concrete pumping insurance

Concrete Pumping Insurance Brisbane: Protect Your Business with Morgan Insurance Brokers

Operating a concrete-pumping business is rewarding—yet it also carries unique risks. From heavy machinery failures to on-site liability exposures, a single incident can cost thousands of dollars and damage your reputation. If you’re based in Brisbane and run a concrete pumping operation, you need specialist protection. That’s where Morgan Insurance Brokers can step in.

In this blog we explore what “concrete pumping insurance” really means, why you need it, what it should cover, and how Morgan Insurance Brokers helps you find the right solution.

1. What is Concrete Pumping Insurance?

Concrete pumping insurance is a tailored set of insurance covers designed for businesses that operate concrete pumps whether truck-mounted booms, trailer-mounted pumps or line pumps. Standard business insurance often does not sufficiently cover the unique hazards of concrete pumping such as boom collapse, over-spray damage, or equipment breakdown on site.

Key features include:

  • Public Liability: covering injury or property damage caused by your pump equipment or operations.
  • Plant & Equipment / Machinery Breakdown: covering the cost of repairing or replacing the pump unit, booms, hoses, outriggers.
  • Commercial Vehicle / Truck Insurance: especially if your pump is mounted on a truck and you drive it to sites.
  • Business Interruption / Loss of Hire: your pump downtime can mean lost income or costly substitute hire.

2. Why Concrete Pumping Businesses in Brisbane Should Prioritise Insurance

Here are specific reasons concrete pumping firms must secure robust cover:

  • High-value assets: A concrete pump truck is a major investment. If the boom fails or the truck is damaged, repair/replacement is expensive.
  • On-site risk: Boom arms operate in complex environments, adjacent structures, public access, utilities. Mishaps can lead to third-party property damage or bodily injury.
  • Transit risk: Moving the pump between sites introduces vehicle, traffic and set-up hazards.
  • Downtime costs: If your pump is out of easy, each day can mean lost revenue or costly hire of replacement equipment.
  • Contractual and compliance obligations: Many construction contracts or site operators will insist on insurance and proof of cover before you can work.
  • Industry specificity: Because concrete pumping has specialised risks, general plant or commercial vehicle insurance may leave gaps.

3. What to Look for When Selecting a Policy

When you engage with Morgan Insurance Brokers (or any broker) to secure concrete pumping insurance, you should carefully evaluate the following:

a) Coverage Scope

  • Does the policy include Public Liability insurance (injury/property damage) explicitly for pump operations?
  • Does it cover Equipment/Plant Breakdown, including the boom, outriggers, hoses etc?
  • Are Business Interruption / Loss of Hire covers included or available as an option?
  • Is Vehicle/Truck Insurance integrated or separate?

b) Risk Exclusions & Conditions

  • Are there restrictions on the age or type of boom?
  • Are certain types of jobs or locations excluded (e.g., high-rise pours, remote sites)?
  • Are there sub-limits on certain exposures (e.g., damage to third-party structure, over-spray, pollution)?

c) Policy Value & Premium Impacts

  • How is the sum insured for the boom/truck determined?
  • Does the business size, pump value, boom length, geographical location and claim history affect premium?

d) Broker Support & Claims Handling

At Morgan Insurance Brokers, we understand that time is money, especially when your equipment, like a pump, is out of action. Every hour of downtime can impact your operations and profitability. That’s why our efficient claims handling process is designed to get you back up and running as quickly as possible.

Our team works directly with insurers and repair specialists to streamline communication, minimise delays, and fast-track approvals. With Morgan Insurance Brokers on your side, you won’t be left waiting in the dark, we’ll keep you informed every step of the way and push for the swiftest possible outcome.

Whether it’s machinery breakdown, property damage, or business interruption, Morgan Insurance Brokers ensures your claim is handled with urgency, accuracy, and care, because we know that getting you back to business fast is what really matters.

4. How Morgan Insurance Brokers Helps You Get Insured

Here’s why partnering with Morgan Insurance Brokers can give you an advantage:

  • Industry-tailored expertise: At Morgan Insurance Brokers, we don’t believe in one-size-fits-all coverage. Every industry comes with its own unique set of challenges, exposures, and compliance requirements and we take the time to understand them inside out.

    Because we know your industry, we also know which policies provide real protection and which exclusions could leave you exposed. We carefully analyse policy wording, compare insurer options, and negotiate on your behalf to ensure you get the right level of cover, without paying for what you don’t need.

    With Morgan Insurance Brokers, you gain a partner who speaks your industry’s language, understands your priorities, and works tirelessly to secure the best coverage at the most competitive price. It’s not just insurance, it’s tailored protection built around your business.

  • Access to multiple insurers:  One of the biggest advantages of working with Morgan Insurance Brokers is our access to an extensive panel of trusted insurers, both major national providers and specialised niche underwriters. This broad network gives us the flexibility to compare multiple coverage options, premiums, and policy terms, ensuring that your business receives the most comprehensive protection at the most competitive rate.Rather than being tied to a single insurer, we act as your advocate in the marketplace, sourcing, negotiating, and tailoring policies that truly fit your needs. This means you benefit from our ability to identify the best value without compromising on coverage quality.
  • Local Brisbane presence:

    At Morgan Insurance Brokers, we’re proud to be locally based right in the heart of Brisbane’s CBD, making us easily accessible to businesses across Queensland. Our local presence means we’re not just a voice on the phone, we’re part of your community. We understand the regional challenges, industry trends, and environmental factors that can affect Queensland businesses.

    Being close by also allows us to offer a more personalised and responsive service. Whether you prefer face-to-face consultations, on-site risk assessments, or simply knowing your broker is nearby when you need them, our Brisbane team is here to help.

