Marine Liability Insurance for Boat Detailers
Why Boat Detailers Need Specialist Insurance
As a boat detailer, your work brings vessels back to life polishing, cleaning, restoring, and protecting everything from small runabouts to luxury yachts. But while your job focuses on perfection, accidents can still happen.
Working around marinas, docks, and private vessels means you’re constantly exposed to risks like damaging a customer’s gel coat, scratching paintwork, spilling cleaning chemicals, or injuring someone on site. Unfortunately, most general business insurance policies don’t cover marine environments, leaving many detailers unprotected.
That’s where Marine Liability Insurance steps in. It’s specifically designed for professionals who work on or near the water, giving you financial protection if things go wrong during a job.
What Marine Liability Insurance Covers for Boat Detailers
Marine Liability Insurance protects your business if your work causes property damage, injury, or financial loss while detailing or cleaning a vessel. Typical cover includes:
- Public Liability: Covers third-party injury or property damage caused by your detailing work.
- Damage to Vessels or Marinas: Protection if you accidentally scratch, dent, or damage a boat or marina property while cleaning or polishing.
- Faulty Workmanship: Optional extensions may cover the cost of re-doing your work if it causes further damage.
- Products Liability: Covers liability for cleaning products or materials you supply that lead to damage or injury.
- Legal Defence Costs: Pays for legal expenses if you face a liability claim or dispute.
With the right policy, you’re covered whether you’re working at a marina, on a mooring, or from your mobile detailing van.
Why Regular Public Liability Isn’t Enough
Most standard Public Liability Insurance excludes work performed on or near water. So if a cleaning chemical spills into the water or your buffer accidentally scratches a client’s hull, you may not be covered under a general policy.
Marine Liability Insurance fills that gap, ensuring you’re protected for both land-based and on-water work. Many marinas and boatyards also require proof of marine-specific insurance before allowing contractors on site making it a must for professional boat detailers.
Other Important Insurances for Boat Detailers
To fully protect your business, consider combining Marine Liability with other essential covers:
- Tools & Equipment Insurance: Covers theft or damage to your buffers, pressure washers, vacuums, and detailing tools.
- Commercial Vehicle Insurance: Protects your work van used for transporting supplies and visiting clients.
- Income Protection: Provides a steady income if illness or injury prevents you from working.
- Stock or Consumables Cover: For the cleaning products and materials you store or transport.
These policies together create a safety net that protects both your tools and your livelihood.
How Morgan Insurance Brokers Help Boat Detailers
At Morgan Insurance Brokers, we specialise in Marine Trades Insurance including coverage for mobile and marina-based boat detailers. We understand that every detailing business is different, so we tailor insurance packages to suit your exact needs.
Here’s how we can help:
- Tailored Policies: Coverage designed for your day-to-day operations, whether you’re mobile or working at a fixed location.
- Access to Leading Marine Insurers: We work with trusted Australian underwriters who understand the marine environment.
- Competitive Quotes: We compare multiple policies to find the best value and protection.
- Claims Support: If something goes wrong, we handle the claim on your behalf and guide you through every step.
With Morgan Insurance Brokers, you’ll have confidence knowing your detailing business is properly protected so you can focus on what you do best: keeping boats spotless and clients happy.
Get a Quote for Marine Liability Insurance
If you’re a boat detailer working anywhere in Australia, make sure your insurance is as thorough as your cleaning.
Talk to Morgan Insurance Brokers today about Marine Liability Insurance and additional cover options tailored for marine detailers.
Get a Quote
Does Marine Liability Insurance cover faulty workmanship?
Understanding Faulty Workmanship Cover in Marine Liability Policies
Marine trades face a constant risk of things not going perfectly to plan. A small mistake, such as a loose fitting or incorrect installation, can cause expensive damage.
Many standard Marine Liability Insurance policies exclude faulty workmanship. That means if your work needs to be redone due to an error, the cost to fix your own mistake is typically not covered.
