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About Us

At Hart Insurance Services we have a passion for getting it right. Our goal is to provide ‘Professional and Personal General Insurance Advice and Service for the Business Community.’

Don’t let the Media fool you into thinking that Business Insurance is just so ‘Cheap and Easy!’ The risks that face your Business every day can be varied and complex. Remember the famous saying “You don’t know what you don’t know!’

When it comes to your Business Insurance, why risk it? 
You would always get your Lawyer to draft your contracts! Your Accountant assists you with your Tax!
Why wouldn’t you make sure your assets are fully protected by getting the correct advice from a Professional Insurance Adviser?

At Hart Insurance, we are SMALL enough to CARE but BIG enough to be able to HELP. If you are not sure if your current Insurance covers are correct then why not contact us today and arrange for a Business Insurance Review with one of our Team?

Our Team

  • Mark Hart

    With over a decade of experience within the Insurance Industry as an Adviser as well as his previous life as a maintainer in the Royal Australian Navy and several years managing Caravan Parks with his wife Cindy, Mark has developed a very good understanding of problem solving and Risk Management.

    Ongoing training and keeping current with industry changes and new product offerings means that Mark is well placed to assist your business with your Insurance Program, ensuring that your individual needs are met.

    Every business has different risks which is why Mark wants to get to know you and understand your business fully. If you would like to be more than just a number why not give Mark a call?

    LinkedIn

    Principal

    AR No. 302436

    07 5630 3708

    0400 195 427

    With over a decade of experience within the Insurance Industry as an Adviser as well as his previous life as a maintainer in the Royal Australian Navy and several years managing Caravan Parks with his wife Cindy, Mark has developed a very good understanding of problem solving and Risk Management.

    Ongoing training and keeping current with industry changes and new product offerings means that Mark is well placed to assist your business with your Insurance Program, ensuring that your individual needs are met.

    Every business has different risks which is why Mark wants to get to know you and understand your business fully. If you would like to be more than just a number why not give Mark a call?

    LinkedIn
  • Cindy Hart

    With over 15 years’ experience in the Insurance industry Cindy has developed the skills needed to provide our clients with outstanding administrative support for dealing with their policies and claims.

    Cindy is also our first point of contact for our Clients in the event of a claim. Cindy has an empathetic manner and will assist the client through the entire claims process. This includes from first notification and assistance with the lodgement of the claim, through to liaising with the insurers, assessors and third parties as well as supporting our clients and ensuring the claims are dealt with in a fair and timely manner.

    AR No. 297428

    (07) 5630 3708

    0400 762 380

    With over 15 years’ experience in the Insurance industry Cindy has developed the skills needed to provide our clients with outstanding administrative support for dealing with their policies and claims.

    Cindy is also our first point of contact for our Clients in the event of a claim. Cindy has an empathetic manner and will assist the client through the entire claims process. This includes from first notification and assistance with the lodgement of the claim, through to liaising with the insurers, assessors and third parties as well as supporting our clients and ensuring the claims are dealt with in a fair and timely manner.

  • Our Commitment

    As your appointed General Insurance Advisers, we commit to:

    • Conduct an analysis of your risk/needs and advise our recommendations on the correct covers required to protect your assets and liabilities
    • Recommend the appropriate Insurer to match the risk
    • Only recommend financially secure and stable Insurers
    • Provide alternatives on your risk retention through various excess options
    • Provide alternatives to pay premiums in monthly instalments
    • Prompt and timely servicing of your account to ensure you are adequately informed of issues that may affect your business.

    In the event of a claim we will:

    • Provide you with the Insurer’s Claim Form
    • Arrange for the Loss Assessor to be appointed if applicable
    • Advise you on the completion of the Claim Form
    • Submit the Claim Form to the Insurer on your behalf
    • Provide advice to ensure you have received your full entitlements.
    We are with you every step of the way, call our
    24/7 Emergency Claims Response Line on 1300 831 094
    Click here to Make a Claim

    Insurance Expertise

     

    “Our vision is to maintain a local presence whilst being able to tap into a national buying group for products and services needed by our customers in today’s complex business world"

    • Commercial Motor
    • Plant and Equipment Operators
    • Commercial Property Owners

    Hart Insurance Services is an Authorised Representative of Insurance Advisernet, one of Australasia's biggest General Insurance Brokers. Being an Insurance Adviser in Pialba our knowledge of the local insurance industry is second to none and our experience in handling insurance for many thousands of customers enables us to provide independent advice you can always trust. It also means you'll benefit from access to unrivalled financial strength, business efficiencies and buying power spanning every major insurer in Australia and New Zealand even access to major overseas insurers if and when required. We specialise in Truck Insurance including Plant & Equipment and Commercial Property Owners as well as a broad range of insurance products.

