We provide detailed protection assessments for businesses seeking objective evaluation of their current insurance programme, whether placed through another broker or directly with insurers. Our team reviews policy wordings, schedules, and endorsements to identify coverage limitations, restrictive clauses, and areas where sub-standard terms may leave you vulnerable. We benchmark your programme against market standards for your industry, highlighting where superior coverage options exist or where you may be paying for unnecessary or duplicated protection.

As an independent broker, we assess the financial strength and claims-paying reputation of your current insurers, evaluating whether your risk transfer partners have the capacity and track record to honour their obligations when claims arise. This includes reviewing insurer security ratings, reinsurance arrangements, and their presence in the Australian market. We identify concentration risks where multiple policies are held with a single insurer group, creating potential issues if that insurer withdraws from your sector or experiences financial difficulty.

Our services include analysis of policy excesses, sub-limits, and aggregate structures to ensure these align with your risk tolerance and financial capacity to absorb losses. We examine co-insurance clauses, average provisions, and other mechanisms that could reduce claim payments if sums insured or declarations are inaccurate. For liability policies, we assess the adequacy of defence cost arrangements, particularly whether these sit within or outside policy limits, and evaluate the scope of jurisdictional coverage for businesses with international exposures.

From examining business interruption indemnity periods and the inclusion of additional increased cost of working extensions to reviewing cyber policy coverage triggers and retroactive dates, we deliver comprehensive protection assessments across all policy lines. Our focus is on providing clear recommendations for coverage improvements, alternative market options, and policy restructuring opportunities that enhance your insurance protection without unnecessary cost.