Underwriting Appetite
Citrus Insurance is ideal for a wide range of small businesses, including retail shops, cafes, professional services, tradespeople, consultants, and home-based businesses. We provide tailored Public and Products Liability Insurance to protect against third-party personal injury, property damage, and advertising injury, ensuring your business is covered.
Retail Shops
Clothing stores, gift shops, convenience stores
Cafes and Restaurants
Coffee shops, diners, food trucks
Professional Services
Accountants, lawyers, consultants
Tradespeople
Electricians, carpenters
Home-Based Businesses
Freelancers, online sellers, tutors
Health and Wellness
Personal trainers, yoga instructors, massage therapists
Creative Services
Graphic designers, photographers, writers
Beauty and Personal Care
Hair salons, nail salons, barbershops
Small Manufacturing
Artisans, craft makers, specialty food producers
Why Citrus Insurance?
Citrus Insurance offers fast, easy self-service insurance solutions tailored for small businesses. Enjoy the convenience of managing your policy online, with the option to chat with an agent or call us for support whenever you need it. Backed by experts who understand your business, we provide the perfect blend of efficiency and personal service.
Citrus Insurance is underwritten by Berkley Insurance Company, a member of W. R. Berkley Corporation. Berkley boasts strong financial stability, with all rated insurance company members assigned A+ (Superior) Financial Strength ratings by A.M. Best Company and A+ (Strong) by Standard & Poor’s. This ensures that Citrus Insurance clients can trust in the financial strength and reliability of their coverage.
Citrus Insurance is underwritten by Berkley Insurance Company, who pride themselves on their exceptional claims handling service. With a philosophy of “Play Fair, Pay Early,” Berkley Insurance Australia ensures that small businesses receive prompt, fair, and personalised service. Their experienced claims team is dedicated to minimising disruption and providing peace of mind.
Frequently Asked Questions
General Questions
Public and Products Liability Insurance helps protect you and your business if someone is injured or their property is damaged because of your business activities or products. For example, if a customer slips on a wet floor in your shop or if a product you sell causes damage, this insurance can help cover the costs you’re legally required to pay, including legal expenses.
This is the most common type of insurance for businesses. Claims for injury or property damage can be expensive and could put your business at risk. Sometimes, contracts require you to have this insurance.
The cost depends on things like the level of cover you choose, your business type, expected turnover and number of staff. The best way to find out is to get a quote.
Public and Products Liability Insurance covers you if someone is injured or their property is damaged because of your business activities or products. Professional Indemnity Insurance covers you if your professional advice or services cause a client to suffer a loss.
Every business is different, but you might also need: Property Insurance, Business Interruption Insurance, Cyber Insurance, Management Liability Insurance, Professional Indemnity Insurance, and Workers Compensation Insurance. For tailored advice, speak with a qualified insurance broker at niba.com.au.
Coverage Details
This policy covers your legal liability to pay compensation if your business activities or products cause injury, property damage, or advertising injury to others. It also covers legal defense costs (if approved in writing) and includes some extra benefits. Always check the policy documents for full details of what is and what isn’t covered, including terms, limits, conditions and exclusions.
There are some things this policy doesn’t cover, including: damage to property you own or control, injuries to your employees, liability under certain contracts, cyber incidents, professional advice for a fee, pollution (except limited cases), product recalls, certain diseases, war, terrorism, and incidents involving the US or Canada unless endorsed. Check the policy documents for the full list of exclusions.
No, this insurance generally doesn’t cover liability from professional advice or services you provide for a fee. Exceptions: first aid given on your premises and advice about using or storing your products. If you provide other advice or services, you may need Professional Indemnity Insurance.
No, subcontractors are not covered as insured parties under this policy. If a claim arises from work a subcontractor did, you may still be covered for your own liability, but the subcontractor themselves is not covered.
It depends on your business, how much you interact with the public, and any contract or regulatory requirements. Citrus Insurance offers limits of $5m, $10m, and $20m.
No, Workers Compensation Insurance is separate and required by law if you employ staff.
An excess is the amount you pay towards a claim. Your cover starts once your liability to pay compensation exceeds the excess, up to the selected indemnity limit.
