Business insurance · Australia
Smart Business Insurance
Victorian insurance broker arranging business insurance for small businesses, including tradies
Market position
Smart Business Insurance Pty Ltd is a Victorian insurance broking business whose ABN has been active since January 2013. As a broker it seeks quotes from the insurers it deals with regularly and places cover on the client's behalf, rather than selling one insurer's policy. Its financial services guide lists business packages, public and products liability, construction and plant insurance among the covers it arranges.
Australia-specific note
Smart Business Insurance Pty Ltd (ABN 88 162 162 576) holds authorised representative number 437328 and acts under another firm's Australian financial services licence; ask for its current financial services guide to see which licensee is responsible and how it is paid.
Pros
- + Advised broker that seeks quotes from several insurers on the client's behalf
- + Arranges a broad range of business covers, including public and products liability, construction and plant
- + Premium funding can be arranged to pay by instalments
- + In business since at least 2013 (ABN active from January 2013)
Cons
- − No confirmed public prices; premiums are quoted per client
- − Premium funding for instalments charges interest
- − Advice usually covers only the insurers it deals with regularly, not the whole market
- − Not a trades-only broker
Typical Australia pricing
Quote-based; premiums depend on the trade, cover and insurer. No published prices confirmed.
Why this matters for Australia trades
Trade licensing is run by the states: Building Commission NSW issues NSW building and trade licences, QBCC licenses Queensland builders, plumbers and drainers (electrical work is licensed separately by the Electrical Safety Office), Victoria’s Building and Plumbing Commission registers and licenses plumbers, Building and Energy registers WA builders and licenses electricians, plumbers and gas fitters, and CBS licenses South Australian building and PGE contractors. Automatic Mutual Recognition lets licence holders from participating states work in NSW and, depending on the occupation, in WA, usually after notifying; Queensland does not take part. Employers report pay and super to the ATO through STP-enabled payroll software each payday, and from 1 July 2026 must pay the 12% super guarantee when they pay wages.
Australian trades vendor selection is shaped by state-based licensing, Single Touch Payroll (STP) reporting to the ATO, super guarantee payments (due with each pay run under Payday Super from 1 July 2026), GST registration once turnover reaches $75,000 (per business.gov.au), and local lead services such as hipages, Localsearch and Yellow Pages.
Frequently asked
Is Smart Business Insurance a good fit for Australia trades?
Smart Business Insurance Pty Ltd is a Victorian insurance broking business whose ABN has been active since January 2013. As a broker it seeks quotes from the insurers it deals with regularly and places cover on the client's behalf, rather than selling one insurer's policy. Its financial services guide lists business packages, public and products liability, construction and plant insurance among the covers it arranges. Smart Business Insurance Pty Ltd (ABN 88 162 162 576) holds authorised representative number 437328 and acts under another firm's Australian financial services licence; ask for its current financial services guide to see which licensee is responsible and how it is paid.
What does Smart Business Insurance cost in Australia?
Quote-based; premiums depend on the trade, cover and insurer. No published prices confirmed. Pricing and availability can change by region; confirm current Australia pricing on the vendor's site before committing.