    With a strong local network and deep understanding of the Queensland business landscape, Morgan Insurance Brokers delivers the perfect balance of local expertise and national insurer access, ensuring you get the right advice, fast support, and coverage tailored to where you do business.

  • Simplified process: At Morgan Insurance Brokers, we believe insurance doesn’t have to be complicated. Our goal is to make the entire process, from obtaining quotes to managing claims, as straightforward and stress-free as possible. We provide tailored guidance every step of the way, helping you understand your options, select the right policy, and avoid the common pitfalls that can lead to costly surprises later on.

    Our streamlined quote process ensures you receive clear, comparable options without unnecessary jargon or delays. Once your cover is in place, our dedicated team continues to support you, whether you need to make policy adjustments or lodge a claim. We’ll handle the paperwork, liaise with insurers, and keep you informed throughout the process, so you can stay focused on running your business.

  • Focus on your business: At Morgan Insurance Brokers, we know that no two businesses operate the same way and neither should their insurance. That’s why we take the time to listen carefully and understand the details of your operation before recommending any cover. Our brokers will assess your setup in depth from the type of pumps you use, how and where they’re operated, the number of sites you manage, and your overall risk profile.

    By gaining a clear picture of how your business runs day-to-day, we can identify the exposures that truly matter and match you with policies that offer meaningful protection, not unnecessary extras. This tailored approach ensures that your insurance supports your operations, rather than standing in the way of them.

    With Morgan Insurance Brokers, you get more than a policy, you get a team that’s genuinely invested in understanding your business, anticipating your risks, and helping you stay focused on what you do best.

5. Steps to Secure Your Concrete Pumping Insurance

Here’s a recommended workflow:

  1. Gather your business information
    • List your equipment: truck-mounted boom length, trailer pumps, hose lengths, fleet size
    • Operation details: residential vs commercial vs infrastructure pours, geographic area (Brisbane/QLD?)
    • Transport/usage details: number of moves per year, major sites, set up/tear down frequency
  2. Contact Morgan Insurance Brokers
    • Explain you’re in the concrete pumping industry and require “Concrete Pumping Insurance / Public Liability & Truck Insurance for Concrete Pumping Business”.
    • Provide your business profile, risks, and ask for tailored quote(s).
  3. Review proposed policy(s)
    • Check cover types, premium, excess, exclusions, policy conditions
    • Ask for business interruption / loss of hire cover options if income depends heavily on the pump.
    • Confirm that transport, on-site use, third-party liability, plant breakdown are covered.
  4. Implement risk mitigation
    • Maintain your equipment and keep documentation.
    • Ensure operator training and safe site practices.
    • Keep a clean claims record, insurance premiums and eligibility depend on this.
  5. Keep policy updated
    • As your fleet grows, boom length changes, you operate in different jurisdictions or take new contract types, inform your broker so your cover remains adequate.
    • Renew annually with review of usage, risks and cover adequacy.

Conclusion

If you operate in the concrete pumping sector in Brisbane, having the right insurance is not a “nice to have” it’s essential. With heavy equipment, public exposure and high value assets, the financial risk of a claim, breakdown or accident is significant.

Morgan Insurance Brokers offers a specialist pathway to obtaining concrete pumping-specific coverage. They understand the trade, know the insurers, and guide you through the process from risk assessment through policy selection and claims support. Reach out to them today to get your business insured and protected.

Ready to protect your concrete pumping business?

Contact Morgan Insurance Brokers today for a tailored quote and expert advice:

📞 Phone: 1300 109 778
📍 Office: Level 38, 71 Eagle Street, Brisbane City QLD 4000


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A Landlord's Guide to Commercial Property Insurance: Beyond the Building

If you’re a landlord with a commercial property, whether it’s a retail shopfront, an office block, or a small industrial shed, insurance probably isn’t something you think about every day. Until something goes wrong, that is. 

Commercial property insurance is the backbone of your investment’s protection. But here’s the thing, most landlords underestimate what it really covers, and more importantly, what it doesn’t. 

Understanding Commercial Property Insurance

At its core, commercial property insurance is designed to appropriately protect your physical assets, your building, fixtures, and fittings, all from damage caused by unexpected events like fires, storms, vandalism, or theft. It acts as a safety net that keeps your investment from turning into a liability overnight. 

But in practice, the policy does more than just replace damaged walls or windows. It keeps your tenants trading safely, your rental income flowing, and your own costs under control while repairs are being made. In other words, it keeps your property viable.

Still, not every policy is made equal. Some landlords take out the bare minimum, only to find out later that the minimum doesn’t stretch as far as they thought.

What Does Standard Commercial Property Insurance Cover?

A basic commercial property insurance policy will usually cover:

  • Building structure, such as the bones of the property, including walls, roofs, floors, and fixed installations like plumbing or air-conditioning systems.
  • Fixtures and fittings, like things permanently attached to the building (think built-in counters, lighting, or kitchen units).
  • Accidental or malicious damage due to fire, storms, or vandalism.
  • Theft or attempted theft, provided there’s evidence of forced entry.

That’s the foundation. However, for most landlords, especially those leasing to multiple tenants or operating high-value spaces, such coverage is no longer sufficient. 

Additional Coverages Landlords Should Consider

This is where some landlords separate themselves from others. Because if you’re only insuring the structure, you’re leaving yourself exposed to a long list of potential losses that standard cover won’t touch. A few key extras to consider include: 

  • Rent default insurance protects landlords if a tenant fails to pay rent, helping to cover lost rental income and associated legal costs to recover rent or evict tenants. 
  • Public liability insurance, which covers legal costs and compensation if someone is injured on the property due to maintenance issues of negligence. This protects you from costly lawsuits down the road. 
  • Machinery and equipment breakdown insurance; if you own or supply plant, lifts, or HVAC systems, a breakdown can halt operations. This type of cover helps get things promptly repaired. 
  • Theft and burglary insurance, which covers losses due to theft or burglary of fixtures, fittings, and landlord-owned contents of the premises. 
  • Other optional coverages include cover for weather-related damage, vandalism, accidental damage to the building, employee dishonesty, and more. 

