Insurance Broker Melbourne
We're a Melbourne-based general insurance broker serving small and medium businesses Australia-wide. We work by phone and email, so wherever your business is, we can help. We find the right cover for your business, compare options from a range of insurers, and stay in your corner if you need to make a claim.
What we cover
We arrange general insurance for businesses of all sizes, with a focus on these industries:
Construction
Builders, contractors and developers, including contract works insurance
Tradies
Sole traders and small trade businesses
Cafés and restaurants
Hospitality venues, takeaways and caterers
Manufacturers
Factories, workshops and production businesses
Commercial property
Landlords, owners and body corporates of offices, shops, warehouses and industrial units
Transport and logistics
Trucks, fleets, couriers and goods in transit
Information technology
IT consultants, developers and tech businesses
Professionals
Consultants, advisers and other professional services firms
General business
Retailers, offices, service businesses and more
The types of cover we arrange include public liability, business packages (property, contents, theft, glass and business interruption), professional indemnity, management liability, cyber, commercial motor and fleet, contract works, tools and portable equipment, and landlord and strata cover.
Why use an insurance broker?
You can buy many business policies directly from an insurer or online. A broker adds value in a few practical ways:
- We work for you. Our job is to understand your business and arrange cover that suits it, not to sell one insurer's products.
- We compare the market. We can approach a range of insurers and underwriting agencies, including some that don't sell directly to the public.
- We explain the fine print. Policy wordings differ on things like theft conditions, flood cover, sums insured and excesses. We'll point out the differences that matter to you.
- We help get the details right. A wrong occupation, an outdated sum insured or a missed disclosure can cause problems at claim time. We ask the questions that help avoid that.
- We help at claim time. If something goes wrong, you call us. We help you lodge the claim, deal with the insurer and assessors, and follow it through.
- We review your cover each year. As your business changes, we update your cover so it keeps pace.
Using a broker doesn't have to cost more. We'll be upfront about how we're paid and any fees before you commit.
How we handle claims
A claim is when insurance really counts, and it's where having a broker makes the most difference. Here's how it works with us:
- Call or email us as soon as you can. Tell us what happened. If there's an emergency, make the site safe first and take reasonable steps to prevent further damage.
- We tell you what's needed. That usually means photos, invoices, quotes, a police report for theft or malicious damage, and a description of what happened.
- We lodge the claim with the insurer. We prepare and submit it on your behalf, and make sure the insurer has the information it needs.
- We stay involved. We follow up with the insurer, assessors and loss adjusters, and keep you updated.
- We step in if there's a problem. If a claim is delayed or you disagree with a decision, we'll talk to the insurer for you and explain your options, including internal and external dispute resolution.
You can read more on our claims page.
Serving clients Australia-wide
We're based in Melbourne, but our clients are spread right across Australia, in every state and territory, from capital cities to regional towns. Everything we do, from quotes and policy reviews to certificates of currency and claims, is handled by phone and email, so where you're located makes no difference to the service you get.
Talk to a Melbourne-based broker, wherever you are
Whether you're starting a business, reviewing your renewal or have a question about an existing policy, we're here to help. Call us on (03) 9078 6473, email info@mminsure.com.au or contact us online. We're open 9:00am to 5:30pm, Monday to Friday.
If you know someone who could use our help, see our referrals page.
Get in touchFrequently asked questions
What does an insurance broker do?
A broker works on your behalf to understand your insurance needs, compare options from different insurers, arrange cover and help you manage claims. We're your point of contact for your policies.
Does using a broker cost more?
Not necessarily. Brokers are usually paid a commission by the insurer, and some services carry a broker fee. We'll tell you how we're paid before you commit.
Can you review my existing business insurance?
Yes. Send us your current policy schedules and we'll check your sums insured, limits and covers against your business and let you know if anything looks out of date or missing.
Do I need to visit your office?
No. We work entirely by phone and email, so there's no office to visit. You can get advice, cover and claims help without leaving your business.
Do you only work with Melbourne businesses?
No. We're based in Melbourne, but we work with businesses Australia-wide, in every state and territory.
Can you help with a claim on a policy you didn't arrange?
If you move your insurance to us, we'll manage claims on policies we arrange. For an existing claim with another broker or insurer, contact them first, but we're happy to discuss your options.
General advice warning: General advice only. This information is general in nature and doesn't take into account your objectives, financial situation or needs. Before deciding to buy or continue to hold any insurance product, consider whether it's right for you and read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD), available from us or the insurer. Cover is subject to the terms, conditions, limits and exclusions of the policy.
M & M Insurance Services Pty Ltd ABN 54 664 837 138 is an Authorised Representative of Ausure Pty Ltd ABN 94 096 971 854 | AFSL 238433.
Find out more
Every business is different - which means you need an insurance solution that is tailored for you. For more information, contact us today.