Business Insurance: Unaffordable or Unavailable? 

Doing business involves navigating a myriad of risks which makes insurance (compulsory and noncompulsory) an essential element of a successful business. However, insurance appears to be worrying a growing number of Australian businesses. Ai Group have heard from multiple companies of different sizes, sectors and regions that are facing some combination of steep premium increases and reductions in scope of coverage, or are unable to secure insurance at all. Given these reports, Ai Group launched a small investigation into the prevalence, causes and impacts of these problems. The first step was a short member poll in September 2020, to identify whether insurance was a significant issue for businesses, and what problems they were encountering. This was followed by research into possible causes of the reported issues.

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