Essentially, “beyond the building” cover is about protecting the income stream tied to your property, not just the physical structure. 

Common Mistakes Landlords Make

Even experienced landlords slip up when it comes to insurance. Here are a few traps to avoid:

  1. Underinsuring the property. Many owners underestimate rebuild costs. Between labour shortages and material inflation, today’s construction costs can easily outstrip older valuations.
  2. Forgetting loss of rent cover. If your tenant can’t trade, they can’t pay rent. Too many landlords skip this, assuming their property will bounce back quickly.
  3. Assuming the tenant’s insurance covers everything. Tenants usually cover their own fit-out and liability, not your structure or your rental income.
  4. Not updating policies after renovations or tenant changes. If you’ve improved the building or changed the tenancy layout, your policy needs to reflect that.
  5. Choosing price over quality. The cheapest premium often means the thinnest coverage. Saving a few hundred dollars now can cost you thousands later.

Partner with Morgan Insurance Brokers Today

At Morgan Insurance Brokers, we partner with landlords across Australia, from small retail property owners to large commercial investors, to design insurance solutions that accurately reflect their unique risks.

Before the next storm hits or a tenant vacates, take the time to ensure your policy provides the protection it should. When unforeseen events occur, that’s not the moment to discover your cover is incomplete.

Start with us today.


Declined insurance renewal

How Morgan Insurance Brokers Helped a Client Get Cover After Their Renewal Was Declined

When Renewal Becomes a Challenge

For many Australians, insurance is something you only think about when you need it most. But what happens when your insurer declines to renew your policy especially while you still have an open personal injury or liability claim?
That’s exactly what happened to one of our new clients at Morgan Insurance Brokers.
After suffering a personal injury incident that resulted in an open claim, their existing insurer decided not to offer renewal when the policy period ended. The previous broker was unable to source an alternative policy for them either.
This left the client in a difficult position: trying to find insurance while a liability claim was still active. For most people, that’s one of the hardest times to get coverage, but that’s where Morgan Insurance Brokers stepped in.

The Challenge: Finding Cover with an Open Claim

When an insurer declines to renew your policy, it’s often because they view you as a higher risk. Add an open personal injury claim to that, and suddenly, most mainstream insurers will refuse to offer new coverage altogether.
This means:
  • You can’t simply “switch insurers” at renewal.
  • You may be left uninsured for an extended period.
  • Your business or personal assets could be at serious risk.
But our team at Morgan Insurance Brokers understands that everyone deserves fair access to protection even when circumstances are complex.

The Solution

Persistence, Expertise, and the Right Connections.
We took the time to understand the client’s situation in full detail,  including the nature of their open claim, their risk profile, and their insurance history.
Then, leveraging our strong relationships with specialist underwriters and non-standard markets, we were able to negotiate a new policy that offered the protection they needed — despite the open claim and prior decline.
This required:
  • Transparent communication with potential insurers
  • Presenting supporting information to demonstrate good risk management
  • Customising coverage terms to satisfy both parties
Thanks to this approach, our client was able to continue their cover seamlessly.

Why It Matters

Being declined by an insurer can feel devastating, but it doesn’t have to be the end of the road. Whether your policy was declined due to:
  • An open personal injury claim
  • A poor claims history
  • Lapsed cover
  • Or simply being placed in a higher risk category
Morgan Insurance Brokers can help.
We specialise in assisting clients who have been declined insurance, non-renewed, or who are struggling to find cover due to open claims or complex circumstances.

Need Help After a Declined Insurance Renewal?

If you’ve received a decline letter or your insurer has refused renewal, don’t panic and don’t go uninsured.
Reach out to Morgan Insurance Brokers today.
We’ll review your situation, explore specialist markets, and help you find the cover you deserve.
Contact us today to get back on track with the right insurance solution.

EPS Insurance

EPS Construction in Australian Homes: The Smart Choice That Challenges Insurers

What Is EPS Construction?

Expanded Polystyrene (EPS) construction — often used in insulated panels for walls and roofs — is gaining popularity in Australia for its energy efficiency, cost-effectiveness, and ease of installation. EPS homes can achieve superior insulation performance compared to traditional brick or timber builds, leading to lower energy bills, faster construction times, and improved sustainability.

Why EPS Is a Great Building Choice

EPS panels are lightweight yet strong, and their high thermal performance helps homeowners maintain comfortable indoor temperatures year-round. Builders appreciate the speed and precision EPS offers, while homeowners enjoy the reduced heating and cooling costs. Additionally, EPS can contribute to lower environmental impact thanks to its recyclability and reduced material waste.

In short, EPS offers:

  • Excellent thermal efficiency
  • Lightweight yet durable structure
  • Fast, cost-effective builds
  • Sustainable and recyclable materials

Why EPS Homes Can Be Hard to Insure

Despite its benefits, EPS construction can raise red flags with many Australian insurers. This is primarily due to:

  • Fire Risk: EPS is combustible, and while most systems use fire-retardant panels, insurers may still classify them as high-risk.
  • Water Damage Concerns: Poor installation or maintenance can lead to moisture ingress, which compromises structural integrity.
  • Limited Data: Many insurers still view EPS homes as “non-standard,” with fewer long-term data sets compared to brick or concrete construction.