Some insurers offer a “Rectification of Faulty Workmanship” extension, a valuable cover for the costs of re-performing or correcting defective work if it leads to property damage or injury.
What the Policy Wording Says
Australian marine insurers vary in how they treat faulty workmanship:
- Proteus Insurance includes a Rectification of Faulty Workmanship Extension, which overrides the standard exclusion and provides cover up to a sub-limit.
- Nautilus Marine’s Marine Trades Liability policy also offers similar protection, covering certain costs to re-perform work with insurer approval.
- Trident and Berkley Insurance follow similar wording, where the extension applies only if the faulty work has resulted in third-party loss or damage.
In short: Marine Liability Insurance doesn’t automatically cover faulty workmanship, but it can if this specific extension is included in your policy.
What’s Typically Not Covered
It’s important to know where the line is drawn. Marine insurers generally won’t pay for:
- The cost to redo your own work if there was no resulting damage or injury.
- Claims for poor design, advice, or specification (these may require Professional Indemnity Insurance).
- Any work performed outside the scope declared in your policy.
That’s why reading your policy wording carefully and knowing what’s included is critical.
How Morgan Insurance Brokers Can Help
At Morgan Insurance Brokers, we understand that marine work is complex and so are the risks. Our team specialises in Marine Liability Insurance for trades and professionals working on or around the water, including electricians, plumbers, engineers, and boat repairers.
Here’s how we can assist you:
- Policy Review & Advice: We’ll review your current policy wording to see whether it includes a faulty workmanship or rectification extension and explain exactly what it means for your business.
- Access to Specialist Insurers: We work directly with Australia’s leading marine insurers, such as Nautilus, Proteus, and Trident, to secure policies that fit your trade.
- Tailored Coverage: We’ll recommend additional protection if needed, like Professional Indemnity, Tools & Equipment, or Income Protection ensuring you’re covered from every angle.
- Claims Assistance: If something goes wrong, we’ll handle the claim for you, liaising with the insurer to achieve the best possible outcome.
With Morgan Insurance Brokers, you get more than a policy you get a team that genuinely understands marine industry risks and works to protect your livelihood.
Final Thoughts
While many Marine Liability Insurance policies exclude faulty workmanship, adding the right extensions can make a big difference. Having an experienced broker on your side ensures you know exactly where your cover starts, and where it stops.
If you’re unsure whether your policy covers faulty workmanship, or you’d like to review your marine insurance options, Morgan Insurance Brokers can help.
Get a Quote
Marine Liability Insurance for Marine Engineers
Why Marine Engineers Need the Right Insurance
As a marine engineer, your job is all about precision and responsibility. Whether you’re servicing propulsion systems, inspecting fuel lines, or troubleshooting electrical faults on a vessel, you’re often working in environments where the stakes are high — both financially and physically.
A simple mistake, like a loose fitting or wiring fault, could lead to costly damage, downtime, or even safety hazards. Unfortunately, most standard business insurance policies don’t cover work carried out on or near the water.
That’s where Marine Liability Insurance steps in. It’s designed specifically for marine professionals like you — giving you peace of mind that if something goes wrong, your business is protected.
What Does Marine Liability Insurance Cover?
Marine Liability Insurance covers the risks unique to marine engineering work, whether you operate from a marina, workshop, or onboard vessels. Typical cover includes:
- Public Liability: Protection if your work accidentally causes injury or damage to someone else’s property.
- Damage to Vessels: Covers accidental damage to boats, engines, or onboard systems while carrying out maintenance or testing.
- Products Liability: Protects you if supplied components or equipment later cause loss or damage.
- Legal Defence Costs: Covers legal fees and expenses if you’re faced with a liability claim.
This kind of insurance ensures you can keep doing your work even when the unexpected happens.
Why Public Liability Alone Isn’t Enough
Standard Public Liability Insurance is designed for land-based businesses and typically excludes marine activities. If you’re working on vessels, docks, or within marinas, your work likely falls outside the scope of general cover.
