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Bespoke Insurance Group

Risk rarely arrives one piece at a time.

Bespoke Insurance GroupSydney · Est. 2017

Insurance,made to measure.

A Sydney brokerage that takes the measure of your business, arranges cover that fits it, and stands beside you when you claim.

Speak to a brokerExplore cover

FIG. 04Manifesto

Protection,
precisely considered.

Every business carries its risk differently. A builder carries it on site. A consultant carries it in a contract. A company carries it in its systems and its people. We take the time to understand exactly how yours does, and arrange protection around it.

Because personalised service matters.

FIG. 04bLevel 33, Australia Square · Sydney

Sydney brokers.Personal service.

Established

2017

Line answered

24/7

Claims

In-house

FIG. 05The exposure plan

Risk has a shape.See yours.

Different businesses concentrate risk in different places. Pick a profile, then open an exposure to see what can go wrong and the cover brokers usually discuss for it.

Step 1 · Choose a business profile
Exposure plan for a builder or trade. Highest emphasis: People, Plant & vehicles, Contracts & projects.PEOPLEPROPERTYPLANT & VEHICLESINCOMECONTRACTS & PROJECTSADVICE & DESIGNDATA & SYSTEMSGOVERNANCEYOUR BUSINESS
Step 2 · Open an exposure

Exposure

Contracts & projects

What have you promised in writing?

What it can look like

  • A head contract requires a $20 million liability limit
  • Works in progress are damaged before handover
  • A lease makes you responsible for glass

Cover commonly discussed

Illustrative only. Emphasis reflects common patterns for the profile, not an assessment of your business, and does not mean cover is available or suitable for you.

FIG. 06Method

How we takethe measure.

  1. 01

    Listen

    We start with how your business actually operates, not with a form.

    The work you do, where you do it, the contracts you sign and the people and equipment you rely on. A dedicated broker gets to know the business before anything is placed.

  2. 02

    Measure

    We build the strongest possible case before approaching insurers.

    A well-presented risk gives insurers less reason to load the price or narrow the terms. We assemble the detail, then use our insurer relationships to negotiate.

  3. 03

    Structure

    We recommend a program of cover and walk you through every policy.

    Limits, excesses, exclusions and conditions explained plainly, so you know what you have and what you do not. No surprises discovered at claim time.

  4. 04

    Stand beside

    When something goes wrong, our in-house claims team works with the insurer for you.

    So you can keep running the business while the claim is handled. And every year, or whenever the business changes, we review the structure again.

FIG. 07Schedule of cover

19 classes of cover.One conversation.

From the liability that follows a tradesperson onto site to the directors’ cover a board relies on. Start with a class, or let us work out which ones matter.

See the full schedule
A

Construction

For builders, trades and project owners carrying risk on site, in the yard and on the move.

B

Business

For the premises, stock, equipment and income an operating business depends on.

C

Professional & management

For the advice you give, the decisions you make and the data you hold.

D

Specialist

For fleets, vessels, goods in transit, strata buildings and the people you employ.

FIG. 07bIndustries

Different work.Different weight.

All industries

FIG. 08Claims advocacy

When somethinggoes wrong,call us first.

Claims assistance1300 513 652
FIG. 08bWhen it is tested

  1. 01

    A person answers

    Our brokers and claims staff can be reached around the clock, with a dedicated arrangement so someone always picks up.

  2. 02

    We work with the insurer

    Our in-house claims team handles the insurer on your behalf, keeps you informed, and pursues your full entitlement without avoidable delay.

  3. 03

    You keep running the business

    While the claim is handled, you can focus on getting back to normal.

FIG. 09Insurance Health Check

An honest read of whereyour cover may be thin.

Six areas, a few questions each, around five minutes. You get a discussion summary to keep, and the areas worth raising with a broker. It is not a risk assessment and it is not advice.

Start the Health Check

FIG. 10The people

A dedicated broker.A team behind them.

FIG. 11Field notes

Notes from the field.

All insights

FIG. 12Moving forward

Start whereyou are.