As a result, some mainstream insurers decline cover altogether or charge higher premiums for EPS-built properties — leaving homeowners frustrated.

How Morgan Insurance Brokers Finds Solutions

At Morgan Insurance Brokers, we understand that EPS homes shouldn’t be penalized simply because they use modern materials. Our brokers specialize in finding tailored insurance solutions through a wide network of underwriters who recognize the benefits of alternative construction methods.

We work with you to:

  • Assess your EPS home’s specifications
  • Connect with insurers experienced in EPS risk management
  • Secure competitive coverage options that protect your investment

Our goal is to make sure you’re fully covered — without paying unnecessary premiums.

Our Other Home Insurance Services

Beyond EPS construction coverage, Morgan Insurance Brokers offers a range of comprehensive home insurance services, including:

  • Standard home and contents insurance
  • Landlord and investment property insurance
  • Strata and townhouse insurance
  • High-value home and prestige property insurance
  • Flood, storm, and fire risk coverage solutions

Whether you’ve built with EPS or traditional materials, we’re here to protect your home and peace of mind.

Ready to protect your EPS home?
Contact Morgan Insurance Brokers today to discuss the right cover for your property.


Why Buying Insurance Through Your Bank Could Cost You — And Why Using a Broker Like Morgan Insurance Brokers Makes More Sense

Why Buying Insurance Through Your Bank Could Cost You — And Why Using a Broker Like Morgan Insurance Brokers Makes More Sense

In today’s fast-moving financial world, it might seem convenient and even smart to purchase your insurance policy directly through your bank. After all, you already have an account there, you trust them, and it feels like “one stop shopping.” But there are good reasons why buying insurance through your bank may not be your best choice and why going through an independent insurance broker such as Morgan Insurance Brokers in Brisbane offers smarter outcomes for your business or personal cover.

What happens when you buy insurance through your bank

Your bank will often offer insurance products bundled or cross-sold to you. They’ve got your account, your trust, maybe even your mortgage or other services. On the surface it makes sense. But consider:
  • The bank is likely promoting its own affiliated insurance product (or insurer) rather than objectively shopping the market.
  • The salesperson at the bank may be incentivised to sell that product, rather than to find the best product for you.
  • Your needs may be complex, changing, or specific — but the product is standardised.
  • You may be missing out on specialist cover, competitive pricing, or exclusions you don’t realise.

Limited market‐choice

In essence, buying through a bank often means you’re going with one insurer’s offering (or a small panel) that the bank has tied-up. You lose the advantage of:
  • Comparing multiple insurers with different policy terms, pricing and excess levels
  • Tailoring the cover to your exact risk profile (especially for business)
  • Having access to higher-end or specialist insurers if your risk is unusual

Less value in advice and ongoing support

When you deal with your bank:
  • The staff may not be specialised in insurance; they may be salespeople rather than insurance risk advisers.
  • If you have a claim, there’s less chance of proactive support, advocacy or broker-level assistance.
  • If your situation changes (you grow your business, or your asset/risk base shifts), the product may not adapt, and you may need to renegotiate yourself.

Cost isn’t everything, but you might pay more

It’s tempting to think “if the bank sells it it must be cheap.” But consider:
  • One size fits all products may include cover you don’t need (which you pay for) or exclude things you do need.
  • The bank may not negotiate the best premiums across the market because they’re locked into one insurer relationship.

Why using an insurance broker makes sense

Brokers act for you, not the insurer or bank
You get independent advice tailored to your situation.
  • The broker has no incentive (in theory) to push one insurer’s product over another just because of internal deals.
In short: If you buy via your bank, you’re choosing convenience, but perhaps at a cost of expertise, flexibility and tailored service. With Morgan Insurance Brokers you get a partner in risk rather than a product.

What to Look for in a Good Insurance Broker (and Why Morgan Delivers)

When selecting a broker, you should check:
  • Do they understand your industry / business risk?
  • Do they have access to multiple insurers (lots of choice)?
  • Do they review annually and keep your cover up to date?
  • Do they provide claims support (not just “we sell the policy”)?
  • Are they independent and acting in your interest rather than locked to one insurer?
  • Do they have good reputation, transparency of cost / fees?
Morgan Insurance Brokers check those boxes: they specialise in business insurance, have a claim-service approach, provide annual review, and emphasise client relationship and tailored cover.

Final Thoughts

Buying your insurance via your bank might feel safe, convenient and familiar — but it may not give you the best value or the best protection. The risk of being underserviced, paying too much or having a poor fit is real.
When you engage a broker such as Morgan Insurance Brokers, you’re choosing expertisechoiceservice and adaptability. You get someone on your side, acting for you, not just pushing a standard product.
If you run a business in Brisbane (or have changing risk, assets or liability exposures), don’t settle for “bank insurance”. Talk to Morgan Insurance Brokers today: get an insurance partner, not just another policy.

best insurance broker brisbane

Morgan Insurance Brokers: The Best Insurance Broker Brisbane Has to Offer

Your Trusted Insurance Partner in Brisbane

When it comes to safeguarding your future, finding the best insurance broker Brisbane residents can rely on is more than just about price, it’s about trust, expertise, and personal attention.
That’s exactly what Morgan Insurance Brokers delivers.
As a leading insurance broker in Brisbane, Morgan Insurance Brokers has earned a reputation for excellence by providing transparent, client-first advice and comprehensive insurance solutions tailored to individuals and businesses across Queensland.
Whether you’re protecting your home, business, or livelihood, their experienced brokers are dedicated to finding the right cover at the right cost.

