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Protect your business with the correct insurance policy.
There are many factors to consider when deciding what type of insurance you need, and which policy is the best for you. Without the correct advice, you may be leaving yourself open to risk.
We’ll look at your circumstances individually and only present options which would adequately cover your risk exposure. Then we make it easy for you by aligning all your policies to renew on the same date and offering flexible monthly payment options. This approach allows us to give you options that are dependent on the level of cover that you need.
Our passion lies in finding the insurance solution that best matches your needs so you can protect your assets, and ultimately, your future. Our friendly team looks forward to getting to know you, find out more about us below.
Business
Insurance
Premium
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Making a
Claim
Insurance is insurance, right? Wrong.
There are many factors to consider when deciding what type of business insurance you need, and then which policy is the best for you. Without the correct advice, you may be leaving yourself open to risk.
At Carbon Insurance Brokers, we look at your circumstances individually so we can tailor the product to your specific needs and requirements. This approach allows us to give you options on the level of cover that you need.
See how Carbon Insurance Brokers can help you
We can provide access to cover for a range of property insurance policies:
- Commercial Property Owners
- Material Damage
- Business Interruption
- Burglary/Theft
- Money
- Industrial Special Risks (ISR)
- Commercial Strata
- Residential Strata
- Contract Works
- Builder’s Home Warranty
- Contractors’ Plant & Machinery
- Farm, Crop, Livestock & Bloodstock
- Marine Hull / Pleasure Craft
- Commercial Motor Vehicles & Motor Fleets
- Marine Cargo
We can provide access to cover for a range of people insurance policies:
- Public & Products Liability
- Product Recall Expenses
- Professional Indemnity
- Management Liability
- Cyber Liability
- Information & Technology (Info-Tech) Liability
- Marine Liability
We can provide access to cover for a range of liability insurance policies:
- Worker’s Compensation
- Industrial Diseases Workers’ compensation
- Voluntary Workers Cover
- Journey Cover
- Group Personal Accident and/or Illness
- Personal Accident and/or Illness
- Corporate or Leisure Travel
- Marine Liability
Achieve peace of mind with the help of our insurance brokers.
Understand the ‘why’ behind your Business Insurance.
We’re not about just pushing an insurance product, we want to help you understand why you need a certain type of cover and the benefits of having it in place. Once you understand the risks of being without adequate cover, you’ll have a bigger appreciation of the importance of business insurance and will get peace of mind knowing you have the right cover for your needs.
By keeping a close relationship with your insurance broker, or have advisors who do, you’ll know when and how your business insurance policies should be taken out, what needs to be covered and for how long. This will help to ensure you aren’t paying for something you don’t need, but more importantly: That you’re covered for real risks in your industry.
Frequently Asked Questions
An insurance broker is an expert in insurance and can also assist with risk management. Insurance can be incredibly complicated to fully understand, and an insurance broker can help you understand the details of a policy and also work out what level of cover you need so that you are adequately covered.
Using a broker doesn’t necessarily cost more. In most cases, it costs less because brokers have knowledge of the insurance market and the ability to negotiate competitive premiums on your behalf.
Insurance brokers deal with a range of insurance companies directly and in some cases they can access policies that are not readily available to most customers. If the worst happens and you do have to make a claim, a broker will act on your behalf, liaising with the insurance company to negotiate the best possible outcome for the client. Speak to the team at Carbon Insurance Brokers to see how we can help you.
An insurance broker can assess your business needs, recommend appropriate coverage, negotiate competitive premiums and assist with claims to ensure you get the best possible outcome.
The insurance that is needed for any business can vary greatly depending on the occupation/industry in question. Typical business insurance policies may include the following:
- Public & products liability
- Business property
- Business interruption
- Theft
- Money
- General property
- Mechanical breakdown
- Commercial motor vehicle
- Management liability
There are also insurance policies that, in addition to the above, are recommended for businesses that give any sort of professional advice. Examples of this are as follows
- Professional indemnity
- Directors and officers
Any business that operates using online servers, cloud-based programs and or store personal information, are recommended to take out cyber insurance.
The above insurances, while strongly recommended for all business owners, are optional. This is not the case however when it comes to workers compensation Insurance as any business that employs staff must have workers compensation insurance in place as per the respective state legislation.
You should review your business’ insurance policies annually as circumstances change year to year. Your insurance broker will be able to do this for you, making the process quick and seamless.
