- 13/979 Albany Hwy, East Victoria Park WA 6101
Most people find out what their policy does not cover at the worst possible moment. A review costs you nothing and takes one conversation.
Send us your current schedules and wordings. We will read them, tell you what they cover, what they exclude, where the sums insured sit against current replacement costs, and whether the premium is consistent with the market. If your existing arrangements are sound, we will say so.
There is no obligation to move your insurance to us.
The schedule tells you the limits. The wording tells you whether you get paid. We read both, including the exclusions, special conditions and sub-limits that decide a claim.
Building costs, plant replacement values and stock levels have all moved. We check what you have declared against what it would actually cost to replace, and flag where an average or co-insurance clause could cut your payout.
What you hold, what it covers, what it does not, and where we think the gaps carry real consequence. Plus our recommendation and the reasoning behind it.
The most common and most expensive problem we find. Underinsure a building by 40 per cent and the insurer can cut a partial claim by the same proportion.
Twelve months of business interruption cover is rarely long enough to rebuild, re-fit and get customers back.
If your contracts specify limits, named insureds or a waiver of subrogation, we check the policy actually delivers them.
Where two policies both point at each other and neither responds.
It happens more often than you would think, particularly where policies have been bought at different times from different places.
Professional indemnity and management liability respond based on when the claim is made, not when the work was done. Changing insurer without run-off cover can leave you exposed for work already completed.
That is it. We do not need your financials to do a review.
Businesses, builders, property owners, investors and households across Perth and the Pilbara. Whether you currently deal with another broker, buy direct, or have policies that have simply rolled over for years without anyone looking at them.
If you are a builder, we will also check your Home Indemnity Insurance eligibility limits against the work you have on and the work you are quoting.
Yes. We are paid a commission by insurers on policies we place, which is how a review can be offered at no cost. If you decide to move your insurance to us, we will tell you what we are paid before you commit. If you decide not to, you owe us nothing.
No. Plenty of reviews end with us telling someone their current arrangements are fine. We would rather you heard that from us than kept wondering.
Not without your instruction. A review is done from your documents. We only approach the market if you ask us to.
Send the schedules and we can usually obtain the matching wordings ourselves. The schedule tells us the insurer, the product and the version, which is generally enough.
One conversation tells you what the cover actually does, whether the price is fair, and what the rest of the market says about both. No jargon and no sales pitch.
Call us now, most enquiries are settled in one conversation.
Answered 24 hours a day: a broker in office hours (8am–6pm Mon–Fri), and after hours we take your details and a broker rings you back from 8am on the next business day.
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ABN 71 150 896 610 | AFS Licence No 554587
The information on this website is general in nature and does not take into account your objectives, financial situation or needs. It is not a recommendation to acquire, hold or dispose of any insurance product. Consider the relevant Product Disclosure Statement, policy wording and Target Market Determination, and seek advice from us about your own circumstances, before making a decision. Cover is subject to the terms, conditions, limits and exclusions of the policy issued by the insurer.