Marine Liability Insurance fills this gap by covering both on-water and dockside work, including maintenance, installation, and testing of mechanical systems. Many marinas and contractors will also require proof of marine-specific liability cover before allowing access to site, making it a must-have for compliance as well as protection.
Add-On Covers Marine Engineers Should Consider
Marine engineers often use expensive, specialised equipment and rely on their tools and transport to get the job done. A well-rounded insurance package should include:
- Tools & Equipment Cover: Protection if your diagnostic tools, instruments, or machinery are stolen or damaged.
- Commercial Motor Insurance: Covers your work van or service vehicle used to transport tools and parts.
- Income Protection: Pays a regular income if illness or injury keeps you from working.
- Professional Indemnity Insurance: Protects you if you give technical advice, consultation, or design work that leads to a claim.
- Workshop or Business Property Cover: For those who have a base of operations, covering machinery, stock, and contents.
Together, these policies help safeguard every aspect of your business from your livelihood to your equipment.
How Morgan Insurance Brokers Help Marine Engineers
At Morgan Insurance Brokers, we specialise in Marine Trades Insurance and understand the risks faced by marine engineers. Our team helps you find the right coverage for your business, no matter where or how you work.
Here’s how we make it easier:
- Tailored Solutions: We take the time to understand your work environment and find policies that truly fit your needs.
- Access to Trusted Insurers: We work with leading marine insurance providers who know your industry.
- Competitive Quotes: We compare multiple options to get the best combination of price and coverage.
- Hands-On Claims Support: If something goes wrong, we’ll manage the claim on your behalf — so you can focus on your work, not paperwork.
When you partner with Morgan Insurance Brokers, you’re working with people who genuinely understand marine trades and what’s at stake.
Protect Your Marine Engineering Business Today
Don’t leave your livelihood exposed to the risks of working in or around the water.
Contact Morgan Insurance Brokers today for expert advice on Marine Liability Insurance and tailored coverage for marine engineers.
Get a Quote
Marine Liability Insurance for Mechanics
Why Marine Mechanics Need Specialist Insurance
If you’re a marine mechanic, your work often takes you into some risky and unpredictable environments, onboard boats, at marinas, or in shipyards. Whether you’re repairing inboard or outboard motors, installing fuel systems, or performing general servicing, you’re dealing with high-value assets in confined spaces where accidents can happen fast.
Most general business insurance policies don’t cover marine-related work. If you damage a vessel during repairs or someone is injured as a result of your work, a regular Public Liability policy will likely exclude that claim.
That’s why you need Marine Liability Insurance, it’s purpose-built to protect marine mechanics and trades working in and around the water.
What Does Marine Liability Insurance Cover for Mechanics?
Marine Liability Insurance provides protection for legal and financial liabilities arising from your marine mechanical work. It ensures you’re covered if your services, tools, or parts cause injury, property damage, or other financial loss.
Typical coverage includes:
- Public Liability: Covers third-party injury or property damage caused by your work.
- Damage to Vessels or Equipment: If you accidentally damage a client’s boat, engine, or onboard systems during servicing or testing.
- Faulty Work or Product Claims: Protection if an installation or repair later causes a mechanical failure or loss.
- Products Liability: Covers supplied or fitted parts that later fail or cause damage.
- Legal Defence Costs: Pays for your legal representation in the event of a claim or investigation.
With Marine Liability Insurance, you can take on jobs with confidence, knowing your business is covered whether you’re working at a marina, dockside, or directly on the water.
Is Public Liability Insurance Enough for Marine Mechanics?
In most cases, no.
A standard Public Liability policy generally covers land-based mechanical work but will exclude any activities on or near water. If you’re servicing boats, testing engines on the water, or working in marinas, that exclusion could leave you unprotected.
Marine Liability Insurance closes this gap, ensuring your work is covered where it matters most. Many marinas, boatyards, and marine contractors also require proof of marine-specific insurance before you can begin work so having the right policy isn’t just smart, it’s essential.
