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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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Music O profile picture
Music O
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Excellent service and quotes! Dump your big insurer and go to these guys!
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J J profile picture
J J
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Highly recommend Luma. Our apartment building's insurance needs are complex, including a Heritage Overlay. Thanks to our broker David at Luma who patiently addressed all our questions, we now have insurance tailored to our specific needs and at a considerably lower price than what we were paying another broker. Fabulous to deal with and a great result for us.
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Rays B profile picture
Rays B
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I met David at one of the Sydney road business association breakfast meetings and he was talking about revieing your insurance policies as there are often many hidden charges or extra cover that may not be needed. David at Luma insurance, reviewed our business polices and I'm pleased to say has saved us a considerable amount in insurance cover costs. I would highly recommend getting Luma insurance to review your policies and only be paying what you need to be paying. Great service and a great team Will be going back for sure
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Saige P profile picture
Saige P
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Christopher profile picture
Christopher
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Luma was excellent in providing our dental clinic insurance. From start to finish, everything was seamless. Very competitive quotes provided compared to others. Have already recommended to all my friends.
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Stephen C profile picture
Stephen C
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Quite simply, solved a Public Liability issue that was crippling our industry for 6 years
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Eduardo N profile picture
Eduardo N
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I highly recommend Luma Insurance. David and Aaron helped my consulting business Neu21 get the Public Liability and Professional Indemnity Insurance fast and hassle free. The price was cheaper by 30% of what we had been paying previously. Communication and process was great and completely transparent. Thank you for your support.
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Emily C profile picture
Emily C
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Unreal experience with David and Aaron- looked after me and my business thoroughly and helped me save a lot of money. Definitely recommend/10
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Jeremy L profile picture
Jeremy L
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Direct, very helpful and easy to deal with.
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Paula A profile picture
Paula A
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I cannot recommend Luma insurance highly enough. David helped me set up my market insurance. He answered all my questions and when unsure about cover for a specific item I was selling, got back to me quickly with the answer I needed. Policy price was very reasonable and service was excellent. Thank you so much, I really appreciate all your help.

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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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