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Luma Insurance

Insurance that works for you, not against you.

• No hidden commissions • No premium-hiking • Just fair fees •

Illustration of a business owner confidently on the phone, surrounded by books and a map of Australia — symbolising Luma’s local, knowledgeable insurance advice for Australian businesses.

Most brokers make more money when insurance costs you more. Crazy huh?

The person you have charged with getting the right cover at the lowest price actually makes more money by keeping your premium high. We think that’s backwards. We strip out the vaguely disclosed 10-30% commission so you only pay for the protection you actually need.

Whether you’re after public liability insurance, need to review your current policy, or just want to understand what you’re really paying for, we’ll help you get there — no surprises, no hidden incentives.

Proof that we’ve got your back.

ExcellentGoogle star 1Google star 2Google star 3Google star 4Google star 55.041 reviews
5.0Google star 1Google star 2Google star 3Google star 4Google star 5
Excellent41 reviews

© 2026 Luma Insurance. All rights reserved.

Luma Insurance is a trading name of Brunswick Enterprises Pty Ltd. CAR No. 001315571 of General Insurance Brokers of Australia Pty Ltd (AFSL 342546).

Information on this website is factual and general advice only. It does not take into account your objectives, financial situation or needs. Before acting, you should consider whether it is appropriate in light of your circumstances and read the relevant Product Disclosure Statement (PDS).

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