Most direct insurers usually offer Listed Events only as standard. While it’s cheaper, it can also leave you exposed when something unexpected goes wrong. With a Listed Events policy, your insurance will only respond to specific events, and if the damage doesn’t fall under one of these predefined events, it may not be covered. Accidental Damage provides broader protection. It includes everything covered under Listed Events, plus unexpected, unintended, and unforeseen damage.

If something unexpected happens — like a storm, theft, or accidental damage to your home — submitting a home and contents insurance claim may feel overwhelming. But that’s exactly what your insurance is there for. Start by telling us: a brief summary of what happened, provide photos or videos of the damage, list damaged or lost items, provide repair or replacement quotes (if available), and provide police report details if relevant.

If someone is injured or their property is damaged due to your business activities, you may be faced with a public liability incident. Here's what to do: ensure safety first, record the incident details, take photos, do not admit fault or liability, and contact your broker as soon as possible.

If you’ve been involved in a motor accident and believe you’re not at fault, it’s important to take the right steps straight away. This helps protect you legally, support your insurance claim, and recover your costs sooner. Make sure everyone is safe, collect important details at the scene, report the incident to police, and contact your broker as soon as possible.

Workplace injuries can happen in any business — and when they do, it's critical to act quickly and correctly to look after your workers and meet your legal obligations. Firstly, make sure the worker gets medical attention. Secondly, complete a claim form, obtain a First Medical Certificate and sign a Broker Consent form. The employer must provide the broker with an injury report and the broker will lodge the claim with the workers' compensation insurer.

When making an insurance claim you may be given two options: taking a cash settlement or letting the insurer handle the repairs. Both come with benefits and pitfalls that affect your finances, timelines and protection. Talk to your insurance broker to help understand the repair scope and payout estimate, flag any conditions that may affect your choice and help advocate for you if any issues arise during the process.

EPS stands for Expanded Polystyrene — a lightweight, rigid foam material often used in building construction. You’ve probably seen EPS as coolroom panelling, ceiling or wall insulation, wall sheeting or cladding, internal sandwich panels for factories, or external cladding. EPS is considered a combustible material and if exposed to fire or high heat, it can ignite and spread quickly. Because of this, buildings with a high percentage of EPS are considered higher risk by insure

When it comes to insurance, most people focus on the premium — but the real value of your policy is tested at claim time. Policyholders with a broker often receive a higher percentage of their claim paid out than those using direct insurers. Industry data shows that individuals or businesses working with a broker are more likely to have their claim paid in full (or close to full), avoid unnecessary disputes, exclusions, or short payments, and receive faster resolutions with f

Having an insurance broker on your side means you’ve got someone working behind the scenes to make sure you don’t get left uninsured. Insurance brokers track your policy dates for you, follow up more than once, can renew based on existing information, can often reinstate a missed due date and know which covers are too risky to let lapse.

Direct insurers sell insurance straight to customers, without using brokers or intermediaries. They generally operate online or through call centres and offer standardised, off-the-shelf policies. Because direct insurers don’t use brokers, they save money on broker commissions, fees for tailored advice, relationship management and claims support. To keep premiums low, direct insurers simplify their products and reduce how much risk they cover meaning you may not be fully cove

If you own a commercial unit or office space in a strata building, your property must be insured under a strata insurance policy, not a traditional Commercial Property Owners policy. Because the building and infrastructure are shared, insurance must be arranged through the owners' corporation or body corporate, under a strata insurance policy. A standard commercial policy is designed for freehold property, where a single owner is responsible for the entire building and land.

From July 2025, insurance brokers across Australia will need your explicit consent before receiving any commissions for arranging your insurance. This new requirement reflects our industry's commitment to transparency and putting our clients first. It's important to note that there are no additional costs to our clients and the service you receive will remain unchanged.

Run-off insurance is a continuation of your Professional Indemnity Insurance, designed to protect you against claims made after you’ve stopped operating or providing services. So if you cancel your policy when you retire or wind down, and a claim comes in later — you won’t be covered. That’s where run-off comes in.

If you give advice, provide a service, or make professional recommendations as part of your business — you could be at risk of being sued if something goes wrong. That’s where Professional Indemnity (PI) Insurance steps in. It can cover legal costs, compensation, breach of duty or negligence, mistakes or errors and misleading conduct. In some sectors, Professional Indemnity (PI) insurance is mandatory by law or industry regulation, or even required in contracts.

The Public Liability component of your Landlord's Insurance protects you if someone is injured or their property is damaged, because of something related to your rental property — and they decide to seek compensation. If something goes wrong and you're found responsible, liability insurance is what steps in to protect you financially.

If you live in or own a lot in a community title scheme in Western Australia, you’re sharing ownership and responsibility for common property. With shared property comes shared risk — which is why common property insurance isn’t just a good idea, it’s a legal requirement. It protects the shared areas and structures of a community title property against risks like fire, flood, storm damage, or vandalism and ensures all owners in the scheme are financially protected if somethi

Not all insurance policies respond the same way when something goes wrong — especially when it comes to Liability vs Professional Indemnity. Occurrence-based policies (i.e. Public Liability) cover events that happen during the policy period, even if the claim is made years later. Claims-made policies (i.e. Professional Indemnity) cover claims that are made while the policy is active, regardless of when the work was done. Cancelling this type of policy means you're not cover

An insurance broker is a trained, licensed professional who helps clients understand their insurance options and find cover that meets their needs. Brokers don’t work for insurance companies — they act on behalf of the person or business seeking cover. Their role is to provide honest, clear and personalised advice.