Additional Insurance Options for Marine Mechanics
To fully protect your livelihood, it’s important to think beyond just liability. Morgan Insurance Brokers can arrange a complete insurance package for marine mechanics, including:
- Tools and Equipment Insurance: Covers theft or accidental damage to your tools, diagnostic gear, and portable equipment.
- Commercial Motor Vehicle Insurance: Protects your work ute, van, or service vehicle used for mobile jobs and towing boats.
- Income Protection Insurance: Income Protection Insurance Provides financial support if you’re unable to work due to illness or injury, crucial for self-employed mechanics.
- Business Interruption Cover: Helps replace lost income if your operations are disrupted by an insured event.
- Property and Workshop Cover: Protection for your premises, contents, and equipment if you operate from a fixed location.
Having these covers in place ensures you’re protected on every level from your income to your tools, and from your liability to your business assets.
How Morgan Insurance Brokers Support Marine Mechanics
At Morgan Insurance Brokers, we’re experts in Marine Trades Insurance. We understand the challenges faced by marine mechanics and can help you secure the right mix of coverage at competitive rates.
Here’s how we help:
- Tailored Cover: We’ll assess your work environment and customise your Marine Liability and business insurance package.
- Access to Specialist Insurers: We work with Australia’s top marine insurance providers who understand your trade.
- Compliance Support: We ensure your policy meets the insurance requirements of marinas and contractors.
- Claims Assistance: If something goes wrong, we handle the entire claims process so you can get back to work faster.
With Morgan Insurance Brokers, you’ll have a partner who knows the marine industry inside out, helping you protect your reputation, assets, and livelihood.
Get a Quote for Marine Liability Insurance
If you’re a marine mechanic working anywhere in Australia, don’t risk being uninsured for the work you do on or around the water.
Talk to Morgan Insurance Brokers today about Marine Liability Insurance and the additional covers that can protect your tools, vehicles, and income.
Get a Quote
Marine Liability Insurance for Plumbers
Why Marine Plumbers Need Specialist Insurance
As a marine plumber, your job often takes you into some challenging environments, onboard boats, floating pontoons, marinas, or shipyards. You deal with complex systems like sanitation, water supply, bilge, and waste management and even a small mistake can cause major damage.
Most general Public Liability Insurance policies exclude marine work, leaving plumbers who operate around the water exposed. If a fitting leaks, a hose bursts, or an installation fault causes flooding on a vessel, you could be held liable for thousands in repairs or clean-up costs.
That’s why Marine Liability Insurance is essential it’s built specifically to protect plumbers working in marine environments from the risks that standard business insurance doesn’t cover.
What Marine Liability Insurance Covers for Marine Plumbing
Marine Liability Insurance helps safeguard your business if your work causes property damage, injury, or financial loss to others while you’re carrying out marine plumbing work.
Common areas of cover include:
- Public Liability: Protection if your work causes accidental injury or property damage.
- Damage to Vessels or Marinas: Covers incidents like flooding or damage to onboard systems caused during repairs or installations.
- Products Liability: Covers supplied or fitted components that cause future damage or contamination.
- Legal Defence Costs: Pays for the cost of defending yourself against liability claims or investigations.
With the right marine-specific policy in place, you’re protected whether you’re installing water systems on yachts, repairing waste systems in marinas, or maintaining pipes on commercial vessels.
Is Public Liability Insurance Enough for Marine Plumbers?
Unfortunately, most standard Public Liability policies do not cover marine-related work. They often exclude anything performed “on or near water,” which means you’re unprotected if you’re working on boats, pontoons, or jetties.
Marine Liability Insurance closes that gap ensuring your plumbing business has the right protection no matter where the job takes you. It’s also a requirement for many marinas and boatyards, which often won’t let you start work without a valid certificate of marine-specific insurance.
Other Important Insurances for Marine Plumbers
While Marine Liability is crucial, it’s not the only cover your marine plumbing business should consider. To protect your income and tools, the backbone of your trade, you might also need:
- Tools and Equipment Insurance: Covers theft, loss, or damage to your tools, whether they’re on-site, in your van, or at home.
