Business Protection

Specialists that understand you

At Capricorn Risk Services, we leverage Capricorn’s 40+ years of industry experience to provide access to the right products at the right price.

Business Protection

Capricorn was formed over 40 years ago to support businesses in the automotive industry. It began as a simple buying cooperative, but today over 20,000 Members across Australia and New Zealand have access to a range of valuable Member benefits to be stronger in their business. One of the most important Member benefits is access to Capricorn Risk Services.

Capricorn Risk Services provides Members with a one-stop solution when it comes to protecting their businesses and personal assets from risk. With Capricorn Risk Services, Members can access mutual protection as well as a wide range of insurance products brokered through other providers. This means Capricorn Members can consolidate all their risk protection needs through Capricorn while still earning Capricorn Rewards Points.

  • Property


    Protecting buildings and contents of your business including employees tools from loss or damage from events such as fire, flood, storm, theft, mechanical breakdown and accidental damage.

  • Business Interruption

    Business Interruption

    Protecting you for your financial loss and the increased cost of working to your business due to loss or damage to property.

  • Product Liability

    Public and Products Liability

    Protecting you for the amount that you are legally liable to pay as compensation for personal injury and property damage and also the costs to defend or settle the claim, including the following

    • Property in your care, custody or control
    • Damage resulting from faulty workmanship
    • Cost of rectifying faulty workmanship
    • Road testing of customers’ vehicles (legal liability).
  • Motor Vehicle

    Motor Vehicle

    Protecting your commercial vehicles, your stock vehicles and your motor vehicle fleet.
  • Customer Vehicle

    Customers' Vehicles

    Protecting you in relation to a customers’ vehicle in your care, custody or control irrespective of liability and your customers’ own insurance.
  • Professional Protection

    Professional Protection

    Protecting you and your employees for your civil liability from claims for compensation first made against you and notified to us during the period of protection arising out of a breach of professional duty when providing professional advice for a fee in the conduct of your business.
  • Management Liability

    Management Liability Insurance*

    Management Liability covers you and your business from costs arising from when day to day operations go wrong including Workplace Health & Safety defence, pollution defence, fines & penalties and tax audit/investigations (In New Zealand, this product is known as a "Employers' Liability Insurance")
  • Workers Compensation

    Workers Compensation*

    Covering your employees’ and make understanding your responsibilities and managing your claims easy. Available in WA, NT, TAS and ACT only.
*These product are only available as a general insurance product

With Capricorn Risk Services, you'll get personalised service, with your own dedicated Risk Account Manager who will work with you to obtain the protection options you select. We offer coverage for your business and personal assets, making us a one stop shop with access to a range of risk protection and insurance products.

More rewards and less paperwork, because you can consolidate your billing and use your Capricorn Trade Account to pay for your protection and insurance, which means earning even more reward points to spend as you please!

Find your local specialist

Contact your local Risk Account Manager to discuss your needs.

Contact one of our specialists today.

Email Enquiries

Freecall AU

1800 007 022

Freecall NZ

0800 555 303


If you wish to raise a complaint please contact us at

Capricorn Risk Services Pty Ltd was launched in July 2014 by Capricorn Society Limited as a specialist risk solutions provider to the Motor Trades industry. Capricorn Risk Services is a tied-agent to Capricorn Mutual Limited (CAR 460893) and a corporate authorized representative of Capricorn Insurance Services Pty Ltd (CAR 460893).

You Get

Which Means

Access to more than just insurance, Capricorn Mutual is an exclusive risk protection mutual for Members, that is designed specifically for your automotive business.

Which Means

A choice of protections driven by Members needs - including Business Building, Business Contents, Business Interruption, Burglary, Customers Vehicles, Commercial Vehicles, Professional Protection and Public and Products Liability plus more.

The mutual difference.

Which Means

With no 3rd party investors, Members interests always come first. Profits are reinvested to benefit Members of the mutual.

One-stop shop for Member protection, for both business and personal assets.

Which Means

There’s no need to have insurance policies with lots of different companies. Through Capricorn Risk Services, you can consolidate access to protection from Capricorn Mutual as well as general insurance products.

Personalised service with your own Risk Account Manager.

Which Means

We work with you to obtain the protection options that will best suit your business.

Protection you can trust.

Which Means

Capricorn Mutual is owned by Members and exists for Members. So if you ever make a claim within your protection, we’ll be there to look after you.

One account, more rewards.

Which Means

All your purchases are paid through your Capricorn Trade Account, so you have just one monthly statement and more rewards points to enjoy.