    Truck Insurance including Plant & Equipment

    Truck insurance is an important cover for companies in order to protect themselves from a range of potential accidents. Insurance options differ depending on factors such as the type of truck, the goods being transported, risks involved and driver experience and history.

    Some of the most common types of coverage available include basic coverage, specialised coverage, primary trucking liability insurance and cargo insurance. Basic coverage consists of collision damage which will cover the cost of third-party repairs if your company’s driver is at fault, however, comprehensive cover will also enable repairs to your own company’s vehicle to a set figure. For a more inclusive insurance plan, specialised cover is an option that insures any risk that your driver could be involved in during their transportation of goods.

    For driver specific insurance, primary trucking liability is an insurance option that covers bodily injuries and damage for the third party as well as the driver and the driver’s vehicle. If your company’s driver is found to be at fault, this insurance type will cover damages to an extent. In order to protect your cargo, cargo insurance is also an option, however, the coverage is dependent on the value of the cargo and the type of truck.

    Plant and equipment insurance is an insurance option that insures equipment in the construction, civil, contractor, earthmoving, crane, agriculture and mining industries are completely covered in the situation that a breakdown, damage or theft may occur.

    Because machinery breakdown can lead to short term and long-term losses for a business, it is ultimately a crucial insurance option.

    Commercial Property Owners

    Owning a commercial property can be a huge undertaking with unexpected expenses and accidents, especially with so many incidents occurring amongst third-party tenants. One of the most important aspects for commercial property owners to consider is commercial property insurance to protect their livelihood financially and legally. Popular insurance options include public liability insurance, property damage insurance and loss of income insurance.

    Public liability insurance is one of most critical covers to invest in, as it provides you financial and legal protection. In the situation that a member of the public or a tenant sustains bodily harm at your property or as a result of poor property maintenance, their medical or hospital expenses will be covered. Property damage insurance provides financial protection if there are any damages that occur to your property, whether natural such as hail, human error such as fires or even electrical damage. Any replacements or repairs that are needed will be financially covered by property damage insurance. Because the income of a commercial property owner is dependent on the income and financial capabilities of their tenants, income flow has risks involved. Loss of income insurance protects your income if a tenant is unable to pay their rent, financially covering any losses incurred as a result.

    Investing in the correct insurance plan minimises the risks associated with owning a commercial property, protecting your income and livelihood in the future.

    LOCAL UNDERSTANDING. NATIONAL STRENGTH.

    Hart Insurance Services Pty Ltd is proud to be an Authorised Representative of Insurance Advisernet, a network of more than 180 insurance advisers across Australia and New Zealand. Insurance Advisernet is a principal member of the National Insurance Brokers Association and the largest member of the publicly-listed AUB Group – one of the leading general insurance broking groups in Australasia with over 450,000 clients. This relationship gives Hart Insurance Services Pty Ltd access to unrivalled financial strength, business efficiencies and buying power that spans every major insurer in Australia and New Zealand, even access to major overseas insurers when required. To find out more about the many benefits simply visit insuranceadviser.net

    Adviser generic video

    STRENGTH UNDER THE INSURANCE ADVISERNET BANNER.

    Hart Insurance Services Pty Ltd is a Corporate Authorised Representative of Insurance Advisernet (IA) founded in 1996. IA are a national organisation in both Australia and New Zealand and this allows Hart Insurance Services Pty Ltd the benefit of maintaining their local presence whilst being able to be part of a national group for products and services needed by their customers in todays complex business world.

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    Insurance Types

    Business Insurance

    Having adequate general insurance cover is one of the most fundamental parts of being in business, as it provides invaluable protection against a range of risk events – from equipment and assets to legal liability – reducing financial uncertainty and protecting your livelihood and that of your workforce. Insurance companies provide a wide variety of general business insurance policies so it’s essential to get the right one for your needs.

    Learn more

    Business Interruption Insurance

    Business interruption insurance is designed to cover the shortfall in gross profits caused by the interruption to your business after a disaster or another type of insured event that forces you to close your doors for an extended period of time. It effectively returns your business to the same financial position it was in before the event occurred, allowing the quickest possible resumption of normal business.

    Learn more

    Contract Works Insurance

    You need contract works insurance in place before a peg is put into the ground. Many things can go wrong where building works are involved, whether that be at excavation or even completion stage of any project. This insurance is designed specially to provide any physical and related party liability damage as well as loss of building materials, fire and malicious damage.

    Learn more

    Cyber Insurance

    As digital technology has become more and more inseparable from the operations of most businesses, having cyber insurance has become more and more important.

    Learn more

    Directors & Officers / Management Liability Insurance

    If you have a small to medium sized private company, you could be protected by a policy that covers claims from a wide range of management liabilities, such as; directors and officers liability, company reimbursement, company liability and employment practice liability.

