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Contact a Business Insurance Broker Who Actually Wants To Find You a Lower Premium

Illustration of two people discussing insurance with Sydney Harbour Bridge in background – Luma Insurance contact page.

Insurance that works for you, not against you.

Whether you are looking to save money, want a free review of what you currently have in place or just have questions, we are happy to help. Send us a message. We reply fast.

Got questions?

Want a second opinion on your cover? Or just ready to chat with a business insurance broker who’ll keep it human?

Not sure what cover you need?

Check out what we offer — from public liability to professional indemnity, we break it down in plain English.

Curious how we get paid?Curious why broker commissions are not your friend?

Read how we work and why or fixed fee approach is a game-changer.

FAQs

How often should I review my business insurance?

At least once a year, or whenever something significant changes in your business (change of equipment/ assets, change of staff numbers, or moving premises).

Mainly the fact that the vast majority of brokers make their money from inbuilt and often hidden commissions. To increase their revenue, they need more commissions and are, therefore, heavily incentivised to increase premiums. Other factors include global claims, local weather events and supply and demand in the local market. We address the first one directly to help lower your costs.

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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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