Understanding business insurance costs doesn’t have to be complicated. In this guide, we break down what influences pricing, typical cost ranges for Australian businesses, and practical strategies to save — all without compromising the protection your business needs. Perfect for small business owners, consultants, start-ups, and contractors across Toowoomba, the Gold Coast, and nationwide.

Confused about public liability vs professional indemnity insurance? Learn the key differences, why Australian small businesses need both, and how a broker can help you stay protected.

From our first day in 2023 to being named one of the Top 3 Insurance Brokers in Toowoomba for two years running, Clutterbuck Insurance Brokers has been on a journey built on trust, client-first service, and community support. Founder Brody Clutterbuck reflects on what this recognition means for the team and the local businesses they serve.

Running a business comes with risks — and one accident could cost thousands. Public liability insurance protects your business, and a trusted broker ensures you’re fully covered, supported during claims, and confident in your decisions. Learn how Clutterbuck Insurance Brokers help businesses across Australia find the right cover.

Running a business in Toowoomba comes with unique opportunities—and risks. From unpredictable weather to the challenges of managing staff and customers, having the right insurance is essential for protecting your livelihood. Get expert advice and tailored cover from Clutterbuck Insurance Brokers.

Looking for a trusted Gold Coast insurance broker? Clutterbuck Insurance Brokers shares expert tips on choosing the right business insurance, from public liability to cyber cover, helping startups, small businesses, and established enterprises protect their future.

Insuring a home-based business is crucial, but challenging. The risks vary from cyber attacks to breach of contract. To overcome these risks, conduct a risk assessment, identify potential risks and take steps to mitigate them. Determine appropriate coverage levels by consulting an insurance broker who can offer tailored solutions. They have the knowledge and expertise to guide you through the process and ensure you are adequately covered. Clutterbuck Insurance Brokers offers tailored insurance solutions for small businesses.

Discover why General Property cover is essential for Australian Tradies and things to look out for to ensure you are covered appropriately.

How is it already 2025? Last year was huge for Clutterbuck Insurance Brokers and the Clutterbuck family. Who knows what’s in store this year!

Discover the essential role of insurance for contractors. Learn how legal liability impacts your work and why proper coverage is vital for your business.

Importing products means you must take responsibility in ensuring they are produced to the Australian standards, that they are batch checked, coded and all records of this are kept. In the insurers eyes an importer is deemed the manufacturer and bares liability to claims arising from injury or illness caused by the products.

Learn about insurance availability for individuals with criminal convictions. We discuss how different offenses impact your chances of obtaining coverage.

Learn why prioritising insurance coverage is essential for Australian businesses and homeowners. Avoid financial hardship by investing in a reliable insurance broker.

New South Wales small businesses may be missing out on significant savings with a Stamp Duty exemption on certain insurances. Clutterbuck Insurance Brokers can help you maximise profits.

When operating a transport and logistics business it can be easy to overlook certain risks associated with day-to-day activities. It’s important to have a trusted insurance advisor who understands the industry and can provide tailored recommendations to ensure your unique business remains on the road.

Determining whether you are paying an appropriate price for your cover requires industry experience and knowledge. An Insurance Broker will not only defend you in the event of a claim, but ensure you are not over paying for your insurance compared to the average premium for your risk.

A dedicated claims advocate can greatly benefit your business insurance. They are experts who can navigate the insurance claims process on behalf of a policyholder, ensuring they receive fair treatment and maximum benefits. Insurance claims can be complicated and time-consuming, so having a claims advocate can take that burden off your shoulders and allow you to focus on running your business. An insurance broker can also be your claims advocate by prioritising their clients' needs and advocating for them every step of the way. Ultimately, having a dedicated claims advocate can save you time, money, and stress, and increase your chances of receiving the maximum benefits under your policy.

Regularly reviewing and updating your business insurance policies is essential in ensuring that your business is adequately protected. As your business changes, your risks and insurance needs change too. Failing to update your policies could leave you vulnerable to new risks or paying for coverage you no longer need. It may be helpful to work with an experienced insurance agent or broker who can help you navigate the complex world of insurance. Clutterbuck Insurance Brokers recommend reviewing your policies at least once a year to ensure that your coverage is up-to-date. Contact us to schedule a review of your policies and ensure that your business is properly protected.

In today's digital age, small businesses need to consider potential risks of cyber attacks. Cyber liability insurance provides coverage for businesses in case of a data breach or cyber attack. It helps cover the costs associated with restoring systems, recovering lost data, and notifying customers. Clutterbuck Insurance Brokers specialise in providing insurance solutions for small businesses and recommend a broker to find the right coverage. Along with implementing risk minimisation strategies, regular software updates, employee training, and data backup also help protect against potential cyber threats.

Determining the right level of insurance coverage for your business can be overwhelming. Understanding your business risks is key, starting with essential policies such as public liability, property, and worker's compensation insurance. An insurance broker can help navigate the complex world of insurance and identify any gaps in coverage. Consider business interruption insurance and future expansion plans. Finding a balance between adequate coverage and affordable premiums is crucial. Contact Clutterbuck Insurance Brokers to discuss your business insurance needs and ensure that you have the right coverage.