- Commercial Motor Vehicle Insurance: Protects your van or work vehicle used for transporting tools and equipment between jobs.
- Income Protection Insurance: Provides a regular income if you’re injured or too sick to work particularly important for self-employed plumbers.
Bundling these policies with your Marine Liability Insurance ensures full protection for both your work and livelihood.
How Morgan Insurance Brokers Help Marine Plumbers Get Covered
At Morgan Insurance Brokers, we understand that no two marine trades are the same. Our experienced brokers know the ins and outs of Marine Liability Insurance and work directly with Australia’s leading marine insurers to find the right protection for your business.
Here’s how we help marine plumbers:
- Tailored Coverage: We find policies that suit your specific work — from onboard plumbing to marina maintenance.
- Access to Specialist Insurers: We deal with underwriters who understand the marine sector and provide fair, comprehensive cover.
- Competitive Pricing: We compare multiple quotes to secure value-for-money protection without cutting corners.
- Claims Advocacy: If something goes wrong, we handle the entire claims process for you ensuring you get the support you deserve.
- Additional Cover Options: We can package your Marine Liability policy with tool, vehicle, and income protection insurance for complete peace of mind.
Protect Your Marine Plumbing Business Today
If you’re a marine plumber working in Australia, make sure you’re covered for every aspect of your work both on land and on the water.
Morgan Insurance Brokers can help you find the right mix of protection, tailored to your trade.
Get a Quote
Marine Liability Insurance for Electricians
Do Marine Electricians Need Special Insurance?
Yes, marine electricians absolutely need specialised insurance.
Working on or around boats, marinas, and shipyards comes with risks that aren’t covered under standard Public Liability policies. Many general liability insurers specifically exclude marine-related activities, meaning that if you cause damage to a vessel or injury to someone while working on the water, your normal business policy may not respond.
That’s where Marine Liability Insurance comes in. It’s designed specifically for electricians and other contractors who work within the marine environment.
What Does Marine Liability Insurance Cover for Marine Electrical Work?
Marine Liability Insurance provides cover for claims that arise from your work as a marine electrician, whether you’re installing navigation systems, repairing wiring, or maintaining electrical components on a vessel or in a marina.
It can include protection for:
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Public Liability: Covers injury to third parties or damage to their property while carrying out electrical work.
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Damage to Vessels or Marinas: If your work accidentally damages a client’s boat, its electrical systems, or marina infrastructure.
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Faulty Work Claims: Covers your liability if an electrical fault causes further loss or damage after completion of your job.
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Products Liability: If the electrical parts or components you install later cause an incident.
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Legal Defence Costs: Covers the cost of defending a claim or investigation arising from your work.
Marine Liability Insurance gives marine electricians peace of mind that they’re covered for the unique risks that come with working in or around the water.
Does Public Liability Insurance Cover Electrical Work on Boats?
In most cases, no.
A typical Public Liability policy often includes marine exclusions. That means if you carry out electrical work on a vessel, in a marina, or anywhere connected to marine operations, your claim could be rejected.
Marine Liability Insurance bridges this gap ensuring you’re covered for both land and water-based work. This is especially important if you work across different environments, such as:
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Boatyards and shipyards
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Marinas and slipways
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Onboard vessels (private or commercial)
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Dockside or floating pontoons
Having the correct policy in place also helps you meet marina or contractor requirements, as many sites require proof of marine-specific liability cover before you can start work.
How Morgan Insurance Brokers Help Marine Electricians Get the Right Cover
At Morgan Insurance Brokers, we specialise in Marine Liability Insurance for trades working on or around the water, including electricians.
Here’s how we can help:
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Tailored Cover: We assess the nature of your work and recommend policies that include all relevant marine activities.
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Access to Specialist Insurers: We work with leading Australian marine insurers who understand the industry and offer suitable protection.
