We're proud to specialise in working with small businesses across the spectrum - from trades to health professionals, professional services and everyone in between. Whether you're just starting out as a Sole Trader, expanding your existing business, or acquiring a new one, we work alongside you to find a customised solution. Our insurance packages are specifically designed to get you back on track when things don't go to plan, giving you the peace of mind to focus on what you do best.
We take a holistic approach to insurance because we understand that no two businesses are alike. To ensure you have a fit-for-purpose policy, we take a deep dive into what you do, how you work, and the specific risks you face - whether they stem from your industry, location, or operation methods. This thorough understanding allows us to source solutions that truly suit your needs and ensure you're correctly insured without gaps in coverage or paying for protection you don't need.
Your insurance premiums are influenced by several key factors. Market conditions play a significant role, as do your insurance history and claims record. The inherent risks of your industry and specific business operations are carefully assessed, along with the potential value should an insurable event occur. We also work with a number of small business organisations to leverage group buying power, potentially offering their members better rates than they might secure on their own.
Your policy will be automatically reviewed every year when it comes up for renewal. However, significant changes in your business should
trigger an immediate review - don't wait for renewal time. If you're changing your business structure, adding new services, modifying
product classifications, or going through an acquisition, it's definitely time to have a chat. These changes can significantly affect your
risk profile and insurance needs.
To understand your business thoroughly and recommend the most appropriate insurance, we need details about your income, operations, and business model. We know it can feel time-consuming to gather all this information, but because we take a holistic approach to assessing your business risks, having complete information means we can streamline the process in the future and find suitable coverage that perfectly matches what you do. This upfront investment of time protects you better in the long run.
Absolutely! We offer a complete end-to-end service because we understand how stressful it can be when something goes wrong. Our team of experts is here for you every step of the way. We'll work with you to gather and curate all the necessary information, then manage the entire claims process on your behalf. You can focus on keeping your business running while we handle the paperwork and negotiations with the insurer.
As an independent insurance broker, we have access to thousands of insurance products from different insurers. We do all the legwork to source options specifically for you that balance comprehensive coverage, competitive cost, and the quality of the insurer. We pay particular attention to each insurer's reputation for claim processing speed and fairness - because the true value of insurance is revealed when you need to make a claim. Our comparisons give you clear choices without the hassle of contacting multiple providers yourself.
We understand that business is dynamic and things change - sometimes unexpectedly. The best approach is to call our office for a chat as soon as you become aware of any significant changes. This allows us to understand the shift in circumstances and find a solution that will continue to keep you properly covered. Making adjustments mid-policy is often straightforward, and it's always better to update your coverage proactively than to discover you're underinsured when making a claim.
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Insurance Cover Services Pty Ltd ABN 46 600 141 473 (CAR No 467164) & Aaron Macdonald (AR No 340392)
Authorised Representative of Community Broker Network Pty Ltd | AFSL 233750 | ACN 096 916 184
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