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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.

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Emporium @ profile picture
Emporium @
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Very good service from David! Smooth process throughout!
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David H profile picture
David H
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Highly recommend Luma Insurance. David went above and beyond to help with our insurance costs, and ended up saving us huge amounts on our annual overheads. Couldn't speak more highly of them!
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Tresna L profile picture
Tresna L
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David took the time to actually understand our business rather than just quoting on the previous year's schedule. He came back quickly on every question, pushed for detail from the underwriter when we asked, and was straight with us when something wasn't in our favour. We ended up with better cover than we'd had and a significant saving on premium. Happy to recommend him to other hospitality businesses.
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Lis profile picture
Lis
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I had a great experience speaking with Aaron and David. They advised me with genuine care, honesty, and integrity. Even when they could have made a profit, they were upfront and told me that I wouldn’t need their services. I really appreciated their transparency and willingness to put my best interests first.
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Timothy F profile picture
Timothy F
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Tim m profile picture
Tim m
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Luma have been great
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Timothy F profile picture
Timothy F
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Steven M profile picture
Steven M
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Extremely helpful thanks
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Tomcat B profile picture
Tomcat B
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We couldn’t recommend David and the team at Luma Insurance more highly. As a late-night music venue in Fortitude Valley, finding the right insurance coverage can be challenging, but David and the team took on the challenge. They worked hard to secure us excellent terms and, importantly, at a much better price than we were being quoted through other brokerages. They are attentive, responsive and genuinely go the extra mile. Nothing ever feels like too much trouble, and we always feel like we’re in good hands. If you’re looking for an insurance broker who actually takes the time to understand your business and find the right solution, we highly recommend Luma Insurance and the team!
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Leighroy M profile picture
Leighroy M
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The guys were very quick to respond, thourough with detail and twice as fast as any other broker. I would recommend these guys to anyone in the industry as they made the whole process seamless.

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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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