Most businesses have public liability. But there are seven other policies that quietly carry real exposure. Mark each one Have, Unsure, or Don't have, and we'll show you exactly where you're left open.
~2 minutes · 8 policies · No login to start
8 essential policies
Beyond public liability
Per-policy risk
What each gap exposes
Have / Unsure / Don't
Honest, fast self-check
Broker-ready
Take it to your review
Most Australian small businesses carry public liability cover and assume they're protected. But public liability is only one of several policies that stand between an ordinary business and a claim it can't absorb. The real risk isn't the cover you've deliberately declined — it's the cover you've never thought about, or the policy you're paying for but couldn't actually describe. Professional indemnity, cyber, business interruption, management liability, key person cover: any one of these can be the difference between an inconvenient event and one that threatens the business. The Business Insurance Gap Finder is a free self-assessment that walks you through the policies a typical SME should consider, so the gaps in your cover become visible before a claim exposes them for you.
The tool presents a checklist of the core business insurance categories — public liability, professional indemnity, cyber, workers compensation, business interruption, management liability (directors and officers), key person, and equipment or contents cover. For each one it explains in plain terms what the policy covers and the specific exposure it protects against, then asks you to mark your current status as "Have it", "Unsure", or "Don't have". It tallies anything you don't hold — and anything you leave unmarked — as a gap, flags the ones you're unsure about as worth verifying, and confirms what you already have in place. The result is a per-policy breakdown showing the risk each missing or uncertain policy leaves open and which kinds of business typically need it. It doesn't quote premiums, sums insured, or set limits; it's a structured prompt to surface blind spots and give you a concrete list to take to your broker.
Australian small and medium business owners and directors who want a fast, honest check on whether their insurance cover has quiet holes before their next renewal or broker review.
The short answers are here. For anything else, ask below or get in touch.
Public liability covers injury or property damage to third parties, but it does nothing for a professional negligence claim, a ransomware attack, lost income after a fire, or a claim against you personally as a director. Each of those needs its own policy. The tool's whole purpose is to move you past the one policy most owners have and stress-test the seven others, because the cover you've never considered is usually where the real exposure sits.
These tools work together to give you a clearer picture of your business.
Use these results to make better decisions. If you'd like a second pair of eyes on them, an advisor can walk through what they mean for the business.
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