Policies & cover

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We insure $235.7 billion of State assets including Victoria’s road and rail systems, hospitals, schools, cultural institutions, cemeteries and national parks. We insure the work undertaken by our public servants including doctors, nurses and teachers as well the State's treasures, including the art in our galleries and artifacts in our museums.

We also provide domestic building insurance to households undertaking building projects.

Select a policy to get an overview of what and who is covered, or log into the VMIA portal to check your cover, make a claim or track your claim's progress.

Stamp duty

Effective 1 July 2024, stamp duty on eligible business insurance products will be reduced from the current 10% to 9% for the 2024-25 renewal period and will continue to decrease by 1% each year until it reaches 0%. This change is estimated to save our clients around $7 million during the 2024-25 renewal period.

Please note that this reduction applies to most of our policies. Please refer to the below summary table to see if your insurance is impacted.

For more information, please visit the government website: https://www.sro.vic.gov.au/publications/changes-state-taxes-june-2023