We offer protection for the things that matter most to you
You are not just a number to us… for us it’s personal
Business Insurance
Insurance solutions for all types of business

Your business is your livelihood and represents years of hard work and the investment of many, many hours of dedication. It is important to protect it.

Finding cost-effective and sustainable small business insurance protection in Northern Queensland is no small feat. We understand… we live and work here too.

We can source realistic and relevant business insurance for your business, no matter the size of complexity of your business. We also work closely with our partner insurers to ensure they understand you and your business.

Please examine our brochures:

Cyber Liability Insurance

The threat of cybercrime or a data breach is now considered as one of the fastest escalating risks that a business owner can face in today’s business environment.

It is now estimated that an Australian business experiences some form of breach or hack on their systems or network every 8 minutes.

Your data is valuable and small businesses are considered easy targets by hackers.

Cyber Liability insurance, also known as Data Breach insurance, helps your business to cover the costs associated with a cyber-attack or data breach incident - including the loss of your own profits and claims from third parties, like your customers.

Please examine our brochure:

Management Liability Insurance

Management Liability insurance protects business owners against the financial exposures that come from managing or running a business. It can protect the financial wellbeing of both the company and the personal wealth of its Directors and Officers by offering a layer of financial protection if mistakes happen.

Please examine our brochures:

Commercial Property Insurance

Commercial property owner’s insurance is a specialist insurance field. At Reef Insurance Brokers we can assist Commercial Landlords to find the right 'insurance fit' for your property. Regardless of the size and mix of your commercial building portfolio, quality insurance for commercial buildings in North Queensland is a must and it pays to have a specialist on your side.

Typically, Commercial Property Owner’s Insurance will cover damage to your building and landlords’ fittings or contents and property owners liability risks. Optional protection can be obtained for loss of income, rent default, OH&S or legal costs, cover for glass and signs and machinery breakdown cover if required. Call us for chat about your property portfolio today.

Get a quote for Commercial Property Insurance

Other Insurance Covers For You And Your Business

Everyone’s business is a little different and that means that your insurance needs can be different too…Reef Insurance Brokers can help you with:

  • Farm Insurance, including farm motor and liability
  • Personal Accident and Illness cover for Directors or Sole Traders
  • Plant and equipment insurance
  • Professional Indemnity
  • Specialty Liability covers
  • Transit cover
  • Insurance for the Marine and Aviation sectors
  • Insurance for “Not for Profit” and community association groups
  • We even insure trucks and heavy machinery

Our FNQ services promote trust, integrity, excellence, accountability and partnership


For your business
Finding cost-effective and sustainable small business insurance protection in Northern Queensland is no small feat. We understand - we live, and work here as well.
Personal insurance
When you need home and contents, landlord protection, cyber crime, accident and illness, residential strata or motor insurances then Reef IB have got you covered.
Who we are
Established in 2020 we have already helped many businesses and property owners find sustainable insurance options. We believe in fair, honest and efficient insurance and personal service that works for you.
Making a claim
Our support and advice don’t stop after you purchase your policy. Our Claims Management Services are where we really shine and can add significant value for you.
Contact us
We look forward to working with you

Reef Insurance Brokers
Caroline Holland
Email: hello@reefib.com.au
Phone: 0473 007 606

Address: PO Box 750 Bungalow Q 4870 and PO Box 962 Ravenshoe Q 4888

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Ten Seventy Pty Ltd T/A Reef Insurance Brokers is an Authorised Representative (AR # 1285127) of United Insurance Group AFSL no 327131. ABN: 48 646 410 335

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