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Compliance Assistance: We help ensure your insurance meets the requirements of marinas, ports, and contractors.
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Claims Support: If something goes wrong, we’ll manage and advocate for your claim from start to finish.
With our expertise, you can focus on your work, while we make sure you’re fully protected.
Get a Quote for Marine Liability Insurance
If you’re a marine electrician working in Australia, having the right Marine Liability Insurance is essential to protect your business.
Contact Morgan Insurance Brokers today for personalised advice and a competitive quote.
Comprehensive Truck Insurance for Multiple Vehicles
Running a trucking business means managing more than just deliveries and drivers, it means protecting your entire operation. Whether you have two trucks or a growing fleet, insuring each vehicle separately can be costly and time-consuming. That’s where Morgan Insurance Brokers comes in. We help Australian transport operators secure tailored multi-truck insurance policies that simplify cover, reduce admin, and save money.
What Is a Multi-Truck Insurance Policy?
A multi-truck insurance policy (also known as a fleet policy) allows you to insure several trucks under one combined policy. Instead of juggling multiple renewal dates and premium payments, everything is consolidated, making your insurance easier to manage and often more affordable.
This type of policy is ideal for:
- Transport and logistics companies
- Owner-operators expanding to multiple vehicles
- Businesses with delivery, construction, or service fleets
Access to a Large Panel of Truck Insurers
At Morgan Insurance Brokers, we have access to a wide panel of leading Australian truck insurers. That means we’re not tied to one provider, we can compare multiple options to find the right balance of cover, price, and flexibility for your business.
Our broker network includes specialist truck and fleet insurers, giving you access to competitive rates and comprehensive protection that standard insurers often can’t offer.
Information We Need to Provide a Quote
To tailor an accurate quote for your multi-truck insurance policy, we’ll need some basic information, including:
- Number of trucks in your fleet
- Vehicle details (make, model, year, and usage)
- Type of goods carried or services provided
- Radius from base
- Driver history and experience
- Current insurance details
Providing this information helps us find the most suitable coverage at the most competitive rate from our panel of insurers.
Our Ongoing Services and Support
Your partnership with Morgan Insurance Brokers doesn’t stop once your policy is in place. We offer ongoing support to help you manage and grow your business safely and confidently:
- Annual policy reviews to ensure you always have the right level of cover
- Claims assistance - we’ll handle the process from start to finish. Learn how we streamline claims in “Why Every Business Needs an Insurance Broker”
- Advice and updates on industry changes and compliance requirements
- Flexible policy adjustments if your fleet grows or your operations change
We’re here to help you stay protected, compliant, and cost-efficient all year round.
How We Can Help You Save Money
As a trusted insurance broker, our goal is to find the best possible value for your truck insurance. Here’s how we do it:
- Comparing quotes from multiple truck insurers
- Identifying discounts for safe driving and low claims history
- Structuring your policy to minimise unnecessary cover
- Advising on excess levels and coverage options that suit your risk profile
With our market access and experience, you can be confident you’re getting comprehensive protection at the right price.
Partner with Morgan Insurance Brokers
Managing a trucking business is complex, but your insurance doesn’t have to be. Let Morgan Insurance Brokers handle the hard work of finding, negotiating, and managing your multi-truck insurance policy.
Get in touch today for a no-obligation quote and find out how we can help protect your fleet and save you money.
Do I Need Workers Compensation If I Work Alone?
As a business owner, figuring out your insurance obligations can be confusing, especially when you’re working solo or with a small team. One question we hear often is: “Do I need workers compensation insurance if I work alone?” The short answer: It depends on your business structure, whether you have employees (including apprentices/trainees), and which state or territory you operate in.
I am a sole trader that has employees or uses subcontractors — do I need it?
If you decide to hire someone under your ABN, such as an employee, apprentice, or even a subcontractor who is legally classified as a “worker” under your state’s legislation, you may then be required to take out a workers compensation policy. This applies even if the person isn’t technically on your payroll, in many cases, certain contractors are deemed to be workers for the purpose of workers compensation, which means you could still be legally responsible for their cover.
