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Year: Month:

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 APRAďż˝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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Knowledgebase
Elimination Period:
The time period between an injury and the receipt of benefit payments from an insurer, particularly in disability insurance.

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