Our Process

We do not rely on automated algorithms to guess your risk. It starts with a conversation. When you enquire, we arrange a consultation to unpack how your business operates.

For standard SMEs: we gather core metrics such as turnover, staff numbers, key assets, and any existing contracts or lease obligations.

For complex or high hazard risks: we take a deeper dive, usually 15 minutes or more, to understand the nuances that standard insurers might miss.

Before we approach a single insurer, we translate your business activities into a structured market brief. This is a professional presentation of your risk profile designed to appeal to underwriters.

We define your exposures, highlight your risk management protocols, and ensure proper industry classification.

We scan the broader market, not just one insurer.

Major insurers: standard, cost-effective coverage.

Underwriting agencies: niche and complex risks such as ISR, PI, specialised property or strata placements.

We handle all underwriter feedback and only return to you when essential.

We do not simply forward quotes. We provide a clear, considered recommendation explaining the reasoning behind the insurer selection.

We outline optimal limits based on turnover, assets, and contractual obligations, and highlight key exclusions.

Upon approval, we bind the coverage, issue certificates, and ensure all documents meet contractual and compliance requirements.

We support mid-term adjustments as your business grows, and re-market your program at renewal to maintain competitive coverage.

When a claim occurs, you contact us — not a call centre. We manage the entire process end-to-end until resolution.