Insurance Brokers

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.

Insurance form

Business
Insurance

Coins in hand

Premium
Funding

Claim form

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.

insurance brokers helping a client

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.

Person calculating their business insurance

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.

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.

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) 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). Please read our current Financial Services Guide (FSG) which can be found here. Please also read our current Privacy Policy which can be found here.

    A local team dedicated to your business.

    Mark Spencer
    -
    DIRECTOR
    Insurance Brokers
    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.
    Sarah Brown
    -
    ACCOUNT MANAGER
    Insurance Brokers
    Sarah Brown
    ACCOUNT MANAGER
    Having started her career in the UK, Sarah has combined that experience with 23 years' experience in the Australian market to provide clients with excellent service every time.
    Rodney Carter
    -
    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.
    Belinda Lucas
    -
    ACCOUNT MANAGER
    Insurance Brokers
    Belinda Lucas
    ACCOUNT MANAGER
    Belinda works in our Insurance team in Osborne Park. She enjoys meeting her clients and the variety of businesses that she gets to insure. In Belinda’s downtime, she can be found in her sewing room making quilts while watching romantic comedies with a glass of wine! She also enjoys travelling to admire the different history and architect the world has to offer. Belinda has visited Europe several times with her husband but still hasn’t seen it all!
    Ann De Blank
    -
    SPECIALIST SERVICES
    Insurance Brokers
    Ann De Blank
    SPECIALIST SERVICES
    Ann joined Carbon Insurance in 2020 with a background in bookkeeping and insurance. Ann moved into the insurance world two years ago and loved it so much she hasn’t left. Outside of work, Ann loves all things French – who doesn’t!

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    Quotes

    Carbon Group have been an awesome investment to our business. Their staff are super friendly and extremely helpful and their knowledge in cost savings first class.

    Waterwise Landscaping

    Carbon have assisted us to become more in touch with our business' progress as it has grown and developed.

    The House of Honey

    Our experience with Carbon has been fantastic. Our bookkeeping costs are the same each week which is great as we were hourly before and the fluctuation was hard to track.

    Cherratta Lodge

    I have confidence in Carbon to complete our work to a high standard and deliver work on time.

    Capital Brewing Co

    Since starting with Carbon Group, not only do I have a much better overall understanding of my business, but more free time to actually carry out the work required.

    Edwards Electrical and Solar

    We have been impressed with Carbon ever since we changed over. We love how there is a seamless integration of the accounting department and the bookkeeping departments.

    Compose Photography

    Carbon is an integral part of our support network for achieving our organisation’s mission. We continually receive knowledgeable, timely and generous assistance from both the bookkeeping team.

    Erin, Perth City Farm

    Fantastic serves, staff and very friendly. I would 100% recommend to anyone wanting a great accountant.

    Sam Madden

    Carbon Group are an amazing company and they certainly know what they're doing. Great staff, friendly and prompt service. I will recommend them to anyone!

    Nick Jones

    Carbon Group has helped reduced our bookkeeping and accounting costs by 50%

    Waterwise Landscaping
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