Insurance Brokers Canberra

No — our offices are in Brisbane, Sydney and Melbourne, and we look after Canberra clients by phone, email and video from start to finish, including claims. In practice that's how most ACT businesses prefer to deal with us anyway: certificates of currency, tender schedules and renewals all move faster over email than across a desk. If you'd rather meet a broker in person, our Sydney team can arrange it.

Yes, and this is where the ACT differs from most of the country. Rather than a government scheme like icare or WorkCover, workers compensation in the ACT is placed with an approved private insurer, which means we can quote it, compare insurers and place it alongside the rest of your program. It's compulsory as soon as you employ someone, and the definition of "worker" can capture some contractors and labour-hire arrangements. If you're not sure whether you're covered as a director or a sole trader, our guide on whether directors are covered under workers compensation is a good starting point.

Almost every tender schedule we see asks for the same core: professional indemnity at a stated limit, public liability (usually $10 million or $20 million), and workers compensation. If you'll be handling departmental data, cyber insurance is increasingly on the list too. Send us the schedule before you respond; we'll tell you what's mandatory, what's negotiable, and issue certificates in the format the department wants so you're not chasing paperwork at the deadline.

It can. Public liability and business insurance follow you across the border without any fuss. Workers compensation doesn't: the ACT and NSW run separate schemes, so where your people are actually employed and working determines which one applies, and some businesses need both. We'll look at how your team is split and set it up so nobody falls between the two systems.

Usually public liability at the limit your head contractor specifies, contract works insurance if you're responsible for the build, and cover for your tools and plant. Because a lot of Canberra construction is government-adjacent, head contractors tend to want the same paperwork the departments do, so it pays to have it ready. For smaller operations a tradies package usually bundles all of this into one policy.

Professional indemnity is the non-negotiable, and clients will usually specify the limit. Beyond that we normally look at public liability for the office and site visits, management liability if there are directors and employees, and cyber cover. Firms working in defence, security or health tend to have extra contractual requirements, which is why we read the contract rather than quoting from a checklist. Our IT insurance page covers the common combinations.

Most Canberra commercial leases specify a minimum public liability limit and often want glass, contents and business interruption noted as well. We build a business insurance package around the lease wording so the landlord's requirements are met on day one, and for hospitality operators we add the covers that matter here — spoilage, a long shutdown, and liquor liability where it applies.

Yes. A lot of our Canberra clients are public servants or contractors who want income protection reviewed alongside what their super fund already provides, and we can quote life, TPD and trauma cover at the same time. On the property side we arrange home and contents, landlord insurance for investment properties, and strata insurance for ACT unit plans.

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.