Why Morgan Insurance Brokers Are Brisbane’s Top Choice

Choosing an insurance broker is an important decision, you’re not just buying a policy; you’re investing in protection and peace of mind.
Here’s why Morgan Insurance Brokers stands out as the best insurance broker Brisbane can offer:

1. Independent, Unbiased Advice

Unlike direct insurers, Morgan Insurance Brokers works for you, not the insurance companies. This independence ensures clients always receive honest advice and access to a wide network of trusted insurers.

2. Local Expertise That Matters

Based in Brisbane, their brokers understand the unique challenges Queenslanders face, from extreme weather events to shifting business regulations. Their local knowledge means your insurance is always up to date and relevant.

3. Tailored Coverage for Every Need

Every client is different. Whether you run a growing business, own multiple properties, or simply want personal insurance coverage, Morgan Insurance Brokers crafts a policy that fits your life perfectly.

4. Personalised, Ongoing Service

They don’t just sell policies and disappear, their brokers provide continuous support, policy reviews, and claims assistance to make sure you’re always protected.

Comprehensive Range of Insurance Services

Morgan Insurance Brokers provides an extensive selection of insurance products designed to meet a wide range of needs.
Here’s what they specialise in:

Business Insurance

Protect your assets, staff, and reputation with custom business insurance packages.
Their expertise covers:
  • Public Liability Insurance
  • Professional Indemnity
  • Business Interruption Insurance
  • Property & Equipment Cover
  • Commercial Vehicle and Fleet Insurance
From small start-ups to large corporations, they offer tailored solutions that scale with your business.

Personal Insurance

Life is unpredictable, protect your family and your future.
Morgan Insurance Brokers offers:
  • Home & Contents Insurance
  • Motor Vehicle Insurance
  • Travel Insurance
  • Life and Income Protection
Each policy is reviewed to ensure it matches your budget and risk profile.

Specialty Insurance

For niche industries and high-risk sectors, they also provide specialised coverage such as:
  • Construction & Trades Insurance
  • Hospitality & Retail Insurance
  • Cyber Risk & Data Protection Policies
  • Marine & Transport Insurance
No matter the complexity, they have the experience and connections to secure the best coverage possible.

The Morgan Difference: What Makes Them the Best Insurance Broker in Brisbane

Morgan Insurance Brokers isn’t just another insurance brokerage, they’re a partner in your financial security.
Their clients consistently highlight:

Responsive communication

Quick answers when you need them most

Transparent pricing

No hidden fees or confusing terms

Friendly, experienced brokers

With decades of combined expertise

Proactive support

Regular policy reviews to ensure ongoing suitability. This dedication to service and trust has cemented Morgan’s reputation as the go-to insurance broker Brisbane professionals recommend.
Serving Brisbane and Beyond
Although proudly based in Brisbane, Morgan Insurance Brokers services clients across Queensland and Australia. Whether you’re in the CBD, the Gold Coast, or regional areas, their brokers can assist via phone, video, or in-person consultations.
Their strong community presence and long-term relationships with clients have helped them become synonymous with reliability and results.
Customer Testimonials
“Morgan Insurance Brokers went above and beyond to find the perfect business insurance package for us. Their knowledge and service are unmatched!”
— David P., Brisbane Business Owner
“They explained everything in plain language and saved me hundreds on my home insurance. I wouldn’t go anywhere else.”
— Samantha L., New Farm Resident
These testimonials highlight why Morgan Insurance Brokers is considered the best insurance broker Brisbane has to offer.

How to Get Started with Morgan Insurance Brokers

Securing the right insurance shouldn’t be stressful. With Morgan Insurance Brokers, the process is simple:
  1. Request a Consultation – Discuss your needs with a qualified broker.
  2. Receive Tailored Recommendations – Explore options across multiple insurers.
  3. Get Covered – Enjoy peace of mind knowing you’re properly protected.
  4. Ongoing Support – They’ll continue to monitor and review your policy over time.
Ready to take control of your insurance?
Contact Morgan Insurance Brokers today for a free, no-obligation quote and discover why they’re regarded as the best insurance broker Brisbane trusts.
Conclusion: Brisbane’s Most Trusted Insurance Experts
When you choose Morgan Insurance Brokers, you’re not just choosing an insurance provider, you’re choosing a dedicated team that puts your needs first.
Their combination of local knowledge, industry experience, and client-first approach makes them a standout among competitors. Whether for your business, home, or personal protection, Morgan Insurance Brokers is the smart choice for anyone searching for the best insurance broker in Brisbane.

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Product Liability vs. Public Liability: An Essential Guide for Australian Businesses

Regardless of the industry you operate in, as an Australian business owner, you must effectively navigate operational and legal risks daily. From workplace incidents to defective products, no company is immune.

Both public and product liability insurance cover claims made by third parties; that means customers, suppliers, or even someone just walking past your site. But they cover different types of risks. Therefore, understanding those differences could be the thing that saves your business from serious financial strain.

Navigating Business Risks in Australia

Australia’s business environment is full of opportunity, but it’s also full of regulations and compliance requirements. A single accident, a customer tripping over a loose cord in your store, a faulty component in a machine you’ve sold, or a contractor being injured on-site, can quickly lead to expensive claims. 

A couple of key stats that highlight the influence of liability insurance for Australian businesses include:

  • Australia has around 86 million general insurance policies in force, underscoring just how common and essential insurance is for managing business risks. 
  • The general liability insurance market is growing, with gross written premiums expected to reach US$7.05 billion by the end of 2025. This is largely due to businesses becoming more aware of liability risks. 
  • Liability insurance premiums are becoming more competitive, with many policies experiencing flat or reduced renewal costs. However, businesses with a history of adverse claims may still face higher premiums.

Hence, liability insurance isn’t a luxury. It’s part of the foundation that keeps your operation secure when the unexpected happens. The trick is knowing what kind of protection you actually need.

