Whether you’d like to explore Freelancers Insurance Online options, request a quote from a participating insurance broker, or learn more about our referral services, we’re here to assist. You can start your enquiry online and request a referral to a participating insurance broker to discuss your requirements and, where applicable, available options.
We also value your feedback and suggestions - they help us continually improve the Freelancers Insurance Online experience and ensure our services meet the needs of our users.
For general questions, compliments or complaints about our website or referral service, please use our online contact form so we can direct your enquiry to the appropriate department.
If your enquiry relates to a quote, application status, existing insurance policy or loan, repayment, claim, approval decision or another matter being handled by a broker, lender, insurer or other provider, you should contact that business directly. We do not make lending or insurance decisions and do not have access to participating brokers’ or providers’ application, policy, loan or claims systems.
If you previously submitted an enquiry through this website and need assistance identifying or contacting the broker or provider to whom your enquiry was referred, you may contact us and we will check our referral records. Where appropriate, we can also forward your request to the relevant participating broker or provider so they can respond to you directly.
Please do not include sensitive personal or financial information in the contact form, such as passwords, banking details, credit card details, Tax File Numbers, identification documents or other information that is not necessary for us to identify your original enquiry.
Contact Details
Mailing Address: PO Box 1183 Palm Beach, Queensland, Australia 4221
Office Location: 43 Larch Street Tallebudgera, Queensland, Australia 4228
Complaints Handling
If you have a concern or complaint about any aspect of our service, including the way your personal information has been handled, please contact us in the first instance. We will acknowledge your complaint promptly and aim to resolve it within a reasonable timeframe in accordance with our internal complaints procedure.
f you are not satisfied with our response, you can contact the Australian Financial Complaints Authority (AFCA) to check whether it can consider your complaint. AFCA is an independent external dispute resolution scheme approved by ASIC:
For complaints relating specifically to privacy or the handling of personal information, you may also contact the Office of the Australian Information Commissioner (OAIC):
Any personal information you provide via this website will be handled in accordance with our Privacy Policy. We collect this information to respond to your enquiry, manage your request and, where applicable, refer you to a licensed professional.
You can request access to or correction of your personal information at any time by contacting us in writing.
Licensing and Regulatory Information
This website is operated by Clark Family Pty Ltd (as Trustee for the Clark Family Trust), located at 43 Larch Street, Tallebudgera QLD 4228, A.C.N. 010 281 008.
Clark Family Pty Ltd is an Authorised Representative of Unique Group Broker Services (Australian Financial Services Licence No. 509434).
For more information about licensing and regulatory matters, please visit the ASIC website.
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A federal parliamentary inquiry into small business insurance has pushed its reporting timetable into 2027, extending the wait for recommendations on affordability, availability and regulation. For Australian freelancers, consultants and sole traders, the delay matters because the inquiry is examining the same cover types that often sit at the centre of independent work: public liability, professional indemnity, cyber risk and business interruption. - read more
Recent insurance industry reporting has renewed attention on a familiar but often underestimated risk for small businesses: sums insured that no longer match the real cost of recovery. For Australian freelancers, consultants and sole traders, this is not just a problem for shopfronts or factories. A laptop-based business can still rely on specialist equipment, software, a fitted-out home office, client records, portable tools, stock, or a studio space that would be expensive to replace quickly. - read more
Recent general insurance results point to a sector that is in better financial shape than it was during the most intense period of claims inflation, severe weather losses and investment market volatility. Industry reporting on APRA data indicates that premium increases, stronger investment returns and more disciplined underwriting have helped Australian insurers rebuild margins, even as natural hazard risk and repair costs remain persistent pressure points. - read more
Australia’s insurance sector is facing renewed attention over claims handling, with regulators and industry observers continuing to focus on delays, communication failures and the practical impact on customers when a claim becomes difficult. For freelancers, consultants and sole traders, the issue is more than administrative. A slow claim can quickly affect income, client delivery and the ability to keep a business operating. - read more
ASIC’s Federal Court action against QBE Insurance has put insurance renewal pricing back under the microscope. The regulator alleges that some renewal communications may have given customers the impression that promised discounts had been properly applied, when the final premium calculation did not necessarily work that way. The case concerns consumer insurance, but the lesson is highly relevant for Australian freelancers, consultants and sole traders who often renew business cover while juggling client work, tax deadlines and cash flow pressure. - read more
Freelancers in Australia are not always legally required to hold insurance, but some policies may be required by law, licence conditions, professional bodies, client contracts or worksite rules. This guide explains the difference between compulsory cover and optional risk protection. - read more
Freelancing has become an increasingly popular career choice in Australia, offering flexibility and the opportunity to work in diverse industries. Many are drawn to freelancing for the independence it provides, allowing them to manage their own time and projects. However, with the freedom of freelance work comes responsibility, particularly when it comes to financial protection. - read more
Income protection insurance is a type of coverage designed to replace a portion of your income if you're unable to work due to illness or injury. It's an incredibly vital form of insurance for freelancers, who may not have the same safety nets as traditional employees, such as paid sick leave or disability benefits. - read more
Professional indemnity and public liability insurance protect freelancers against different kinds of business risks. This guide explains how they differ, when each may respond, and what sole traders should check before comparing policies. - read more
Freelancers and sole traders may need to make different types of insurance claims, from client disputes to illness, injury or business interruption. This guide explains the general claims process, what documents may be needed and the common issues that can affect claim outcomes. - read more
Knowledgebase
Incontestability Clause: A provision in a life insurance policy that prevents the insurer from voiding coverage due to a misstatement by the insured after a certain period.
