Disclaimer
General information only
coverage.chat provides general information about business insurance. We are not an insurer, broker, or financial adviser, and we do not hold an Australian Financial Services Licence. Nothing here is personal advice, a quote, or a recommendation to buy a particular policy. Read the Product Disclosure Statement and speak with a licensed broker before you decide.
The information on this site is general in nature. It has been prepared without taking into account your objectives, financial situation, or needs. Before acting on anything you read here, consider whether it is appropriate for your circumstances.
Who we are not
coverage.chat is not an insurer, not an insurance broker, and not a financial adviser. We do not hold an Australian Financial Services Licence. We do not issue policies, underwrite risk, bind cover, or handle claims. Nothing in the conversation on this site creates a contract of insurance or a fiduciary relationship.
Insurance and financial advice
Nothing on this site is advice, a recommendation, or a suggestion that any particular cover type is suitable for you. Cover depends on your specific business, your contracts, your state, and the policy wording in front of you. Always read the Product Disclosure Statement (PDS) and any policy wording for the specific product, and speak with a licensed insurance broker or adviser before you decide.
Referral arrangements
Some pages contain a referral link to BizCover. If you use it and take out a policy, we may receive a commission at no extra cost to you. Referral arrangements do not influence which cover types we explain or how we explain them.
We receive no consideration from insurers for the content on this site, and we do not review or approve any policy that a reader ultimately purchases. Comparisons and quotes are provided by the third party we link to, under that party's own terms. We recommend comparing more than one quote regardless of whether you use our links.
Sources and accuracy
We cite primary sources where a statement depends on legislation, a government scheme, or a regulator, and we link to them so you can check our work. Legislation, scheme thresholds, and regulator guidance change. Content is not updated automatically, and links to third party material are outside our control. Verify anything time-sensitive directly with the source before relying on it.
Limitation of liability
To the maximum extent permitted by law, we are not liable for any loss arising from your reliance on general information published on this site, or from decisions you make in relation to an insurance product obtained elsewhere. Nothing in these terms limits rights you have under the Australian Consumer Law that cannot lawfully be excluded.
Contact and corrections
Questions, corrections, or complaints: contact@coverage.chat.