Pay your insurance premiums without touching your cash flow
We help Australian businesses fund insurance premiums upfront and spread the cost over manageable repayments — keeping more cash in the business.
For workers’ compensation premiums, financing may also help you secure a pay-in-full discount.
Cash flow is carrying more than it used to
For a lot of businesses, cash flow has less room to move than it used to.
Insurance premiums keep climbing. Wages, super, suppliers and the day-to-day costs of running a business are all competing for the same pool of cash.
Paying an insurance premium in full is sometimes required by insurers. In other cases it can make sense, particularly where there’s an early payment discount on offer — but it’s still one more call on cash that could be working elsewhere in the business.
Financing the premium means you can spread the cost over time while keeping more cash available for the things that keep your business moving.
A big bill doesn't have to mean a big cash hit
Insurance premium finance lets you fund eligible business insurance premiums rather than paying the full amount upfront from your own cash flow.
Where an early payment discount is available, it can also mean accessing that saving without wearing the full upfront cost.
We help you work through what it looks like for your business, then Oscar and the team handle the arrangement from there.
- Preserve working capital
- Spread large insurance costs over manageable repayments
- Keep available early payment discounts
- Fast turnaround when payment deadlines are approaching
- Finance a range of eligible business insurance premiums
- No obligation. No upfront out-of-pocket cost. Just the numbers and the options available.
What can you finance?
Workers’ compensation and WorkCover premiums
Public liability insurance
Professional indemnity insurance
Commercial property insurance
Motor and fleet insurance
Other eligible business insurance premiums
Whatever your state calls it, we can help finance it
WorkCover. Workers’ compensation. Work injury insurance.
The name changes from state to state, but for many businesses the challenge is the same — a large annual premium hitting cash flow all at once.
We can help businesses explore finance options for eligible workers’ compensation premiums across Australia.
| State or territory | What you may know it as |
| Victoria | WorkCover |
| New South Wales | Workers Compensation |
| Queensland | WorkCover |
| South Australia | Work injury insurance |
| Western Australia | Workers compensation |
| Tasmania | Workers compensation |
| ACT | Workers compensation |
| Northern Territory | Workers compensation |
How we've helped
$120,000
WorkCover premium financed
We recently helped a business access $120,000 in finance to pay its WorkCover premium in full.
That meant the business could secure the available 5% early payment discount without pulling $120,000 out of the business in one hit.
Instead, the premium was spread over manageable repayments — keeping more cash in the business and more options open.
Talk to us
Oscar Westblade, our Business & Asset Finance broker, can talk you through what financing your insurance premium could look like for your business.
- No obligation. No upfront out-of-pocket cost. Just the numbers and the options available.
- Any applicable brokerage fees are added to or deducted from the finance at settlement.
Book a 30-minute chat with Oscar below
Latest news
Beware the bank cashback: how out-of-cycle rate increases can wipe out the benefit
Cashback home loan offers can look attractive, but out-of-cycle rate increases and frequent refinancing can cost borrowers more. Learn what to consider before switching lenders...







