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Premium Funding

Osman arranges premium funding solutions that enable businesses to spread their insurance costs over manageable monthly instalments rather than paying annual premiums upfront. We facilitate access to competitive funding arrangements that preserve working capital and align insurance expenses with cash flow cycles.

We provide premium funding arrangements for businesses of all sizes, from small enterprises to large commercial organisations with substantial insurance portfolios. Our team works with leading Australian premium funding providers to secure competitive interest rates and flexible repayment terms suited to your financial circumstances. We handle the application process, documentation, and approval coordination, ensuring funding is in place before policy inception so your coverage is never delayed by cash flow considerations.

As an independent broker, we compare funding options across multiple providers to identify the most cost-effective solution for your specific situation. This includes evaluating interest rates, deposit requirements, and the impact of early settlement or mid-term adjustments on funding costs. We explain the mechanics of premium funding clearly, including the statutory cancellation provisions that apply if repayments fall into arrears, ensuring you understand your obligations and can budget accordingly.

Our services include coordinating mid-term funding adjustments when policies are endorsed or when additional coverage is required during the policy period. We arrange supplementary funding for premium increases resulting from business acquisitions, declaration adjustments, or the addition of new insured entities. This flexibility ensures your insurance programme can adapt to business changes without requiring large, unbudgeted cash outlays that could strain working capital.

From simple single-policy funding arrangements to complex multi-policy portfolios with varying renewal dates, we streamline the premium funding process to minimise administrative burden. Our focus is on providing transparent, professional funding coordination that makes quality insurance protection accessible and affordable, allowing you to maintain comprehensive coverage whilst preserving capital for core business operations and growth initiatives.

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Luke Sussman

Senior Account Broker - Dip. A.F.S

Relevant Experience

  • Risk Assessment
  • Mobile Assets
  • Contract Risk
  • Liability Cover
  • Revenue Protection
  • Project Insurance
  • Claims Advocacy
  • Remote Operations
  • Statutory Compliance
  • Global Markets

Insurance Options

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