compare products, pricing, and policy wording to recommend what best suits your business.
Our role is to represent you, not the insurer.

What information do I need to provide for a business insurance quote?

Generally, all we need is:

• Your business name and details

• The type of work you do

• A copy of your current policy (if you have one)

We’ll guide you from there, asking only the relevant questions and sourcing tailored options from our insurer network.

Do you offer personal insurance?

Although business insurance is our specialty, we also provide selected personal insurance products as an ancillary service to existing clients. Many business owners prefer to keep both personal and business cover with one trusted broker.
We can assist with home and contents insurance, landlord insurance, and personal vehicle cover (excluding motor-only policies). By combining both, clients enjoy simplified management, fewer gaps, and peace of mind knowing their assets are protected.