Total Risk Insurance

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About Us

Total Risk Insurance 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.

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Miguel Rodriguez

Miguel Rodriguez PRINCIPAL

Karli Aylward

Leigh Moulden PRINCIPAL

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
    Emergency Claims - 1300 831 094

    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

      What our Customers are Saying

      Why Use an Adviser

      Insurance Expertise

      Hospitality Insurance Beenleigh

      Regardless of the size of your hospitality business, there are a variety of insurances that will protect your business in the situation that accidents occur in the workplace. There are a range of insurance options for your hospitality business such as general liability, theft, product liability, worker’s compensation, property contents, equipment breakdown, deterioration of stock and business interruptions. General liability is a policy that will insure your business if a customer has been injured or harmed at your place of business and will compensate medical bills amongst others. Theft insurance covers theft of items, monetary theft and employee dishonesty that occur in the business. Product liability insurance provides protection against any claims legal or otherwise that a customer makes against the business. Property contents insurance will financially cover your business from any natural damage due to hail, flooding etc. that may occur and temporarily disrupt the regular business flow. Equipment breakdown insurance will cover the financial cost of repairing or replacing any damaged equipment that is crucial to the business, such as refrigerators. In addition, deterioration of stock insurance insures food products in the instance of unexpected spoilage due to equipment breakdown. Hospitality businesses have unique business insurance requirements, without having this policy it could lead to severe financial losses for the business both in the long and short term.

      SME Business Insurance Beenleigh

      Owning a small to medium sized business (SMEs) poses unique risks and responsibilities to larger businesses. As a result, it is important to protect your business with specialised small to medium size business insurance or SME insurance. The most common insurance overs for an SME include public liability, professional indemnity and business interruption insurance. Whilst some types of cover are more suited to some industries than others, any SME can benefit from all or a combination of the above. Public liability insurance provides your business protection from any third-party injuries that occur on your premises, compensating medical or hospital bills that are incurred for injury treatment. In addition to financial protection, public liability also provides legal representation should legal claims be made against your business due to the injury caused. Professional indemnity is a type of insurance that is popularly used by service industries as it provides financial and legal protection against claims of malpractice, negligence or breach of duty against your business. SMEs are generally operated by their owners and should a personal or professional matter arise where the owner cannot work and must temporarily close the business, business interruption insurance becomes invaluable. This form of cover provides protection for any financial losses that may occur as a result of business closure, compensating owner income. When protecting your SME, consider the unique risks that are posed in order to correctly and sufficiently invest in the most comprehensive small to medium sized insurance plan available.


      Insurance Partners

      Contact Us

      P:(07) 3807 4100


      2/880 Old Cleveland Road, Carina, QLD, 4152

      Enquiry Form

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      Business Insurance Products

      Builders Warranty Insurance

      Today licensed builders needs Builders’ Warranty Insurance for some, if not all residential jobs. Generally, a Builders’ Warranty Insurance certificate must be submitted before any work can begin.

      SME Business Insurance

      Business Insurance is used by many businesses, but it’s best suited to SME-type operators.

      Business Interruption Insurance

      From your family and employees to customers and suppliers, there are a lot of people who depend on your business opening its doors each day.

      Contract Works Insurance

      Contract Works Insurance provides cover for any physical damage of works or third party liabilities during construction stages of a project.

      Cyber Insurance

      Technology has never been so deeply entwined in our businesses. While it delivers significant efficiencies and convenience, it also comes with significant cyber risks.

      Directors & Officers/Management Liability Insurance

      Many small and medium-sized business owners think they don’t need Directors & Officers (D&O) Insurance as it’s only relevant to large multi-national companies. However, D&O insurance is just as important to SME’s as any other business.

      Home Insurance

      For most people, the family home is the largest asset they’ll ever own. This means it is essential to protect it, inside and out, with the right insurance cover. After all, no one wants to discover they’re inadequately insured when it’s too late.

      Liability Insurance

      Despite the very best of intentions, accidents can still happen in any business. Public and Product Liability Insurance  protects you against claims for personal injury or damage to a third party.

      Marine & Hull Insurance

      Do you operate a marine business and/or transport goods? Marine Insurance is designed to provide peace of mind when you have a ship or vessel that requires insurance, or you are moving cargo across sea, land or air.

      Motor Insurance / Commercial / Heavy Motor Insurance

      Policy provides coverage for physical loss, damage or theft to your vehicle. It can be extended to cover Loss Damage or injury to a third party.

      Plant & Equipment Insurance

      Plant & Equipment Insurance is important for a wide variety of businesses that rely on mobile plant and equipment to continue their business activities. It protects the equipment itself, but also the liabilities associated with its use, from portable tools and the smallest of earthmoving machines, to forklifts and the largest of cranes.

      Professional Indemnity Insurance

      Professional Indemnity (PI) Insurance isn’t just limited to typical ‘professions’ such as accountants, engineers, lawyers, doctors and architects. Essentially, anybody providing advice or consultancy services for a fee has an exposure that needs to be considered.

      Property Insurance

      Cover for loss or damage to your physical business assets in the event of an incident occurring.

      Social Engineering Fraud

      Social Engineering Fraud (SEF) is when a fraudster gains the trust of an individual, usually within a role of influence within a business, and ‘tricks’ them into sharing confidential information or even transferring funds directly to the criminal.

      Strata Insurance

      Every owners’ corporation (also known as the body corporate) is obliged to take out Strata Insurance to cover the building, common property and common area contents of a strata scheme. Insurance is available for both residential strata and commercial strata properties.

      Workers’ Compensation

      While some occupations and industries have a higher risk of workplace incidents and/or fatalities than others, Workers’ Compensation is compulsory for all Australian employers. It provides financial compensation to workers if they suffer a work-related injury or illness.

      Information & Downloads

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