What about a sole trader working alone — do I still need it?
If you’re operating completely on your own with no employees or deemed workers, you generally won’t need workers compensation for yourself. But that doesn’t mean you’re fully protected. As a sole trader, you’re still personally exposed if you suffer an injury or illness that prevents you from working. That’s why it’s essential to consider alternative insurance options, such as income protection, or public liability cover. These types of policies can provide financial protection and peace of mind, helping you stay afloat if something unexpected happens, even when you’re not legally required to have workers compensation.
Other Business Structures and Workers Compensation
While sole traders often wonder whether they need workers compensation, the answer can be different if your business operates under a Pty Ltd, partnership, or another structure. Each type of business entity carries its own responsibilities and legal obligations when it comes to insuring workers.
Pty Ltd Companies
If your business operates as a proprietary limited company (Pty Ltd), it is recognised as a separate legal entity. This means the company, not you personally, employs staff — even if you are the sole director or shareholder. In most states, once you or your company begin paying wages (including director payments under PAYG), workers compensation insurance becomes mandatory. This ensures that anyone working for the company, including directors, is covered if they are injured at work. You can read more about employer obligations in our article on Workers Compensation Insurance.
Partnerships
If your business is structured as a partnership, workers compensation may also apply depending on whether you employ staff. While partners themselves are not considered “workers” and can’t claim against the partnership, any employees hired by the partnership must be covered under a workers compensation policy. Additionally, some contractors may be considered “deemed workers,” which could create an obligation for coverage.
No matter your structure, the key rule remains: if anyone other than you is working in the business and earning income under your ABN, you likely need workers compensation.
Working Directors
If you’re a working director in a company or an active partner in a partnership, your workers compensation obligations — and entitlements — can get a little more complex. It all depends on how you’re paid, the nature of your role, and the laws in your state or territory.
Pty Ltd Companies – Working Directors
In a Pty Ltd company, directors are generally considered separate from the company itself. The company is the legal employer, even if you’re the only person running it.
If you’re a working director who draws a PAYG wage, you’re technically an employee of your own company. This means that in many states, you may need to be included in your company’s workers compensation policy. Some jurisdictions automatically include working directors under the company’s coverage, while others require them to be specifically nominated in the policy.
For example, in Queensland, directors are not automatically covered under workers compensation, they must opt in and request inclusion on the company’s policy. In New South Wales, directors who receive wages are typically required to be covered. Because these rules vary so much, it’s important to check with your state authority or consult a broker who can clarify your obligations.
Partnerships – Active Partners
In a partnership, the situation is different. Partners are considered joint owners of the business, not employees, which means partners themselves are not covered by workers compensation. However, if your partnership employs staff (such as administrative assistants, tradespeople, or apprentices), the partnership is legally required to hold a workers compensation policy to protect those employees.
Even though partners can’t usually insure themselves under workers compensation, they should still consider alternative personal cover, such as income protection, personal accident and illness insurance, or business expenses cover. These can provide similar financial protection if you’re injured or unable to work. You can learn more about suitable options for small business owners in our Sole Trader Insurance guide.
Why It Matters
Many working directors and partners assume that if they’re not hiring external employees, they don’t need any form of workers compensation but that’s not always true. Once you start paying yourself through your company or take on any staff, you could fall under the definition of an employer and become subject to mandatory coverage laws.
If you’re unsure whether you or your business structure requires a workers compensation policy, Morgan Insurance Brokers can help you navigate your obligations and find the right protection. Our team will review your setup, clarify state-based requirements, and ensure that both you and your workers are properly insured.
How Morgan Insurance Brokers can help
At Morgan Insurance Brokers, we explain that workers compensation insurance is mandatory for businesses that employ staff, but the specific requirements differ from state to state. Our team can guide you through these variations and help ensure your policy aligns with your local laws.
