FAQs
Find Quick Answers to Common Questions Here!
Frequently Asked Questions
We understand that insurance can be complex and overwhelming. That’s why we’ve compiled a list of frequently asked questions to help you navigate your insurance journey with ease.
What does an insurance broker do?
An insurance broker works on your behalf to source, structure and manage insurance cover that aligns with your needs. We compare insurers, explain policy options and advocate for you at claim time.
Why should I use a broker instead of going direct?
Our brokers provide tailored advice, access to multiple insurers and support throughout the policy and claims process to ensure you receive appropriate cover, not just the cheapest option.
Do you charge broker fees?
We are transparent about all remuneration and will clearly outline any fees or commissions before proceeding with your policy placement.
Do you work with clients Australia-wide?
Yes. We arrange insurance solutions for individuals and businesses across all Australian states and territories.
How often should I review my insurance?
We recommend reviewing your insurance annually or whenever major life or business changes occur to ensure cover remains appropriate.
What is Professional Indemnity Insurance?
Professional indemnity insurance protects businesses that provide advice or services against claims of negligence, errors or omissions.
What does Cyber Insurance cover?
Cyber insurance provides protection against financial loss and disruption caused by cyber incidents such as data breaches, hacking, ransomware attacks and system outages.
It can cover costs associated with responding to an incident, including data recovery, IT forensics, legal expenses, customer notification, credit monitoring and regulatory fines where applicable. Many policies also include business interruption cover to help recover lost income if your operations are impacted.
Cyber insurance is designed to support businesses both during and after an incident, helping minimise downtime, protect sensitive information and manage the financial and reputational impact.
Why do I need Business Insurance?
Cyber insurance provides protection against data breaches, cybercrime, ransomware attacks and business interruption caused by cyber incidents.
What is Commercial Property Insurance?
Commercial property insurance covers buildings, contents and business assets against risks such as fire, storm damage, theft and vandalism.
What does Home & Contents Insurance cover?
It protects your home structure and personal belongings against risks like fire, storm damage, theft and accidental loss.
What is Comprehensive Car Insurance?
Comprehensive motor insurance covers damage to your vehicle as well as third-party property damage and theft.
What does Landlord Insurance include?
Landlord insurance covers rental properties against tenant damage, rent default, loss of rent and liability claims.
Do I need Luxury Home Insurance for a high-value property?
Yes. Luxury home insurance is designed for prestige properties with higher rebuild costs and valuable contents requiring specialised cover.
What is Vacant Land Insurance?
Vacant land insurance provides public liability protection if someone is injured or property is damaged on your undeveloped land.
How do I request an insurance quote?
Simply complete our online quote form or contact our team directly. We’ll assess your needs and provide tailored options.
How long does it take to get a quote?
Most quotes can be arranged quickly once we receive the required information. More complex risks may require additional insurer assessment.
What information do you need to get started?
We typically require details about the asset or business being insured, risk exposure and coverage requirements.
What happens if I need to make a claim?
Contact us as soon as possible. We’ll guide you through the claims process, liaise with insurers and help manage documentation and outcomes.
Will you assist during the claims process?
We advocate on your behalf to ensure claims are handled efficiently and fairly, keeping you informed.