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What is Insurance Premium Funding and how it might help your business.

Insurance Premium Funding is a financial arrangement where an individual or a business borrows money to pay their insurance premiums. It is a popular option for those who want to spread the cost of insurance over time rather than paying a lump sum upfront.

Premium Funding allows businesses to access insurance cover they might not have otherwise been able to afford. It also provides greater financial flexibility as the borrower can choose the repayment terms that best suit their cash flow. Rather than paying the entire insurance premium upfront, the borrower can pay the amount over a specified period, usually between six months and one year.


Premium funding can be used for a variety of insurance products, including:

  • General business insurance
  • Public Liability
  • Professional Indemnity
  • Motor fleet policies
  • Motor vehicle registration fees and CTP
  • WorkCover and workers’ compensation.


One of the key benefits of premium funding is that it can help to smooth out the cost of insurance premiums over time, making budgeting easier for businesses. It also can help free up cash flow for other business expenses – which can be an excellent benefit to small businesses.

It is important to remember that premium funding is a form of debt. Our expert finance brokers will ensure you understand the costs and the structure so you can make an informed decision.

If Insurance Premium Funding sounds like something that would be of benefit to your business, contact us today and one of our network of brokers can assist to see if you qualify.