Insurance Broker Sydney

Not strictly — any licensed Australian broker can place cover for you. In practice, though, a lot of the value is in knowing the local detail: what Sydney commercial landlords typically ask for in a lease, how NSW workers compensation and home building cover work, and which insurers are currently writing which risks in the state. We have a team in the CBD and a NSW-based broker who works with Sydney and regional clients every day, so you're getting advice from someone who deals with these situations constantly, not a national call centre.

Yes. Most Sydney commercial leases, especially in the CBD and larger shopping centres, specify a minimum public liability limit, and $10 million to $20 million is common. Councils and head contractors ask for the same thing before you can work on their sites. We'll match the limit to the lease or contract wording, issue a certificate of currency quickly, and check whether the landlord also wants glass, contents or business interruption cover noted. More on public liability insurance.

In NSW, workers compensation for most employers is arranged through icare rather than a private insurer, and it sits separately from your business insurance package. If you employ staff (including some contractors, depending on the arrangement), it's compulsory. We don't place it directly, but we'll point you to the right icare pathway and make sure your liability and business covers line up with it, so there are no gaps between the two.

Usually three things: public liability at the limit your contract requires, contract works insurance if you're responsible for the build itself, and cover for your tools and plant. For residential work over the NSW threshold you'll also need Home Building Compensation Fund cover, which is a separate scheme through icare. We can arrange the first three and talk you through how HBCF fits alongside them.

A few reasons. NSW premiums include an Emergency Services Levy that other states fund differently, so like-for-like cover can cost more here. Beyond that, online quotes are usually for a stripped-back policy: lower limits, flood excluded, tools capped at a small amount. When we quote, we're pricing the cover you actually need, and we'll show you where the difference is so you can decide what to keep.

Both. A large part of what we do in Sydney is property: strata insurance for NSW owners corporations, landlord insurance for investment properties, and home and contents for owner-occupiers. We also have a personal insurance team for life, TPD, trauma and income protection if you want everything reviewed in one go.

You call us, not the insurer. We lodge the claim, deal with the assessor and the insurer's questions, and push it through to settlement. Because we placed the policy, we know what it covers and can argue the point if the insurer's first response isn't right. There's no extra charge for this; it's part of what you get for using a broker.

We're at Suite 26, Mezzanine Level, 388 George Street in the CBD, a short walk from Wynyard and Town Hall stations. You're welcome to come in, but most Sydney and regional NSW clients deal with us by phone, email or video from start to finish, including claims. Whichever suits you.