Small Business Insurance Broker in Melbourne and Across Australia

Every small business needs proper insurance coverage to safeguard against suits related to its products or services. Unlike larger corporations, smaller companies cannot afford to contest claims using their resources. This is why getting business insurance is more important than ever.

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We will assist your small business in arranging coverage for your business assets, business income along with liability. Giving you the peace of mind that your hard work and investment is protected.

CP Insurance Services is one of the best small business insurance brokers based in the Melbourne. We make the process simple to find the right insurance coverage with the most competitive premium.

We work with all the top insurance companies and have access to hundreds of insurance products, including “broker-only” products. Don’t waste your valuable time and resources waiting on hold and dealing with insurers that won’t speak to you, or other Brokers that won’t respond quickly to you. CP Insurance Services prides itself on its fast, accurate and competitive response. We do the work for you, so you can go back to focusing and running your business.

If you are worried about small business insurance costs and are hesitant to get a cover, know that the cost will depend on various factors, such as:

  • Business type (High risk/low risk?)
  • Size of your company
  • Coverage that you choose
  • The location of your business
  • Your past insurance history

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Even then, our brokers will shortlist the products that meet your requirements while ensuring it’s affordable to you.

Benefits of Small Business Insurance

You want your business protected against any eventuality or risks. It is an investment on your part and you do not want to see it wasted. While insurance may not immediately be on your list of priorities, it can impact your business and operations significantly. The lack of small business insurance exposes you to avoidable risks that can lead to huge economic setbacks, loss of reputation and even bankruptcy.

Here are some of the advantages of taking insurance for small businesses:

  • Asset protection
  • Reduced financial risk
  • Minimises business interruptions
  • Meets mandatory compliance
  • Ensures business continuity
  • Increases customer confidence
  • Decreases financial burden
  • Possible tax discounts

What Does Small Business Insurance Cover?

There are many insurance policies for small businesses in the market and each one has different features. Even so, they all generally provide coverage for the following:

  • Public Liability
  • Product Liability
  • Professional Indemnity
  • Cyber Risk and Fraud
  • Commercial property Insurance
  • Commercial Motors
  • Management Liability
  • Business Interruption

Get Professional Liability Insurance for Small Businesses at CP Insurance Services

Based in the Melbourne, we are a trusted name when it comes to small business insurance. As the go-to broker for all your insurance needs, CP Insurance Services provides the most competitive and affordable insurance protection for your business. We work with all the top insurance companies and have access to hundreds of insurance products. This helps us find a policy that matches your requirement faster than any other broker.

We recognise that no two clients or their business requirements are alike. Our services are tailor-made for your business and your unique requirements. As your consultant and insurance facilitator, we work for your benefit and not for the benefit of the insurance company. All you have to do is share your requirements and business details with us and our team will do the rest. Get a full range of services including negotiations with the insurance company and paperwork assistance from us, the insurance specialists.

The brokers at our officeprovide honest assessment and advice based on their years of experience and in-depth knowledge of small business requirements and the insurance market. With CP Insurance Services, you get:

  • Wide range of insurance products

  • Tailor-made service

  • Top insurance companies

  • Affordable small business insurance cost

  • Claim assistance

  • Quick turnaround time

  • Transparent dealings

For a face-to-face appointment and to discuss small business public liability insurance and other insurance options in Melbourne and across Australia, you call us on 1300 884 698. You can also fill out the online form on our website and our team will get in touch with you.


Some businesses that are in the high-risk category need mandatory insurance coverage. For other businesses, it is optional but highly advisable to have a comprehensive business insurance policy that covers public liability and product liability. Small businesses without insurance coverage risk high legal bills, financial stress and bankruptcy in case of a claim for damages.

The cost of small business insurance depends on:

  • Nature of business
  • Risk category
  • Location of business
  • Business scale or turnover
  • Coverage required
  • Stand-alone policies or a customised insurance package

In case of an accident, the business can be prosecuted for not having a business cover. The business will have to pay the entire legal cost, court fee and the claim amount awarded to the claimant out of its means. For small businesses, this can result in financial stress or even bankruptcy. Contact our team today and get your business covered from such risks.

Given the scale of your operations, risk category or the coverage required, you can consider the following types of insurance:

  • General liability
  • Professional liability
  • Product liability
  • Commercial property insurance
  • Home-based business insurance

It is best to consult an experienced insurance broker who can assess your business needs and suggest a customised insurance package that provides you with maximum coverage at a competitive price.

These are some of the key benefits of small business insurance:

  • It minimises financial losses
  • It increases credibility
  • It is mandatory for certain business categories
  • You may get a tax discount (based on specific parameters)
  • Helps in risk management
  • Covers equipment, structures
  • Protects your employees
CP Insurance

Why Choose Us

We are an award winning company


Savings Potential

We will work with you to locate and deliver the most competitive balance between coverage and premium for your business.


Superior Protection

We work only with Australian Authorised Insurers, ensuring that we provide the most comprehensive coverage available.


Structured Coverage

From start-up business through to multi-national corporations, we will structure policy coverage to suit which ever sized business you have.


Piece of Mind

Get back to operating your business, knowing all your policies are conveniently managed by our office.

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Have any Question? Ask us anything, we'd love to answer! 1300 884 698

Meet Our Team

Director - Scott O'Neill


Scott O’Neill

Account Executive

Andrea O’Neill

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What our client says..

Our Company has dealt with CP Insurance Services for many years. They have always handled our accounts in a professional manner, maintaining honesty throughout. The attention to detail, provides us with great confidence across all covers we have arranged.

Suzanne Collins

Ronald King Menswear (VIC)

We recently engaged Scott to cover our insurance requirements across our businesses.

The service and information was exact to our needs and the ongoing follow-ups ensure that we are covered as we continue to grow our interests.

We highly recommend this business to all our acquaintances for the knowledge, competitiveness, attention to detail and customer care that is on offer from Scott and Andrea at CP Insurance Services.

John Marasco

Urban Rhythm, Sonata Furnishings

We have been dealing with Scott for over 12 years. We have always been impressed by his service and dedication, toward providing best advice to support the chosen policy for our needs, across our Commercial and Personal Insurances.

Michael Axford

Christomax Pty Ltd (QLD)

Groups & Associations

CP Insurance Services has assembled and managed Member Insurance programs for the following groups, spanning across many years. To discover more information about each group program, please click on the Group Logo’s below.

ARL Member Store Insurance Program
Inter Sport
IWS - Independent Workwear Specialists
Tackle World