Our Association

Health Insurance

Private cover can provide support for general health and wellbeing, peace of mind and may deliver tax savings for high income earners!

Life Insurance

Even the best-planned life can come undone by illness, accident or death – and often with far-reaching consequences for our family or business partners who depend on us.

Travel Insurance

We hope your travels are everything you are dreaming of and rest assured that we have got the back of every policyholder. we serve and will treat everyone like one of our family.

WHO WE ARE

We are

Insurance Brokers Australia is a member broker of Steadfast Group Limited. Our ‘Steadfast’ Broker experience is backed by the strength you need, providing the extra ‘Steadfast’ covers not available from a direct insurer. Minimising your exposure to asset and liability loss helps us to be a true business partner in your future business success. Insurance Brokers Australia adheres to the Insurance Brokers Code of Practice, please follow the link for more information, please follow the link for more information.

WHAT WE OFFER YOU?

Our expertise

We are experts in our field. We make it our business to know your business. It is by having access to a robust and thorough insurance and risk management service that our clients feel confident that they have the right kind and level of insurance in place, that they can depend on through out the year.

Our duty to you

We work for you, not the insurer. It is our duty of care to represent your best interests at all times.

Our care

Understanding your day to day activities and the range of issues you face means our products and services will be tailored to your needs. We will ensure that you have the insurance solution in place to properly protect your business. Furthermore, we are advocates for our clients and will defend our clients entitlements.

HOW WE WORK?

We are

At Insurance Brokers Australia, We lead the market in business insurance program design and hold ourselves to a higher standard. This means we act on our core principles to constantly innovate in an ever changing global market to establish new covers, high rating insurers and the most sustainable solutions. These ‘Solutions’ have revolutionised our business insurance programs and improved the experience of all clients.

NEWS & ARTICLES

There is a difference between a fire alarm and a smoke detector.  The smoke detector is to get you and your family out of the home before the fire truly takes hold.  The fire alarm is to alert the nearest Fire Brigade of the early stages of a fire so that your business or home can be saved before the fire takes hold.

The fire alarm has the capacity and is set up to send a message directly to the Fire Brigade station and they are alerted of the emergency at your address, whilst you are also alerted by text and alarm.  Of course if you are home you know which one is going to get your attention most.FSMT

For small and large business, here is a comprehensive list of prevention and preparation- QLD Fire Safe Tool of owner/occupiers.  It is quite thorough and all the tips will not apply to you but it is good to familiarise yourself with it from time to time.

 

We have attended quite a few fires that could have been prevented with a good fire sensing alarm.  When you close your business doors you should know without a doubt that if something does go wrong in the night, you have the right systems in place to prevent this catastrophe.  The fire brigade will be there before you are.

 

If you are considering or already have an alarm installed in your business or home please call your security firm or our office, to discuss the most effective way to add fire sensing to your system so that you are doubly covered with your safety and security.

Business interruption insurance can help your business to keep running if the insured property is lost or damaged after a catastrophic event such as fire, by covering ongoing costs so you can recover and rebuild.

What do you need to know?

Who should consider it?

For most business owners, there are ongoing expenses that you need to pay even if you’re not generating any revenue – like staff wages, supplier invoices, rent or loan repayments.

Business interruption insurance can get you through a temporary crisis by protecting your cashflow – so you can pay these expenses, and help ensure the future of your business.

What can it cover?

Business interruption insurance can cover the loss of any sales you would have made while your business is out of action – plus any extra costs you incur to stay open.

It may also include:

  • Ongoing operating expenses, such as electricity and rent
  • Relocation costs for moving to, and operating from, a temporary location
  • Training costs for operators of replacement machinery
  • Closure of your business premises due to government-ordered street closures or curfews
  • Damage to a supplier’s premises which has a negative flow on effect for your business operations

 

What isn’t covered

There are exclusions. There is also often a deductible or excess and limits on cover, so check with your Steadfast insurance broker.

 

Case Study

Covering your costs when your business is out of action

Bills keep coming, staff need paying

Linda is the owner of a small office supplies business – with eight staff on the payroll and numerous suppliers.

Late one night, the restaurant next door catches fire and it spreads to her business premises – destroying the property along with the stock and IT systems. She’s unable to open the shop for weeks while the building is being repaired. Because the business isn’t operating, she’s not making any money – meanwhile the bills are piling up.

But with business interruption insurance, Linda banks an insurance payment, maintaining her cash flow at
pre-interruption level. Linda can continue paying her staff their regular wages, so they keep their jobs, and rents a temporary location so the store can keep running.

OUR PARTNERS