What Is Public Liability Insurance?

Public liability insurance covers your business when someone else suffers injury or property damage because of your work. It’s there to handle the legal and compensation costs if, say, a customer slips on a wet floor, or a contractor gets hurt because of your equipment.

It applies to incidents that happen in public areas, from your worksite, your office, a client’s premises, or anywhere you’re operating. Most public liability policies in Australia cover:

  • Injury to a third party caused by your business activities.
  • Damage to someone else’s property due to your operations.
  • Legal costs if someone decides to sue.

It doesn’t matter whether the incident is your fault or not; what matters is that it happened in connection with your business. If you run a restaurant, it’s the customer who burns themselves on spilled coffee. If you’re a tradie, it’s a neighbour’s fence that gets damaged when the skip bin’s delivered. Without public liability cover, even a minor claim can rack up thousands in legal and repair costs.

What Is Product Liability Insurance?

On the other hand, product liability insurance is all about protecting your business from claims related to the products you make, sell, or supply.

If a product you’ve provided causes injury, illness, or property damage, you can be held responsible, even if you didn’t manufacture it yourself. In Australia, the law says that anyone in the supply chain can be liable. That means wholesalers, importers, retailers, and distributors all share some of the risk. Some examples include:

  • A power tool you’ve sold malfunctions and injures a customer.
  • A batch of food products you’ve distributed causes food poisoning.
  • A children’s toy breaks apart, creating a choking hazard.

The point is, once your product leaves your hands, you can’t control what happens to it, but you can control how well you’re protected.

Key Differences Between Public and Product Liability Insurance

At a glance, both policies deal with claims made by others against your business. However, think of them like this: public liability covers incidents that happen around your business, and product liability covers incidents that occur after your products leave your hands.

  • Public liability applies when something goes wrong during the course of your work, for example, a client slips on-site or you accidentally damage a wall during a fit-out.
  • Product liability applies when a product you’ve made or supplied causes harm or damage at a later stage.

In many industries, especially construction, manufacturing, or retail, both policies overlap. You might not even notice where one stops and the other starts, and that’s exactly why most insurers bundle them together.

Do You Need Both? Assessing Your Business Needs

Most of the time, yes. Most Australian businesses should have both. 

If you deal directly with the public, customers walking through your doors, tradies visiting job sites, delivery drivers dropping off stock, public liability is a must. If you sell, manufacture, or distribute any kind of product, even if it’s a small part or accessory, you’ll need product liability too.

Here’s the thing: liability claims don’t just target big corporations. They hit small businesses the hardest. Hence, the cost of these policies is minimal compared to what you stand to lose if something goes wrong.

How Morgan Insurance Brokers Can Help 

At Morgan Insurance Brokers, we work with businesses across Australia to identify the exact risks they face, whether that’s heavy machinery on-site, product distribution, or client interactions, and tailor coverage that fits their needs. 

Our team takes the time to gain a thorough understanding of your daily operations, the services you provide, and the products you handle. If you are uncertain whether your current insurance offers comprehensive coverage, or if you are beginning to evaluate your options, we encourage you to contact us today. 

Because in business, smart coverage today keeps you running tomorrow.


Finance Broker

Is Income Protection Insurance Tax Deductible in Australia?

Most of us don’t think too much about what happens if you’re suddenly unable to work. But if you rely on your income to pay rent, keep food on the table, and look after your family, it’s something worth considering before it’s too late. That’s where income protection insurance plays a pivotal role. And yes, in many cases, you can claim it as a tax deduction in Australia. 

What is Income Protection Insurance? 

In essence, income protection insurance is a type of policy that, in the event you’re unable to work due to injury or prolonged illness, will help cover core living expenses such as rent, mortgage, bills, groceries, and education fees during the period in which your earnings are interrupted by health issues.

The policy typically works by paying out a monthly benefit of up to 70%–90% of your pre-tax income (subject to limits), starting after a waiting period (typically 14 to 90 days) and continuing for a set benefit period, such as two years, five years, or up to the age of 65.

Generally, income protection insurance is important for those who rely on their work to pay for living expenses, i.e., sole earners, self-employed individuals, small business owners, or those with debts and dependents.

For more information on income protection insurance, check our other blogs.

Is Income Protection Insurance Tax Deductible in Australia?

Generally, yes, but a few exclusions apply. If the policy is taken out personally to protect your salary or wage income, and you pay the premiums yourself (not via your superannuation), you can claim the cost of the premiums as a work-related expense on your tax return. However, it’s only for the portion that covers income protection (not for any bundled life or trauma insurance).  

For example, say your total premium is $180 per month, and of that, $60 relates to income protection cover. In this case, you would only be able to claim a deduction for the $60 portion, not the full $180. 

As a general rule of thumb, it’s important to compare different income protection policies to make sure your pre-tax income sufficiently covers you if you’re hit with an unexpected injury or illness. 

How Tax Deductions Work for Income Protection Insurance

When you claim the premiums as a deduction, it reduces your taxable income, meaning you might pay less tax overall. But here’s what’s important to know:

  • Payments you receive from the policy (the monthly benefit) are considered taxable income. So, while the premiums are deductible, the payouts themselves aren’t tax-free.
  • If your policy is through your super fund, it’s a bit different. You can’t personally claim those premiums as a tax deduction. The super fund does it on your behalf. But that means you also won’t be able to claim them again on your personal tax return.

As always, please consult with an insurance broker or the ATO to validate your eligibility and accurately calculate your claim. 

Common Misconceptions

A few myths tend to float around about income protection and tax deductions. Let’s clear up a few of the big ones:

  • Myth: You can claim any insurance policy that protects your income. 

