Insurance Risk Solutions

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Insurance Risk Solutions is an Authorised Representative of Insurance Advisernet, one of Australasia's largest General Insurance Brokers. 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 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 and access to major overseas insurers if and when required.

Brett Hagan


As your appointed General Insurance Adviser, we will:
  • Conduct an analysis of your risk/needs and recommend the most appropriate covers to protect your assets and liabilities
  • Provide alternatives on your risk retention through various excess options
  • Allow you to pay premiums in monthly instalments
  • Recommend the appropriate insurer to match the risk
  • Provide prompt and timely servicing of your general insurance needs to ensure you are adequately informed of issues that may affect your business.
  • Only recommend financially secure and stable insurers

Insurance Expertise

Workers Compensation

Workers compensation insurance is not only one of the most popular and important insurance covers for businesses but it is also a requirement under Australian legislation. The reason that worker’s compensation insurance is a necessary cover for businesses, is the protection it provides for injuries or illnesses that occur in the workplace. If the situation does arise that an employee becomes ill due to workplace conditions or injures himself or herself at the workplace, compensation will be provided to the employee.

Not only does this offer protection to your business but it also offers protection to your employees, giving them peace of mind regardless of their profession or industry. Workers compensation also offers legal protection to your business and employee. Once an employee agrees to accept workers compensation for workplace accidents, they legally forfeit their right to file a lawsuit against the business for negligence. This coverage avoids expensive and unnecessary legal costs for all parties involved.

In most cases, worker’s compensation insurers businesses for the cost of medical expenses, hospital expenses, potential rehabilitation or even death.

Business Insurance

Business Insurance is a critical cover to have when owning any type of business as it will be protecting your business from any unpredicted losses or events that occur during operating business hours. The range of insurance options for different businesses included coverage for property damage, legal liability and employee related risks. The selection process of insurance policies can have factors such as the type of business, business location and other needs which will need to be considered to find the most comprehensive option.

Owning a business is fraught with risks that can affect your business such as theft, machinery breakdown, public liability or even deterioration of stock. One of the most important insurance to have is public liability, specifically if your business does not have a premise and involves delivering services to your customers. The reason for this, is if you have been found liable for the injury to a person either at your business premises or a result of business activities. Compensation for medical bills, legal representation and damage to the person will be covered up to a maximum limit.

Issues such as severe financial, legal and managerial issues can arise when owning a business, having the correct insurance coverage will protect you from any incident causing irregular business flow and any threat of future issues impacting your business.

Professional Indemnity Insurance

If you or your business is within an industry that services information or advisement you are at risk of providing your clients with incorrect or ineffective information. In order to protect your business and your income from losses, professional indemnity is one of best covers for investment. A range of industries are eligible and recommended to purchase professional indemnity insurance including professionals, media professionals, real estate professionals, charity groups and even leisure professionals.

Professional indemnity insurance is a type of cover that specifically protects you and your business against claims made by clients of negligence, malpractice, misconduct or breach of duty. Often these claims become a legal issue which, become costly and results in financial loss for the business. Each industry has unique set of risks; therefore, there are unique insurance plans to mitigate them. Professionals such as accountants require professional indemnity insurance in order to specifically provide protection for risks such as damages to third parties from breach of professional duty or omission. Real estate professional indemnity insurance provides financial protection and legal for agents that provide misleading or false information to clients or omit information that leads to emotional, physical or financial losses.

Protect you, your business and your income, both financially and legally, consider professional indemnity insurance.

Liability Insurance

Liability insurance is a crucial part of owning and operating a business, there are a range of things that can go wrong, a logical business move would be to have liability insurance as a policy as it will protect you financially in an unexpected event that you are found to be liable for the negligence of the condition of your business property and has caused a third-party to be injured, killed, suffered damages or destroyed property.

There are a variety of insurance policies you can have in place to protect yourself further in the situation an accident are public liability, professional indemnity, product liability. Public liability ensures the person, business, event, contractor etc. are covered from any costs they may be forced to encounter if they are found liable for damages of property, loss, injury or death as a result of negligence. Professional indemnity will protect you from any legal action that may be taken against you if a client is claiming they have suffered a loss from your services or advice. Product liability is crucial to a manufacturing, distribution and importing business as it will ensure you are covered from any damages or injuries you have caused a third party or business as a result of your business or services.

Owning and operating a business is no simple task as it full of unexpected risks, therefore, having the right insurance plan will not only financially protect you in the short term but in the long term.


17/16 Charlton Court, Woolner, NT, 0820

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