It is important to ensure your business is adequately insured, and its individual merits as businesses can vary greatly in size, industry, and risk exposure.
When establishing how much to insure your business for, consider things such as turnover, profit, value of property such as the building, contents, stock or tools. It is also important to consider what the potential financial impact could be to the business when you are not able to trade for extended periods due to an insured event, for example, fire or machinery breakdown.
Another key point to consider is ensuring that your insurance values/limits are reviewed regularly. Businesses change all the time, and the insurance should be updated accordingly to avoid being underinsured.
We offer a range of insurance solutions including business insurance, property insurance, liability insurance and personal insurance.
Public liability insurance covers claims of injury or damage to third parties, while professional indemnity insurance covers claims arising from professional advice or services you provide.
Business interruption insurance helps cover the loss of income and operating expenses if your business is temporarily closed due to an insured event, like a fire or natural disaster.
Yes, bundling policies can simplify management and potentially save on premiums. Our brokers will help you find the best bundling options for your needs.
Contact your Carbon insurance broker directly to guide you through the claims process, ensuring all necessary documentation is completed for a smooth and efficient resolution.
Contact us today Book a free consultation
Our insurance brokers are looking forward to assisting you. Contact us today to discuss your insurance needs.
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DISCLAIMER
Mark Spencer (AR No. 473087) and Jillian Munro (AR No. 1284422) of Carbon Insurance Brokers Global Pty Ltd t/as Carbon Insurance Brokers, ABN 57 602 231 765 (AR No. 468039) are Authorised Representatives of Apollo Risk Services Pty Ltd ABN 60 367 225 615, ACN 150 334 348, AFSL No. 403 727 (Licensee).
Apollo Risk Services are members of the National Insurance Brokers Association of Australia (NIBA), and are subscribers to the Insurance Brokers Code of Practice. The Code sets out standards of conduct for all members of NIBA. A copy can be obtained here 2022 Insurance Brokers Code of Practice (the Code). Please read our current Financial Services Guide (FSG), Privacy Policy and other Important Notices which can be found at www.apolloriskservices.com.au.
A local team dedicated to your business.
Mark Spencer
DIRECTOR
Mark joined Carbon in 2020 to head-up our insurance division. With nearly 30 years experience within the Perth Intermediated Insurance sector, Mark has extensive knowledge of both industry and product disciplines which he passes onto his SME and corporate clients.
Jill Munro
DIRECTOR
Jill Munro joined us in 2022 with over 25 years of experience as a broker. In her spare time, she enjoys wining and dining at a nice restaurant with her friends. When she’s not dining out, you’ll likely find her out on the golf course or enjoying a day at the beach.
Belinda Lucas
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ACCOUNT MANAGER
Insurance Brokers
Belinda Lucas
ACCOUNT MANAGER
As an Account Manager, Belinda enjoys meeting clients and the variety of businesses that she gets to insure. In her downtime, Belinda can be found in her sewing room making quilts and watching romantic comedies with a glass of wine! Belinda loves Europe and has visited several times yet still hasn’t seen all of it!
Rodney Carter
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ACCOUNT MANAGER
Insurance Brokers
Rodney Carter
ACCOUNT MANAGER
Rodney joined our Business Insurance team in 2021 as our newest Account Manager. He brings 28 years’ worth of experience to the team and loves to help his clients reduce their risk exposure. Rodney loves the outdoors and can be found running or cycling when he’s not at work.
Sandra Paolino
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ASSISTANT CLIENT MANAGER
Insurance Brokers
Sandra Paolino
ASSISTANT CLIENT MANAGER
Sandra is an asset to our Business Insurance division, joining us with over 15 years of experience. She loves the hands-on aspect of her role and being able to help her clients with all their insurance needs. Sandra lived in Rome for a year and a half and swears by the food, history and architecture. A Fun fact about Sandra is that she knows how to salsa, which always makes her a party favourite!
Alana Byrne
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BROKER ASSISTANT
Insurance Brokers
Alana Byrne
BROKER ASSISTANT
Alana joins our insurance team as a Broker Assistant, marking her first role in the industry. She is currently studying Psychology and HR at university while completing her insurance broking qualifications. Alana thrives on the daily learning opportunities, the challenges and versatility of her work, and the uniqueness of each client. Outside of work, she enjoys camping, travelling, podcasts and watching live bands with friends.
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