---
title: Types of Business Insurance in Australia | Need Cover Now
description: Plain-English definitions of public liability, professional indemnity, management liability, cyber and business package insurance. General information only.
---

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# Types of business insurance, explained

General definitions of five common types of business insurance available in Australia. Which types suit a particular business depends on its own circumstances, which this site does not assess.

Last updated 4 October 2026

## Public Liability Insurance

Public liability insurance is a type of business cover available in Australia. It is designed to respond to claims of third-party injury or property damage connected to business activities or premises. Terms, inclusions and cover limits vary by insurer and policy.

## Professional Indemnity Insurance

Professional indemnity insurance is a type of business cover available in Australia. It is designed to respond to claims arising from advice, recommendations or services a business has provided to a client. Terms, inclusions and cover limits vary by insurer and policy.

## Management Liability Insurance

Management liability insurance is a type of business cover available in Australia. It is designed to respond to claims relating to a business's management decisions and employment practices, and may include employment practices liability, statutory liability and directors & officers components depending on the policy. Inclusions vary by insurer.

## Cyber Insurance

Cyber insurance is a type of business cover available in Australia. It is designed to respond to costs arising from data breaches and other cyber incidents, such as breach response and notification costs, and third-party liability. Inclusions vary by insurer.

## Business Insurance Package

A business insurance package is a bundled type of cover available in Australia that combines several policy components, such as public liability, contents, business interruption and equipment cover, into a single policy. The specific components included vary by insurer and policy.

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Need Cover Now is operated by RecAlliance Pty Ltd (ABN 88 660 656 422 / ACN 660 656 422), Suite 752, Level 2, UL40, 1341 Dandenong Road, Chadstone VIC 3148.

Need Cover Now is a referrer for Austbrokers Countrywide (Countrywide Insurance Group Pty Ltd, ABN 49 625 733 539, AFSL 511363). RecAlliance is not an insurer, broker or financial adviser, does not hold an Australian financial services licence and does not act on behalf of Austbrokers Countrywide. We do not provide general or personal financial product advice, and nothing on this site is a recommendation that any product suits your circumstances.

If you arrange insurance through Austbrokers Countrywide as a result of a referral from this site, RecAlliance will receive 20% of the commission and broker fees Austbrokers Countrywide earns.

The information on this site is general information about types of insurance available in the Australian market. It does not take into account your objectives, financial situation or needs. Any advice about your insurance will come from Austbrokers Countrywide.

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