Fact: Not true. Only income protection premiums are deductible, not policies like trauma, life, or TPD (total and permanent disability) insurance.

  • Myth: If it's in your super, you can claim it personally. 

Fact: Nope. Super funds may claim it internally, but you can’t list it on your own return.

  • Myth: It’s not worth it if you’ve got savings. 

Fact: Maybe, maybe not. Think about how long those savings would last if you had no income for six months or more. Most people find that income protection buys them peace of mind.

Why Getting Professional Advice Matters

Income protection insurance might not always be front of your mind when considering insurance policies to invest in, but it’s one of those things that can make a world of difference when life blindsides you. 

And if you can also claim a tax deduction on top of that? Even better. Just remember:

  • If you personally pay for the policy to protect your income, it’s likely tax-deductible.
  • If it’s through your super, it’s not.
  • And if it’s bundled with other cover, only the income protection portion counts.

Before tax time rolls around, make sure you’ve got the numbers right, and don’t hesitate to get advice from a professional. Because at the end of the day, the goal’s simple: to keep money coming in when you can’t work. 

If you need assistance in finding the right coverage for your needs, do not hesitate to reach out to our team of insurance brokers at Morgan Insurance Brokers. We’re dedicated to ensuring your financial safety and stability. Contact us today.


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The Importance of Income Protection Insurance for Business Owners and Entrepreneurs

Running a business is hard enough when you’re fit and healthy, let alone when life happens and you’re left battling a serious injury or illness. At Morgan Insurance Brokers, we understand how important and complex your investments are. For business owners and entrepreneurs, personal and business finances are blurred into one. That is why protecting your finances is more important than ever. Suddenly, you’re not just facing personal financial regression, but you’re putting your business at risk, too. 

Income Protection Insurance is your backup plan, so you can protect your business, even whilst you’re in recovery. Anyone who runs a business rarely has time to stop. But when there’s no choice, you need to be sure that your business can float without you. Morgan Insurance Brokers can help you get started. Reach out to our team of professionals today for expert advice. 

Why do I need Income Protection Insurance as a Business Owner or Entrepreneur?

Income protection insurance is particularly vital for business owners and entrepreneurs because of the complexities involved in running a business. There are multiple aspects to consider, like business expenses, personal finances and tax responsibilities. You don’t want your business to be impacted by your circumstances, so how do you protect your assets with income protection insurance? 

  • Business Expenses: Some income protection policies offer additional support for business owners, which is known as Business Expenses Insurance. This allows your coverage to cover your business’s costs whilst you’re unable to work. This can include your business’s rent/mortgage, leasing costs for equipment and employee salaries. Don’t let your business suffer.
  • Personal Support: As income protection insurance typically covers 70-90% of your standard income, you can keep up with your essential costs (i.e rent, bills, groceries) without having to blur the lines between your business’s finances. We know just how combined personal and business finances can become, but when you’re at your lowest, you need the reliability and clarity that your insurance can give you. 
  • Tax: Opting for Income Protection Insurance is tax-deductible for business owners, as it is considered a cost related to earning your income. So, protecting your livelihood can be beneficial at the end of the financial year when you’re considering your business costs. 
  • Priceless Peace of Mind: To ensure a speedy recovery that allows you to get back on your feet in no time, income protection insurance gives you the peace of mind that you need. In the long term, if you’re able to completely relax with the comfort that your business’s needs are taken care of, you can focus on recovery and treatment.

Getting Started: Income Protection Insurance Breakdown

Finding the right income protection insurance policy for you starts by considering your circumstances (age, health and wealth) to determine how much you’ll realistically need your policy to cover. For instance, if you have a mortgage, car payments and regular bills to consider, you’ll want to factor this into your policy. With factors such as benefit periods, it’s important to consider the likelihood of you falling injured or ill, so you can estimate how long it will take you to get back on your feet and, therefore, require payments to be made over a longer period. Typical cover can range from two years, five years or up to the age of 65. For waiting periods, which can vary from 30,60 or 90 days, you should understand how long you’ll be able to support yourself when your income stops, before your payments kick in.

Income protection insurance is generally more expensive for individuals at a higher risk of needing to claim. For example, older individuals or those in high-risk occupations (construction). So, don’t wait too long to explore your options, as it may make all the difference when you’re looking at the cost of protecting your future.

To protect your business’s continuity, you can make calculated decisions regarding your policy that ensure everything runs smoothly while you recover. There’s a lot to factor in. If you’re not sure where to start, contact our team at Morgan Insurance Brokers today for more tailored advice on your circumstances. 

Business as Usual with Morgan Insurance Brokers

Start today, for tomorrow. At Morgan Insurance Brokers, we’re dedicated to providing you with expert advice so you can secure the best policy for you and your business. As a highly reputable brokerage, you can trust us to point you in the right direction. 

Contact us today to find out more. 


block of units insurance

Insuring a Block of Units in Australia: What You Need to Know

Owning a block of units (especially a non-strata block, where all units are on one title) brings unique challenges, not least when it comes to insurance. Traditional insurance might not adequately cover the risks involved in multiple dwellings under one roof, and increasingly, many of the “big names” in Australian insurance are pulling back from offering coverage in this niche.

In this blog, we’ll explore:

  • Why block-of-units insurance is harder to secure today

  • The risks of inadequate coverage

  • How Morgan Insurance Brokers approach can provide a better solution

  • Practical advice for landlords, especially self-managed ones

Why Major Insurers Are Withdrawing or Restricting Coverage

Rising risk, increasing losses, and underwriting pressure

Australia has seen a rise in extreme weather events, inflation in rebuilding costs, supply chain pressures and growing claims severity. The insurance industry has responded by tightening underwriting and reassessing which property risks are sustainable to insure.