Claims
Log in to My Account on the Citrus Insurance website and select ‘Make a Claim’, or email claims@citrusinsurance.com.au.
Details of what happened, photos or videos, medical reports, repair quotes, names and contacts of witnesses, legal documents, other insurance details, and police reports if applicable.
If you’re not happy with our products, services, or a claim decision, let us know. See the Complaint Resolution Process on our Website for more information.
Making a claim can result in a higher renewal premium.
Each claim is assessed based on its details and the policy’s terms and conditions.
Policy Management
Citrus Insurance is available exclusively through our referral partners.
We accept most major credit cards.
Monthly payments are not currently available.
If we decide to offer you renewal, and unless you opt out of automatic renewal, your Citrus Insurance policy will automatically renew on your policy expiry date and the cost of the renewal will be charged to your nominated payment card. This ensures your cover continues without interruption. Before your policy ends, we’ll send you a renewal notice with all the details.
If we are unable to offer renewal, we will send you a notice explaining this before your policy expires.
Important: If you opt out of automatic renewal, you will need to log into My Account and make payment via your payment card before the policy expiry date to maintain your cover.
Yes, you can cancel anytime. Log in to My Account on the Citrus Insurance website and select ‘Cancel my policy.’
If you haven’t made a claim, you’ll get a refund for the unused portion of your premium, minus any non-refundable government charges.
You should let us know as soon as possible if there are any changes that could affect your insurance coverage. These changes help ensure your policy remains accurate and provides the protection you need. Common examples include:
- Turnover – Increase or decrease in revenue.
- Business Activities – Adding new services or products.
- Location – Moving premises or opening new sites.
- Staffing – Changes in employee numbers.
- Assets – Buying new equipment or vehicles.
- Contracts – Agreements requiring specific cover.
Log into My Account on the Citrus Insurance website to update your payment card.
The default setting for your Citrus Insurance policy is for it to automatically renew each year on your policy expiry date using your nominated payment card details. You can update your renewal preference and payment card details anytime through My Account.
Log into My Account on the Citrus Insurance website to download your Policy Wording, Schedule, and Certificate of Currency.
You can request to add common types of interested parties by logging into My Account on the Citrus Insurance website.
Call Us: 1 800 248 787.
About Us
Citrus Insurance is a trusted provider of business insurance for Australian small businesses. We operate as an authorised representative of Berkley Insurance Company, an APRA-authorised insurer.
Citrus Insurance Services LLC ABN 28 683 638 379 | t/as Citrus Insurance (Citrus Insurance) is an authorised representative of Berkley Insurance Company (limited company incorporated in Delaware, USA) ABN 53 126 559 706 | AFSL 463129 (Berkley), who is the insurer of policies issued by Citrus Insurance.
See the Privacy Policy and Privacy Statement on our website for details.
If you are experiencing Domestic or Family Violence and need assistance, please call us at 1 800 248 787 or visit our website for dedicated support resources.
If you are experiencing Financial Hardship and require help with your policy or payments, please call us at 1 800 248 787 or visit our website for guidance and support options.
Berkley Insurance Australia (BIA) is a specialist general insurer offering tailored insurance solutions across a range of niche product lines. Known for its award-winning service, BIA operates with a strong focus on supporting their partners through fast, responsive underwriting and claims handling.
BIA is part of the W. R. Berkley Corporation, a Fortune 500 global insurance group headquartered in the U.S. All Berkley companies are rated A+ (Superior) by A.M. Best and A+ (Strong) by Standard & Poor’s, reflecting their financial strength and reliability.
With a presence across Australia and the Asia-Pacific, BIA combines global backing with local knowledge to deliver high-quality insurance products and fair, fast claims service.
Report a Claim
If you need to make a claim or notify us of a claim made against you for Property Damage or Bodily Injury, please log into your Citrus Insurance account and submit the details there. We’re here to support you every step of the way.
Call
If you can’t (or don’t want) to self-serve in the portal you can call us any time at 1800 248 787.
Connect with the Citrus Insurance team directly with questions. customerservice@citrusinsurance.com.au