BizCover moves into commercial landlord cover - and brokers should take note. Vero, AIG and QBE are now backing online landlord policies for up to 10 buildings, bringing direct competition into a segment of the SME market that has until now been placed through intermediaries 10 Nov 2026 BizCover has added commercial landlord insurance to its online platform, with policies underwritten by Vero, AIG and QBE available to owners of shops, offices and warehouses without broker involvement. The cover includes building damage, public liability and loss of rental income following an insured event. Eligible owners can insure up to 10 properties, each with up to 10 tenants, with public liability limits of A$5 million, A$10 million or A$20 million available. Chief executive Michael Gottlieb said the product was a response to customer feedback and that BizCover planned to expand the offering in 2027. Into broker territory. The launch takes BizCover well beyond the simple single-risk policies it was built on. The platform sells liability, professional indemnity and business packs to small businesses. A landlord with 10 commercial buildings and up to 100 tenants between them is a different kind of client - one that the market has typically served through intermediaries. That distinction matters for how the product will perform in practice. Sums insured, lease obligations, tenant activities and loss-of-rent indemnity periods all vary from building to building, and choosing them online without advice is where errors most commonly occur. In commercial property, those errors tend to mean underinsurance that only becomes visible after a loss. The scale of that risk in the SME market is well documented. Vero's 2026 SME Insurance Index, now in its 15th year, found that many SMEs are not experiencing the full benefit of broker risk advice. Its 2025 edition - which surveyed 1,750 Australian businesses - found only 42% review their sum insured annually, and that more than one in three had experienced a claim where the sum insured was insufficient to cover the loss. For commercial landlords buying online and setting their own building values, that is a material risk that the platform itself cannot mitigate. BizCover's move into this segment also carries a structural tension. AUB Group, the ASX-listed broker group, has held a stake in BizCover since 2020. BizCover also operates a separate platform for brokers, BizCover for Brokers, though the launch announcement did not confirm whether commercial landlord cover will be available through that channel. The channel context. The launch arrives as Australia's intermediated insurance market is growing in premium volume but contracting in the number of firms actively placing risk. APRA data for the six months to December 2025 shows total premiums invoiced through intermediaries reached A$22.97 billion, up from A$21.59 billion in the prior half-year, according to figures published in April 2026. At the same time, as Insurance Business has reported, the number of intermediaries participating in the market has been declining even as the premium pool expands - a concentration trend that is reshaping the competitive dynamics BizCover is entering. Vero's own index data captures the channel shift from the buyer's side. Only 10% of Australian businesses now buy most of their insurance through a broker, down from 27% in 2018, according to the 2025 edition. Direct purchase has grown for simpler products - commercial motor, workers' compensation, travel - while broker relationships have held firmer for more complex commercial risks. Commercial landlord cover, particularly for multi-building portfolios with varied tenant profiles, has historically sat firmly in the latter category. Where the competitive line falls. For brokers, the question is not whether BizCover will take every commercial landlord client - it will not. The insurers backing the product are familiar names in intermediated commercial property, and their willingness to write through a self-service channel signals that they view the simpler end of the market - standard buildings, low-hazard tenants, straightforward lease structures - as suitable for online distribution. APRA data noted significant rate reductions of between 11% and 20% in property cover through the first half of 2026 due to abundant market capacity, which makes competitive online pricing easier to sustain. Larger portfolios, mixed-use buildings and properties with higher-risk tenants are likely to remain with brokers, where the complexity of the risk justifies the advice. The contest will be over owners of three or four shops or offices who, until now, had limited practical options beyond calling a broker. That is a real segment, and in a market where total intermediated commercial property premiums run to tens of billions of dollars annually, BizCover now has the capacity backing to compete in it.

