Insurance that grows with your business.

Insurance policies are written in legal language that even brokers find painful. We translate.

When we present options, we’ll explain what each policy actually covers in terms you’d use with a mate. We’ll also help you prioritise—because overselling you cover you don’t need isn’t how we work.

Example: If you’re a solo consultant working from home with no stock, no equipment, and no employees, we’ll tell you to skip Business Property and Workers Compensation. You need Public Liability and Professional Indemnity. That’s it. Save your money for growth.

We’ll also flag common exclusions and gotchas so there are no surprises at claim time. If something isn’t covered, we’ll tell you upfront—not six months later when you need to claim.

We work with multiple insurers, so we’re not locked into one product. That means we can find cover that fits your actual situation—stage, industry, budget, risk profile.

If your business changes mid-year (you hire, sign a big contract, add a new service), you don’t have to wait until renewal. We adjust your policy as you go. It’s called a mid-term adjustment (MTA), and it takes a few days, not weeks.

This matters because: Most founders set up insurance at launch and don’t touch it for years. Then they discover at claim time that their Day 1 cover doesn’t protect their Year 3 business. We prevent that.

We’ll also bundle policies where it makes sense to save you money, but we won’t force a “business pack” if individual policies are a better fit.

Insurance isn’t set-and-forget. Your business evolves, and your cover should too.

Every year (ideally 30-60 days before renewal), Sam will reach out to review your policy. We’ll check if your limits are still right, if your activities have changed, if you’ve hired or moved premises, and whether your premium is still competitive.

We also reach out mid-year if: You’ve mentioned a major change (hiring, new location, pivot), we’ve seen a claims trend in your industry, or market rates have shifted and we can save you money by switching insurers.

You’re never left wondering if you’re covered. If something changes on your end, you tell us. If something changes on the insurance side, we tell you.

What gets reviewed: Coverage limits, policy scope, employee count, asset values, exclusions, premium competitiveness, and any incidents or near-misses from the past year.

When something goes wrong, you don’t deal with insurers directly—we do.

The moment you notify us of a potential claim, we take over. We’ll walk you through what documentation you need, formally lodge the claim with the insurer, chase responses, negotiate on your behalf, and keep you updated throughout.

Timeline expectations:

• Within 24 hours: We acknowledge your claim and provide initial guidance
• Within 3-5 days: Insurer formally acknowledges and assigns a claims handler
• Assessment begins (loss adjuster, documentation review). Timelines depend on the complexity of the claim and your scenario.
• Settlement timeframe: depends on the complexity of the claim.

If the insurer denies your claim and we think it’s unfair, we’ll dispute it on your behalf. If that fails, we’ll guide you through escalation to AFCA (Australian Financial Complaints Authority), a free independent dispute service.

What this means in practice: You deal with one person from our team (Sam), not three different insurer departments. You get plain-English updates, not policy jargon. And if the insurer is dragging their feet, we chase them—not you.