Insurance Services Cairns & FNQ

Commercial, Rural, Home

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Reef Insurance Brokers offers a complete range of insurance products specifically designed for the unique needs of Far North Queensland businesses, properties, and residents. Our experienced insurance brokers work with leading Australian insurers to deliver competitive, comprehensive coverage that protects what matters most to you.


Commercial & Business Insurance Solutions

Protect your business investment

Running a business in Far North Queensland comes with unique challenges and risks. From tourism operators managing cyclone season disruptions to retailers dealing with wet season impacts, your business needs insurance coverage that understands regional realities.



Our Commercial Insurance Services Include:


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Public

Liability Insurance

Protect your business from claims of property damage or bodily injury. Essential for all Cairns and FNQ businesses, from shops and cafes to trades and professional services.

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Product

Liability Insurance

Essential for manufacturers, importers, wholesalers, and retailers. Protect your business if your products cause injury or damage.


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Professional Indemnity Insurance

Critical coverage for professionals including accountants, consultants, engineers, architects, and other service providers operating throughout North Queensland.

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Business Interruption Insurance

Safeguard your income during unexpected closures because of damage. Particularly important for FNQ businesses facing cyclone season, floods, or other disruptions that could halt operations.


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Commercial Property Insurance

Comprehensive coverage for your business premises, whether you own or lease. Includes protection against cyclone damage, flooding, fire, and other perils.

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Commercial Vehicle Insurance

Protect your business fleet, from single utes to multiple vehicles. Coverage includes work vehicles, heavy equipment, and company cars throughout FNQ.

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Cyber

Insurance



Modern businesses face digital risks. Cyber insurance protects against data breaches, cyber attacks, and digital liability claims.

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Management Liability Insurance

Protect yourself from the operational risks of running your business.

Rural & Agricultural Insurance

Specialised Insurance for Tablelands & Rural Properties

The Atherton Tablelands and surrounding rural districts are the perfect place distinctive to own and enjoy a lifestyle property, farm or agricultural business. As local insurance brokers based in Atherton, we understand the specific needs of rural properties and business.


Our Farm Insurance Services Include:


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Farm

Property Insurance

Protect your house, sheds, barns, fences, and rural infrastructure against fire, storm damage, and other perils common to the Tablelands region.

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Farm Machinery & Equipment Insurance

Tractors, harvesters, irrigation systems, and agricultural equipment represent significant investments. Our rural insurance packages provide comprehensive machinery coverage.

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Rural

Liability

Insurance

Public liability coverage specifically designed for farming operations, including coverage for farm stays, produce sales, and agricultural tourism or large lifestyle blocks.

Residential & Home Insurance

Protect Your Far North Queensland Home

Your home is likely your largest investment. Far North Queensland properties face unique weather challenges including cyclones, floods, bushfire and tropical storms. Our residential insurance packages provide comprehensive protection for FNQ conditions.



Our Home Insurance Services Include:


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Building

Insurance


Complete coverage for your house and permanent structures. Includes cyclone damage, storm damage, fire, bushfire and other insured events. We specialise in helping Cairns and FNQ homeowners understand their cyclone coverage requirements.

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Contents

Insurance



Protect your furniture, appliances, electronics, clothing, and personal possessions. Tailored coverage levels to match your needs and budget.

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Combined Home & Contents Insurance

Convenient packages that cover both your building and contents with potential premium savings.

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Landlord

Insurance

Specialised coverage for investment properties throughout Cairns and Far North Queensland. Includes loss of rent, tenant damage, rent default and landlord liability. Occupancy options include long terms rentals, short term renal and Airbnb properties.

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Holiday Home Insurance

Specific coverage for your coastal property, Port Douglas beach house, or Tablelands weekender.

Strata & Body Corporate Insurance

Insurance Solutions for Multi-Unit Properties

Apartment complexes, townhouses, and community title properties in Cairns and surrounds require specialised strata insurance. We work with body corporate committees and strata managers to arrange comprehensive, competitively priced coverage.


Our Strata Insurance Services Include:


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Building Insurance for Common Property

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Public Liability Coverage

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Office Bearers Liability

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Voluntary Workers Insurance

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Fidelity Guarantee Insurance

Specialised Insurance Services

Tourism & Hospitality Insurance

Cairns and FNQ's tourism industry requires specific insurance solutions


Our Tourism and Hospitality Insurance Services Include Cover For:


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Hotels & Resorts

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Tour Operators

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Restaurants & Cafes

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Adventure Tourism Activities

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Dive Operators

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Event Venues

Trade & Contractor Insurance

Comprehensive coverage for builders, electricians, plumbers, mechanics and other trades operating throughout North Queensland.


Medical & Healthcare Professional Insurance

Professional indemnity and practice insurance for doctors, dentists, allied health professionals, and medical practices across FNQ.


Why Our Insurance Service is Different

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Experienced Broker Advantage

We compare policies from multiple insurers to find you the best coverage at competitive prices. Our loyalty is to you, not insurance companies.

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Local Knowledge

Based in Atherton and serving all of FNQ, we understand regional risks, local building standards, and the specific coverage needs of tropical properties.

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Personalised Service

Every client receives individual attention. We take time to understand your situation and design insurance solutions that match your specific needs and budget.

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Claims Support

When the unexpected happens, we're here to help. Our team assists with claims processes, ensuring you receive fair treatment and prompt settlements.

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Regular Reviews

Your insurance needs change over time. We provide regular policy reviews to ensure your coverage remains adequate, and competitively priced..


Get Expert Insurance

Advice Today

Ready to discuss your insurance needs?

Contact our friendly team for obligation-free quotes and expert advice.


Phone

0473 007 606

Email

hello@reefib.com.au

Service Area:

All of Far North Queensland including Cairns, Atherton Tablelands, Port Douglas, Mareeba, Innisfail & surrounding regions