An insurance broker acts on your behalf — not the insurer’s. We assess your risks, recommend suitable cover, place insurance with appropriate insurers, and help you at claim time.

In most cases, no. Brokers are typically paid by the insurer, meaning you receive professional advice and support without paying more than going direct.

Insurers sell their own products only. Brokers compare multiple insurers, explain differences in cover, and help ensure you’re not underinsured or exposed to gaps.

Absolutely! We regularly review existing policies to identify gaps, overlaps, or opportunities to improve cover or value — often at no cost.

We arrange a wide range of cover including business insurance, commercial property, public liability, landlord insurance, home & contents, motor, cyber liability, professional risks, and more.

We start by understanding your situation, assets, activities, and risks. From there, we recommend cover that fits your needs — not a one-size-fits-all policy

Absolutely. Claims support is one of the biggest benefits of using a broker. We assist with lodgement, insurer negotiations, and help you through the process.

We are independent brokers. While we work with a panel of reputable insurers, our advice is based on suitability and value — not exclusivity.

Straightforward risks can often be quoted quickly. More complex or larger commercial risks may take longer, but we’ll keep you informed at every step.

Yes. Insurance isn’t “set and forget.” We can update cover as your circumstances change — such as property purchases, business growth, or new risks.

Because good advice matters. We focus on clarity, proper cover, and long-term relationships — not quick sales or generic policies.

We work with businesses of all sizes — from sole traders and SMEs through to larger, more complex operations.

Yes. A prior claim or decline doesn’t mean you’re uninsurable. We know how to position risks properly with insurers.

Not necessarily. Premiums depend on many factors, including claims history, market conditions, and changes in risk — which is why regular reviews matter.

Yes. If you need insurance in place quickly, we can prioritise urgent requests and work to secure cover as efficiently as possible.

We primarily place insurance with Australian-licensed insurers and underwriting agencies, ensuring policies meet local regulatory standards. We dot not used any unauthorised foreign insurers.

We review renewal terms carefully and can negotiate with the insurer or approach alternatives if the changes aren’t reasonable.

Yes. We help assess sums insured, replacement costs, and exposures to minimise underinsurance — one of the most common issues we see.

No. A quote or policy review doesn’t lock you in — it simply gives you clearer information to make an informed decision.