For sole traders, our Sole Trader Insurance article highlights that even if you’re self-employed, you may still need workers compensation if you hire employees or subcontractors who fall under the legal definition of “workers.” This is a common point of confusion for small operators, and it’s something we can help clarify.
If you’re running a small business or planning to hire your first employee, our blog on What Insurance Do I Need for My Small Business? outlines the key policies every business owner should consider, from workers compensation to public liability and professional indemnity.
We take the time to understand your industry, risks, and goals, then tailor an insurance program that fits your budget and provides the right level of cover.
So if you’re unsure about your workers compensation obligations, or simply want to make sure you’re properly protected, reaching out to Morgan Insurance Brokers is a smart next step. We’ll help you navigate state-based requirements, compare options, and secure the right insurance to protect your livelihood.
Finding Insurance After Insolvency or Liquidation
When a Business Faces Insolvency
The Challenge: Getting Insurance After Insolvency or Liquidation
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Declined insurance quotes from mainstream insurers
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Inability to renew existing policies after insolvency
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Higher premiums due to past financial issues
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Difficulty getting cover for new ventures started by former directors of insolvent businesses
The Solution: Specialist Cover Through Morgan Insurance Brokers
At Morgan Insurance Brokers, we understand that insolvency doesn’t define your future. Our team works with specialist underwriters who look beyond financial setbacks to consider your business’s full story.
By providing context around your financial position, demonstrating improved management practices, and showing your commitment to stability, we’re often able to secure cover for previously declined businesses, even when others can’t.
We’ve successfully helped many clients in similar situations obtain essential policies, including:
Even after a business has faced insolvency, affordable and realistic insurance options are available to help you rebuild and move forward confidently with the right protection in place.
Why Choose Morgan Insurance Brokers
When other brokers or insurers say “no,” we find a way to say “yes.”
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Access to non-standard markets and specialist underwriters
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Tailored policies for high-risk or previously insolvent businesses
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Guidance and support to rebuild your insurance history
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Transparent communication every step of the way
Moving Forward After Insolvency
The Best Insurance Broker Brisbane Has to Offer
Your Trusted Insurance Partner in Brisbane
Why Morgan Insurance Brokers Are Brisbane’s Top Choice
Here’s why Morgan Insurance Brokers stands out as the best insurance broker Brisbane can offer:
1. Independent, Unbiased Advice
2. Local Expertise That Matters
3. Tailored Coverage for Every Need
4. Personalised, Ongoing Service
Comprehensive Range of Insurance Services
Business Insurance
Their expertise covers:
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Public Liability Insurance
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Professional Indemnity
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Business Interruption Insurance
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Property & Equipment Cover
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Commercial Vehicle and Fleet Insurance
Personal Insurance
Morgan Insurance Brokers offers:
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Home & Contents Insurance
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Motor Vehicle Insurance
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Landlord Insurance
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Travel Insurance
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Life and Income Protection
Specialty Insurance
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Construction & Trades Insurance
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Hospitality & Retail Insurance
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Cyber Risk Protection
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Marine & Transport Insurance
The Morgan Difference: What Makes Them the Best Insurance Broker in Brisbane
✅ Transparent pricing – no hidden fees or confusing terms
✅ Friendly, experienced brokers – with decades of combined expertise
✅ Proactive support – regular policy reviews to ensure ongoing suitability
Serving Brisbane and Beyond
Customer Testimonials
“Morgan Insurance Brokers went above and beyond to find the perfect business insurance package for us. Their knowledge and service are unmatched!”
— David P., Brisbane Business Owner
“They explained everything in plain language and saved me hundreds on my home insurance. I wouldn’t go anywhere else.”
— Samantha L., New Farm Resident
How to Get Started with Morgan Insurance Brokers
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Request a Consultation – Discuss your needs with a qualified broker.
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Receive Tailored Recommendations – Explore options across multiple insurers.
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Get Covered – Enjoy peace of mind knowing you’re properly protected.
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Ongoing Support – They’ll continue to monitor and review your policy over time.