What type of insurance do content creators need? November 4, 2026 * Influencer insurance isn't one standard policy. Different covers address the different risks involved in content creation. * Professional Indemnity, Public Liability and Cyber Liability insurance cover different areas of creator business risk and form part of BizCover's content creators' insurance package. * Portable Equipment, Contents and Theft cover can help protect cameras, computers, production equipment and other business property, depending on the policy. * Personal Accident & Illness insurance can provide financial support if a covered injury or illness prevents a creator from working. * Insurance needs and costs vary between creators depending on their activities, business model, cover selected and other factors. Influencer insurance isn't a single type of policy. Content creators can face several different business risks, which means different types of insurance are designed to provide protection in different situations. The content you produce can create professional liability exposures. Shoots and events can create third-party injury or property damage risks. Your business may depend heavily on digital platforms and data, while cameras, computers and production equipment can represent a sizeable investment. The right mix of insurance will depend on how your creator business operates. In this guide, BizCover Pty'll break down the main types of cover available to content creators and influencers, what each is designed to protect, and the business risks you may want to consider when comparing your options. What insurance do content creators and influencers need? There isn't one type of insurance that every content creator needs. The cover you may consider depends on the content and services you provide, where you work and the risks involved in your business. Professional Indemnity, Public Liability and Cyber Liability insurance can address professional, third-party and digital risks respectively. Creators may also consider Portable Equipment, Contents and Theft cover for business equipment and property, or Personal Accident & Illness insurance if a covered injury or illness prevents them from working. A useful starting point when considering business insurance is understanding the risks involved in how your creator business operates. Three key types of insurance for content creators. Professional Indemnity, Public Liability and Cyber Liability insurance address three different areas of risk that can arise when creating content commercially: professional liability, third-party injury or property damage, and cyber incidents. BizCover has brought these three covers together in its new content creators insurance package, which is among the first bundled insurance offerings specifically designed for content creators in Australia. Here's what each type of cover is designed to protect. Professional Indemnity insurance. Professional Indemnity insurance protects against losses claimed by a third party due to alleged or actual negligence in your professional services or advice. It can also cover defence costs associated with covered claims, subject to applicable policy limits. For content creators, professional exposure could arise through paid content production or other professional services provided to brands and clients. For example, a client could allege that an error or omission in professional work caused them financial loss. Public Liability insurance. Public Liability insurance covers legal fees and compensation costs if a customer, supplier or member of the public claims they suffered injury or property damage as a result of your alleged negligent business activities. Content creators may work at studios, launches, events, client premises and other locations. A third party could trip over production equipment during a shoot, for example, or a creator could accidentally damage someone else's property while filming. Cyber Liability insurance. Cyber Liability insurance is designed to help protect businesses from certain claims and costs arising from cyber breaches or attacks. Depending on the policy, cover can include risks such as data breaches, cybercrime, business interruption, forensic investigation and data recovery. Digital systems are often central to a creator's business. Social platforms connect you with your audience, email is used to communicate with brands, cloud services store content, and websites or online stores may hold customer information. Professional Indemnity vs Public Liability for influencers: what's the difference? The two covers aren't interchangeable. The main difference is the type of liability each policy is designed to address. Professional Indemnity relates to certain claims arising from professional services or advice. Public Liability relates to certain claims involving third-party personal injury or property damage caused by business activities. What other insurance types should content creators consider? Portable Equipment cover. Portable Equipment insurance covers loss and damage to portable equipment associated with a business. Depending on the policy, this can include photographic and video equipment, computers and mobile communication devices. This can be particularly relevant to creators who regularly move production equipment between home, studios, events and client locations. Contents insurance. Contents insurance protects against loss or damage to business items at the insured location, such as equipment, stock, machinery and furniture, following insured events specified by the policy. For a creator working from a dedicated studio or business premises, this might include editing computers, production equipment, furniture and other insured business property kept at that location. Theft cover. Theft cover can protect insured business contents and stock against certain losses caused by theft or attempted theft at the business premises. The circumstances covered depend on the policy. For example, some policies require forcible or violent entry. Personal Accident & Illness insurance. For many independent creators, their ability to personally work is closely connected to the business's ability to generate income. An injury or illness could prevent a creator from filming, travelling to a campaign, attending an event or completing contracted work. Personal Accident & Illness insurance provides a weekly income benefit following a covered accidental injury or illness once the insured person has been signed off work by a medical practitioner for the applicable period. Is influencer insurance compulsory in Australia? There is no mandatory requirement for every Australian influencer or content creator to hold business insurance. However, insurance requirements can arise through contracts, clients, agencies, venues or other commercial arrangements. Creators should check the requirements that apply to the work they take on before signing the contract. How much does influencer insurance cost? The cost of influencer insurance can vary because creator businesses don't all have the same activities or cover requirements. Factors that can affect premiums include the type of content and services provided, annual turnover, the insurance products selected, policy limits, claims history and the value of insured equipment or property. Comparing quotes can help creators understand the cover and pricing available for their unique business model. Compare insurance for your content creator business. BizCover's Content Creators insurance package brings together Professional Indemnity, Public Liability and Cyber Liability cover, with additional business insurance options available depending on how you work. Compare quotes from some of Australia's leading insurers with BizCover, and explore cover options tailored to your content creation business. It's a fast and easy way to compare your options, all in one place. This information is general only and does not take into account your objectives, financial situation or needs. It should not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording or Product Disclosure Statement (available on its website). Please consider whether the advice is suitable for you before proceeding with any purchase. Target Market Determination document is also available (as applicable). (C) 2026 BizCover Pty Limited, all rights reserved. ABN 68 127 707 975; AFSL 501769.