Western Australia's risk profile is shaped by the resource sector. The indemnity requirements are higher, the specialist insurers are different, and a generalist approach typically falls short.
Western Australia’s economy runs differently from the east coast, and so does its insurance market. Service companies to the mining and resources sector carry PI and public liability requirements that are among the highest in the country, set by tier-1 operators with sophisticated procurement teams. Construction businesses work on projects with compressed timelines, remote logistics, and contract terms that reflect the resource sector’s risk appetite. Transport businesses run FIFO routes, handle dangerous goods, and carry RTL requirements well above east-coast norms. The Perth insurance market has specialist underwriters who understand this environment. Finding them requires knowing where to look.
Service companies to the resource sector. PI, PL, and contract requirements set by tier-1 operators.
Resource-adjacent and civil construction. Remote area operations, FIFO logistics, and high-value contracts.
FIFO operations, dangerous goods, long-haul interstate. Specialist fleet and cargo cover for WA conditions.
Perth CBD. PI and management liability for professional firms serving resource and government clients.
Fremantle, offshore. Marine liability, hull and machinery, cargo for WA maritime operators.
WA grain belt, horticulture, livestock. Agribusiness property, crop, and liability for rural operators.
Resource sector contracts in Western Australia typically set insurance minimums at $20M public liability and $5M–$20M PI as a baseline. For work in oil and gas, these requirements are often higher and backed by indemnity chains that extend through multiple contractors. Offshore and remote area operations carry additional exposure that most standard commercial policies don’t address. We understand the WA resource sector’s insurance requirements and the specialist markets that write this class of risk.
We’ll review your current cover against WA contract requirements, go to specialist insurers, and give you a full comparison. No obligation, at no charge.