    Learn more

    Home Insurance

    If you run your business predominantly from home it’s important to be aware your existing home and contents insurance may not cover your business activities or equipment in the event you need to make a claim

    Learn more

    Liability Insurance

    Despite a business’ best intentions sometimes accidents still happen. Product liability insurance protects against claims of personal injury or third party property damage caused by products that have been manufactured, sold or supplied by your business. In particular it can help to cover the potentially significant costs associated with legal and court costs.

    Learn more

    Marine & Hull Insurance

    Marine insurance is designed to provide peace of mind, whether you have a pleasure craft that requires insurance or if you are moving cargo across water, land or air. Marine transit covers provides point-to-point coverage between your premises and those of your customers.

    Learn more

    Motor Insurance / Commercial / Heavy Motor Insurance

    One of the more common types of business cover, motor/vehicle insurance protects your business fleet against costs arising from theft and accidents. Your policy can be tailored to include a range of commercial vehicles from cars and motorbikes to vans, trucks and even buses and heavy motor vehicles.

    Learn more

    Plant & Equipment Insurance

    If you have mobile plant and equipment, we can arrange to ensure this plant and equipment is properly insured to protect both the equipment but importantly also the liabilities associated with its use. This product is designed to cover everything from the smallest of earthmoving machines through to the largest fixed or mobile cranes – and everything in between.

    Learn more

    Professional Indemnity

    You always endeavour to provide the very best services and advice you can. Regardless, the threat of claims and litigation is very real in 21st Century Australian business and can potentially bankrupt a business. This is why if your business provides any kind of professional services and/or advice you should strongly consider having professional indemnity insurance.

    Learn more

    Property Insurance

    A must if you have one or more business premises, property insurance provides financial protection in the event they are damaged or destroyed in a one-off event.

    Learn more

    Strata Insurance

    Strata Insurance offers you peace of mind by providing liability cover in the event people are injured on common property. Typically it includes cover for lifts, pools, car parks, stairwells, gardens, wiring, balconies, walls, windows, ceilings and floors.

    Learn more

    Want more information? Enquire here

    Superior Life Insurance you can trust. It's Quick and Smart.

    FIND OUT MORE & GET A QUOTE

    GET THE APP!

    Insurance Advisernet is pleased to be able to provide you with an app on your smartphone that provides you with some neat features to make managing some of your insurance life a little bit easier. Among other things, the app allows you to:

    Easily look up your adviser's details, or their other staff
    Request a call back or a certificate of currency easily
    If you have a claim, there are inbuilt claims forms, with photo evidence, that can be submitted to your adviser with a click
    We also provide easy access to some emergency services should you need assistance urgently
    In the not too distant future, the app will also link off to our client portal, which will give you the power of self-serve functionality for your insurance policies held with Insurance Advisernet
    The app caters for around 150 IA businesses around the country. In order to tailor the contacts in the app to your adviser, you will need this 3 digit branch code:
    437

    Click your preferred provider to get the app!

    Contact Us

    Want to chat?

  • Mark Hart

    With over a decade of experience within the Insurance Industry as an Adviser as well as his previous life as a maintainer in the Royal Australian Navy and several years managing Caravan Parks with his wife Cindy, Mark has developed a very good understanding of problem solving and Risk Management.

    Ongoing training and keeping current with industry changes and new product offerings means that Mark is well placed to assist your business with your Insurance Program, ensuring that your individual needs are met.

    Every business has different risks which is why Mark wants to get to know you and understand your business fully. If you would like to be more than just a number why not give Mark a call?

    LinkedIn

    Principal

    AR No. 302436

    07 5630 3708

    0400 195 427

    With over a decade of experience within the Insurance Industry as an Adviser as well as his previous life as a maintainer in the Royal Australian Navy and several years managing Caravan Parks with his wife Cindy, Mark has developed a very good understanding of problem solving and Risk Management.

    Ongoing training and keeping current with industry changes and new product offerings means that Mark is well placed to assist your business with your Insurance Program, ensuring that your individual needs are met.

    Every business has different risks which is why Mark wants to get to know you and understand your business fully. If you would like to be more than just a number why not give Mark a call?

    LinkedIn
  • 13 Cooloola Crescent,  

    Urangan QLD 4655

    Prefer us to contact you? Not a problem!

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    Thank you for contacting Hart Insurance Services Pty Ltd! Your message has been sent successfully. One of our skilled Advisers will be in touch with you shortly.
    We are with you every step of the way, call our
    24/7 Emergency Claims Response Line on 1300 831 094
    Click here to Make a Claim

    Testimonials

    Melcrest Auto Express have been utilising the Services of Mark and Cindy Hart since 2006. Their dedication to providing quotes, advising on insurance options and ensuring all points of insurance are covered have been above expectations. Their willingness to assist on the frontline of any claims minor or major and correspond with Insurers at these emotional times has been of tremendous benefit. Their dedication has stretched to cover all of our business and personal requirements from household to business liability.
    Murrie Taylor, Director
    Melcrest Auto Express

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