need a broker

Yes. After selecting your location, you can filter results based on:

• Personal or business insurance
• Type of business
• Specific insurance needs

By selecting these options, it will help match you with the most suitable broker.

Try expanding your search radius to nearby suburbs or regions. Many brokers work nationally or remotely and can assist you even if they are not nearby.

Insurance brokers work on your behalf, not on behalf of insurers. They:

• Help identify the right type of insurance for your situation
• Source and compare policy options from different insurers
• Explain the cover, exclusions and costs
• Provide support at renewal and assist with claims if needed

Each broker listing includes:

• Location and contact details
• Phone and email options
• A link to their website

Feel free to contact them directly to discuss your needs. Let them know you found them via needabroker.com.au.

Sharing clear information helps the broker understand your needs and respond efficiently. Include:

• Full name and mobile number
• City and state
• A brief description of what you need insurance for
• Whether an insurer has declined, cancelled or refused to renew your cover
• Any relevant details about your business or situation

If you’ve had insurance declined, cancelled or refused at renewal, it may limit the options available. Please provide as much detail as possible so the broker can assess what’s possible and explore alternate insurance markets if needed.

Some brokers may charge a fee depending on the nature or complexity of your insurance needs. Your broker will always explain any fees before moving forward.

Most brokers respond within a few business days. If your enquiry is urgent or time-sensitive, it can help to call the broker directly.

In some situations, insurance may be harder to obtain, for example:

• High-risk industries or activities
• Multiple or complex past claims
• Certain types of building risks (e.g. location, age or condition)
• If your insurance was previously declined or cancelled

A broker will let you know if mainstream insurers are unable to offer cover and may look into alternative options. If suitable cover still cannot be found, the broker will explain why and may advise steps you can take to improve insurability in the future (such as risk management measures or further documentation).

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