Insurance brokers operate on behalf of their customers. Insurance brokers understand both the potential risks that an individual or business may face and also the various insurance policy options and insurance providers that exist across the market.

Insurance brokers can help customers with hard to place risks to find an insurance provider that can meet their needs.

Insurance Brokers work for the customer and are independent of the insurers that they engage with on behalf of their clients. Insurance Brokers work for their customers and have their customers' best interests at heart. Insurance Brokers do not work for the insurer. Insurance Brokers help their clients to find and source available insurance that matches their needs and requirements.

Insurance brokers help clients to reduce their risk by sourcing and matching their clients with appropriate insurance products. Insurance brokers work for their customers. Insurance brokers focus on understanding their customers' risks and exposure and their insurance requirements.

With almost 4000 Australian Insurance Brokers on Advisr, Advisr is the best place to find an insurance broker right for you. Asking for recommendations from others in your industry or area is a good place to start in looking for an insurance broker. You can search for that insurance broker on Advisr by name.

You can also search for an insurance broker by the type of insurance you need (insurance category), by your industry or by location depending on what is most critical to you. You can learn more about what a broker is like to work with by reading customer reviews left on Advisr. Educating yourself and reading articles by insurance brokers that explain different insurance lines, or dissect exposure to risk in different industries also helps you to find and select an insurance broker that understands your business or personal risk. We have hundreds of articles on Advisr to help you understand your insurance needs and find an insurance broker right for you.

Business insurance is insurance that covers your business for their commercial operations. Business insurance can provide coverage for your physical business' operating premises, your stock and contents, against losses you might experience, damages that can occur or theft you may experience. 

Also, business insurance can cover you for financial loss that you might experience from an event, covered by your insurance, occurring to your business. 

Business Insurance is typically divided into two key areas:

1: Material Loss to physical assets that are in your business

2: Financial loss from interruptions to the operations of your business

Business Insurance covers your business from losses that occur when events impact negatively upon your business. There are many types of insurance that are available for business to purchase, so it is worth talking with a professional insurance broker to understand what coverage your business may require and the risk that your business might face.

Some examples of the types of insurance that are available to for businesses to utilise are:

Coverage for property damage.

Professional indemnity insurance

Product liability insurance. 

Workers compensation insurance.

Other employee-related insurances. 

Business insurance costs are determined by the level, size and scope of the insurance that is being utilised. 

Using an Insurance Broker for your Business insurance needs ensures that your business has managed its risks. Every business is different and an insurance broker can help by assessing your unique business risk profile and providing advice on the best insurance cover, including Business insurance for your business. An insurance broker will also help when it comes time to claim, advocating for you to negotiate the best outcome in the settlement of your claim with the insurer. So whether it's employee unable to work through sickness or accident, third party death or injury or events like fire, earthquake, lightning, storms, floods, impact, malicious damage and explosion, your Insurance Broker can assist you to be covered.

Small Business Insurance is insurance designed to cover small businesses and their particular needs. Sometimes Small Business Insurance may be called a business pack. 

Small business insurance may package or bundle together a few different types of broad insurance coverage into one package. A Business Pack may be more cost-effective and more efficient than a small business buying multiple different policies.  In short, an SME business pack can enable a small business to get insurance coverage for most of their business needs in one package.

Small business insurance may include coverage for:

• Business interruption insurance
• Professional Indemnity
• Public Liability Insurance
• Asset Protection: For motor vehicles, your operating premise, the goods that you store. 
• Cyber Insurance - although it can be worth considering a specialist Cyber Insurance policy to better align with your requirements. 

Small Business Insurance may include coverage for the following insurance areas:

• Business interruption insurance
• Professional Indemnity
• Public Liability Insurance
• Asset Protection: For motor vehicles, your operating premise, the goods that you store. 
• Cyber Insurance - although it can be worth considering a specialist Cyber Insurance policy to better align with your requirements. 

Depending on your coverage requirements for your small business. It is worth considering your legal requirements for operating and the risks that are specific to your business. To better understand what risks you might face and what insurance policies may help to provide coverage, please consider engaging an Insurance Broker. 

Small business insurance costs vary depending on a few key variables:

• Level of cover being sought.
• Type, size and nature of the business that is looking for small business insurance cover.
• Claims history for the business.
• Inclusions and exclusions on the policy being sought.
• Industry trends for the sector and location of the business

What is key to remember is that the cost of Small Business Insurance is often a function of the coverage being provided, so cheaper Small Business Insurance may not always offer the same levels of coverage as more expensive alternatives. You want to consider your coverage requirements first, and then seek to find and determine the costs associated.

Using an Insurance Broker for your Small Business insurance needs ensures that your business has managed its risks. Every business is different and an insurance broker can help by assessing your unique business risk profile and providing advice on the best insurance cover, including Small Business insurance for your business. An insurance broker will also help when it comes time to claim, advocating for you to negotiate the best outcome in the settlement of your claim with the insurer.

So whether it's property damage or personal injury, accidental damage to, or theft of business property, your business vehicles or management liability claims, your Insurance Broker can assist your small business to be covered.

General insurance covers a broad range of risks from personal lines of insurance covering home and contents, cars, boats and aircraft and travel insurance to commercial lines such as motor fleet, commercial car, small business insurance, commercial property, farms, industrial, medical malpractice, trades and other business risks.

These general insurances may provide cover in the case of accident, disaster, fire, theft or loss as well as cover for legal liability.

General Insurance is a broad category of insurance including insurance for homes, cars, contents, travel, legal liability, business, workers compensation and more. General Insurance is used to insurance against risks caused by fire, flood, accident, disaster (both man-made and natural) and theft. General insurance does not include life and health insurance.

Using an Insurance Broker for your General insurance needs ensures that you or your business has managed its risks. Every business or personal situation is different and an insurance broker can help by assessing your unique risk profile and providing advice on the best insurance cover, and relevant general insurance policies. An insurance broker will also help when it comes time to claim, advocating for you to negotiate the best outcome in the settlement of your claim with the insurer.

So whether it's damage or injury caused to others or protection and coverage for your valuable assets, your Insurance Broker can assist you to be covered.