Insurance Brokers Townsville

Business insurance advice and quotes at your fingertips.

Townsville is Australia’s largest urban centre north of the Sunshine Coast with a population of approximately 180,000. A city located on the Northeast coast of Queensland, Townsville attracts many tourists, as it lies adjacent to the central section of the Great Barrier Reef. It is considered by locals to be the unofficial capital of North Queensland, and it hosts a significant number of governmental, community and major business administrative offices for the northern half of the state.

In 2004, there were around 11,700 businesses in Townsville and 4,610 in nearby Thuringowa. The city has its own manufacturing and processing industries and is the only city globally to refine three different base metals Zinc, Copper and Nickel.

At PSC Direct, we understand the risks that businesses operating in this area are exposed to. Combining our in-depth knowledge of Townsville and its surrounds with our experience in sourcing insurance for thousands of other businesses, we are able source the most appropriate cover for companies in this region.

Our Insurance Brokers can help your business survive the unexpected, with minimum losses.

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There are a number of territory and federal government initiatives that provide support networks, resources and grants for small businesses.

PSC Direct Insurance Brokers understand the specific risks that businesses in Townsville and the QLD are exposed to.

We make it our number one priority to source an insurance solution that addresses these risks and protects local businesses for the long term.

What Are the Specific Risks Faced By Townsville Businesses?


Popular attractions in Townsville include “The Strand”, Riverway, The Museum of Tropical Queensland, and Magnetic Island; a large neighbouring island, the vast majority of which is national park. Townsville is also a popular destination for many of the 2 million tourists that visit the Great Barrier Reef each year.

Businesses operating within the tourism sector contribute significantly to the economy of the state. These businesses however, are exposed to certain risks unique to the industry that they operate in. In Townsville’s hospitality sector, managers and business owners have to deal with a wide array of human behaviour, so all hospitality businesses should be appropriately covered for things like Public Liability, Fire, Theft and Personal Injury.


Like most of North Queensland, the Townsville area is particularly susceptible to tropical cyclones. Usually occurring between December and April, these cyclones form mainly out in the Coral Sea, and usually track west to the coast. The most severe cyclones to affect the Townsville Region recently were Cyclone Yasi (2011), Cyclone Tessi (2000) and Cyclone Sid (1998), which caused major flooding in Townsville and Thuringowa.

Businesses operating in this region are all too aware of the cyclone risk, and should incorporate it into their risk management strategy. Cyclones can cause severe damage to business assets and property, so an appropriate insurance policy may be necessary for protection. PSC Direct Insurance Brokers Townsville can help ensure that your business survives with minimum financial losses should a cyclone hit.


Townsville has its own manufacturing and processing industries and is the only city in the world to refine three different base metals – Zinc, Copper and Nickel. In the manufacturing industry, businesses are particularly exposed to a number of risks and hazards due to the tasks performed. The main risk in the manufacturing industry is that of employee injury, while other risks include vehicle-manoeuvring accidents, poorly maintained machinery, and the use of hazardous substances.


Townsville hosts several sporting teams that participate in national competitions, including the North Queensland Cowboys, the Townsville Fire and the Townsville Crocodiles. These teams play at a range of venues from the Townsville RSL Stadium to the Townsville Entertainment Centre and the 1300Smiles Stadium.

 Businesses operating within the sports and leisure industries are exposed to a number of risks. It’s important that the organisers of these sporting events and the participants are fully covered with appropriate insurance.

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What Do Insurance Brokers Townsville Do?

At PSC Direct, we know that choosing the right cover for your business can be complicated, but we also know that it is necessary to fully protect your business assets and livelihood. That’s why we make it easy for you to get the cover you need, when you need it.

Our Townsville Insurance Brokers will apply their expert risk management experience with their knowledge of the region to source appropriate cover. The insurance cover most appropriate for your business depends on your business’ circumstances, industry and location. Covers we may suggest for businesses in the Townsville region may include: 

  • Business Pack Insurance: Providing a wide range of insurance protection for your business that can be adjusted to suit your company’s specific needs.
  • Hospitality InsuranceSpecialist business insurance curated to address the risk exposure of businesses operating within the hospitality sector.
  • Machinery Insurance: Designed specifically to cover your machinery and equipment, Machinery Insurance is more specialised than commercial motor vehicle insurance, most notably because it covers off-road usage.
  • Manufacturing Insurance: Manufacturing Insurance is specialist insurance cover specifically designed to protect businesses operating within the manufacturing industry.
  • Public Liability Insurance: Protection against legal and court costs in the event that someone is injured, or has their property damaged while you are providing a service to them.

Get a Quote

As specialist small business insurance brokers, PSC Direct uses our considerable experience to provide multiple quotes for you. Combining our expertise insuring thousands of other similar businesses with our detailed database of insurers and insurance products; we’re best placed to advise you on the right insurance for your business.

We have strong relationships with the leading underwriting agencies and insurance companies. We can source the most appropriate business insurance policy for you, covering you for what you really need, at the right price.

If you are a Townsville-based business owner, we can find a policy to suit your unique requirements.