Industries
An industry page is a hub. It lists the occupations tracked inside that industry and counts which covers those occupations most commonly carry, so the ordering is evidence from the graph rather than an opinion.
Industries differ in what drives their exposure: a trade damages property, a consultant gives advice that turns out wrong, a carrier loses goods that belong to somebody else. The covers follow from that difference.
- Agriculture — Farming and primary production, with plant, livestock and crop exposures.
- Automotive — Vehicle repair, servicing and related trades, working on property belonging to customers.
- Cleaning and facilities — Contract cleaning, grounds and facilities management, usually working inside somebody else’s premises.
- Construction and trades — Building, civil and trade contracting, the most heavily scheme-regulated segment on this site.
- Creative services — Design, media and production businesses, carrying both advice and equipment exposures.
- Fitness and recreation — Trainers, studios and recreation operators, where physical participation is the service.
- Health and disability services — Allied health, care and NDIS-registered providers, with registration obligations on top of insurance.
- Hospitality — Food, beverage and accommodation businesses, with liquor and food-safety obligations alongside cover.
- Personal care services — Hair, beauty and body-treatment businesses, where the work is performed on the client.
- Professional services — Consultants, advisers and licensed professionals whose main exposure is advice rather than physical work.
- Real estate services — Sales, property management and related advice on property belonging to others.
- Retail — Shopfront and online sellers, where stock, customers on the premises and the goods themselves drive the exposure.
- Security services — Guarding, monitoring and security installation, licensed in every state.
- Technology — Software, IT services and digital products, where the loss is usually data or downtime rather than damage.
- Transport and logistics — Road freight, courier and heavy-vehicle operation, regulated nationally as well as by state.
Why industry and occupation are separate
An occupation is what a business does; an industry is the group it sits in. Keeping them as separate entities means a trade can be counted in one industry while sharing covers with occupations in another, without duplicating either page.
Statutory schemes attach to jurisdictions and activities rather than to industries, so scheme requirements are shown on the occupation and scheme pages where they can be stated precisely.