Industries · free · no sign-up
Describe a business. See the covers it needs.
Type what the business does in your own words, including any side work. The lookup finds the matching industry classes and professional occupations, then lists the covers the business is likely to need, why each is listed, and which answers would change it.
General information. The lookup is not advice about any business and does not recommend any insurer or product. Its rules are a first draft and have not yet been reviewed by an underwriter or a lawyer. Check each cover against the circumstances and the policy wording, and check compulsory insurance with the regulator in the relevant state.
The lookup runs in your browser. What you type is not sent to Cuttleflow unless you send feedback. Industry classes: Australian Bureau of Statistics, ANZSIC 2006 (cat. no. 1292.0), © Commonwealth of Australia. Professional occupations: APRA National Claims and Policies Database.
Browse by industry
Twelve industries, the same as the public marketplace.
Each page sets out what goes wrong in that industry and the covers the lookup lists for typical businesses in it.
Professional services
Firms that give advice, design or certify work, where a mistake can cost a client money.
Exposures and covers →
Technology and digital
IT consultants, software businesses and digital agencies, where a system failure or data breach falls back on you.
Exposures and covers →
Consultants, freelancers and trainers
Independent advisers and educators who work for clients on their own account.
Exposures and covers →
Trades and construction
Tradespeople, builders and maintenance businesses working on other people’s sites.
Exposures and covers →
Property and real estate
Agents, property managers and strata managers who handle other people’s property and money.
Exposures and covers →
Health and allied health
Practitioners and clinics that treat or care for patients and clients.
Exposures and covers →
Retail and online stores
Shops and online stores that hold stock and serve customers.
Exposures and covers →
Hospitality and food
Cafés, restaurants, caterers and food vans, with premises, equipment and the public.
Exposures and covers →
Fitness, beauty and wellbeing
Trainers, gyms, salons and therapists who work hands-on with clients.
Exposures and covers →
Manufacturing and wholesale
Businesses that make, import or distribute goods that others use or resell.
Exposures and covers →
Transport and logistics
Couriers, removalists and freight operators carrying goods for others.
Exposures and covers →
Clubs, associations and not-for-profits
Incorporated associations, charities and clubs, with committees and volunteers.
Exposures and covers →
Next: an application and a broker In development
From covers to an indication, then to one named broker.
On the public marketplace, a business will answer a few questions, see an indicative price range where two or more insurers publish rates, and agree to be referred to one broker, who places the risk through the Marketplace. It opens only when the licensing it needs is in place. How the public funnel works →