Because blockof units represent aggregated risk (a single event such as a fire, storm, water damage etc, can affect multiple tenancies at once), insurers are more cautious. In some cases, insurers may decline to quote new policies or withdraw from offering cover altogether.

Anecdotal reports of insurers opting out of block insurance

In property forums and discussions, some landlords have reported that insurers like NRMA and RACQ have ceased insuring blockof units owned by single owners (i.e. non-strata blocks). For example:

“We’ve just found out that NRMA will no longer insure blockof units that are owned by a single owner and that aren’t strata-ed. … It looks like slim pickings for insurers who insure this type of property.” (PropertyChat)

While such reports are not always publicly confirmed by the insurer, they reflect a reality: for certain high-risk or complicated multi-unit configurations, insureds are seeing fewer options.

Insurers dropping some product lines

In broader insurance markets, some insurers have publicly announced that they will no longer offer certain personal lines (e.g. home, landlord) for new business.

So, for many owners of blockof units, especially non-strata blocks, finding an insurer willing to quote can be challenging. That’s where a broker with access to specialist markets becomes crucial.


The Risks of Being Underinsured or Uninsured

If your block of units is not properly insured, you could face:

  • Rebuilding or repair costs after fire, storm, water damage, etc., which can run into the hundreds of thousands (or more)

  • Loss of rental income if the property becomes uninhabitable during repair

  • Liability claims (slip/trip, injury on premises)

  • Tenant damage or malicious damage (if tenants or their visitors damage common walls, structures, or interiors)

  • Rent default or non-payment risks if tenants stop paying during repair works or due to insurance issues

Given that insurers are less eager to cover multi-unit risks, going without appropriate coverage—or settling for narrow or inadequate cover—can leave you severely exposed.

Morgan Insurance’s Solution: One Policy, Flexible Options

Morgan Insurance Brokers offers a model tailored to block-of-units owners that addresses many of the pitfalls in today’s market.

1. One comprehensive policy covering multiple risks

Instead of patching together separate policies (building, landlord, public liability etc.), Morgan Insurance Brokers can source a single policy that can incorporate:

  • Building / structural cover

  • Landlord cover (for tenant-related risks)

  • Public liability

  • Optional covers (loss of rent, tenant damage, rent default, etc.)

2. Competitive pricing via broad panel access

Because Morgan can access a panel of insurers, it can shop the risk across multiple underwriters, negotiate terms, and offer clients competitive pricing even in a tough underwriting environment.

3. Optional landlord covers

One valuable feature is that optional landlord covers are not mandatory. The policy can be tailored to remove some landlord related extras if you prefer (to reduce premium.

For example, you might choose not to include rent default or theft-by-tenant coverage if you believe your tenants are low risk, or wish to reserve that cover for only certain units, but you retain the flexibility to include them if needed.

4. Claims handling by Morgan Insurance Brokers

Having a broker manage claims can make a big difference during a stressful event. Morgan offers to take on claims handling responsibilities,  helping with documentation, liaising with insurers, and advocating for a fair outcome.

5. Emphasis on solid supporting documentation

Morgan underscores the importance of:

  • Having formal rental/tenancy agreements in place (so tenant-based claims like rent default or damage are valid)

  • Inspection reports (especially for self-managed blocks) to document condition, pre-existing damage, maintenance issues, etc.

These pieces of documentation strengthen any claim and reduce insurer pushback.


Tips for Landlords (Especially Self-Managed Blocks)

Here are some practical tips to protect yourself and your investment:

  1. Use legally sound tenancy agreements
    Ensure they clearly set out tenant obligations, damage responsibilities, and allow for entry/inspection rights. This is especially critical if you rely on rent default, tenant damage or malicious damage covers.

  2. Perform regular inspections and document them
    Carry out periodic inspections (with photos, condition reports) so you have an evidentiary trail of property condition. This helps in claims disputes, or where damage is alleged.

  3. Engage professionals for valuation and rebuilding cost estimation
    Rebuilding a block of units is a complex exercise; use qualified valuers, architects or quantity surveyors to estimate appropriate sums insured.

  4. Be selective with optional covers
    Do you need rent default, theft by tenant, loss of rent, or accidental damage by tenant? Weigh the incremental premium cost vs risk. If your tenants are stable and you have strong screening, you might choose to forgo some optional covers — but only if you're willing to assume that risk.

  5. Maintain good maintenance & risk mitigation practices
    Keep gutters cleaned, check plumbing, mitigate water ingress, maintain fire systems and safe access. Insurers often scrutinise upkeep in claims.

  6. Review your policy annually
    As repair costs, materials or risks shift, make sure your sums insured and covers remain adequate.

Why Our Approach Stands Out

  • Access to multiple insurers means you aren’t dependent on a single underwriter who may opt out of block-of-units risks

  • Package structure avoids coverage gaps or overlaps

  • Flexibility in optional landlord covers helps manage cost vs risk

  • Broker-managed claims provides support and advocacy when you need it most

  • Emphasis on documentation (agreements, inspections) increases claim defensibility

In a market where some major insurers are retreating from landlord or home lines (or excluding certain risks), having a broker partner with a wide panel and specialist block-of-units capability is a strong advantage.

Conclusion

If you own or manage a block of units in Australia, particularly a non-strata block, you’re operating in a more constrained insurance environment today. Many general insurers are reevaluating their exposure to multi-unit risks, making coverage harder and more expensive to obtain.

That’s why a broker model like Morgan Insurance Brokers, which consolidates multiple covers into one policy and leverages multiple insurer relationships, can make a real difference. You gain competitive pricing, flexibility to tailor landlord options, and claims support, without needing to juggle separate building and landlord policies yourself.