An insurance broker can help you navigate these considerations by providing information, facilitating access to insurers, and supporting you through key stages of your insurance journey.
What does an insurance broker do?
Insurance brokers work with clients to understand their circumstances and facilitate the arrangement of insurance solutions through insurers. Beyond placing a policy, their role often includes ongoing engagement across the life of the insurance arrangement, including policy reviews as circumstances change, renewal support and assistance during the claims process.
Before insurance is arranged
Insurance brokers may be of assistance by:
- Taking the time to understand how your business operates, the business assets you rely on, and your circumstances
- Discussing potential risks and exposures that may be relevant to your activities, industry or operating environment
- Explaining available insurance options, policy features and key considerations in clear, practical terms
- Assisting with the placement of more complex or hard-to-place risks by accessing a broad range of insurers and insurance markets, including specialist and niche providers
- Helping identify areas where further clarification, review or discussion may be appropriate before cover is arranged
This approach supports you to make informed decisions by helping you to better understand your insurance options and how they may respond in different situations.
After insurance is in place
Ongoing support is often a key part of the broker relationship and may include:
- Assisting with regular policy reviews as business operations, assets or circumstances change
- Supporting renewal discussions by providing insight into market conditions, insurer appetite and available options
- Helping coordinate and manage the claims process with insurers, including assisting with documentation and communication
- Providing general information on policy changes, insurer requirements and emerging considerations that may affect cover
Without ongoing review, insurance arrangements may not always keep pace with changing risks or business conditions.
The Aviso Group approach
Aviso Group is a national partnership of insurance brokerages operating across Australia, supporting individuals and businesses across metropolitan, regional and specialist markets. United by a shared commitment to client service, technical capability and long-term relationships.
When engaging with an Aviso Group broker, clients benefit from:
- Local brokers with deep understanding of their community, industry and operating environment
- Access to a broad range of insurers, underwriting agencies and insurance markets
- Group-wide technical expertise, specialist resources and industry insight drawn from across the network
- Support for a wide range of personal, business and industry-specific risks, including more complex or specialised exposures
Each Aviso Group brokerage operates under its own Australian Financial Services Licence (AFSL), delivering personalised service at a local level while being supported by the collective strength, capability and infrastructure of the group.
Is working with a broker right for you?
Engaging an insurance broker may be relevant if you:
- Want support navigating insurance options, terminology and policy considerations
- Have personal or business risks that require thoughtful assessment or are more complex in nature
- Value ongoing support through renewals, policy changes and the claims process
- Prefer working with a local broker supported by broader market access and national capability
Insurance needs vary, and a conversation with a qualified broker can help you better understand available options and considerations relevant to your circumstances.
Find a broker near you
Searching for the right insurance coverage? Our national broker network is ready to assist.
What is an insurance broker?
An insurance broker assists clients with arranging insurance through insurers. Brokers are typically qualified professionals who help explain policy options, facilitate access to a range of insurance markets and provide ongoing support, including through renewals and the claims process.
Aviso Group brokers operate locally across Australia and are supported by the collective knowledge, technical resources and industry insight of the national Aviso Group network.
Do insurance brokers provide advice?
Insurance brokers may provide general insurance information and assistance to help clients understand available options. Personal advice may be provided where a broker is authorised under their businesses Australian Financial Services Licence (AFSL) to do so, and has considered the client’s individual objectives, financial situation and needs.
Whether personal advice is provided will depend on the broker, the nature of the engagement and the information available at the time.
Is there a cost to use an insurance broker?
Insurance brokers are typically remunerated by insurers through commission, fees, or a combination of both. Remuneration arrangements are disclosed before insurance is arranged.
Can a broker help with claims?
Through the Aviso Group network, brokers often assist clients during the claims process by helping coordinate information, facilitating communication with insurers and supporting clients throughout each stage of a claim. This support can help clients understand the process, timeframes and information requirements.
Claims outcomes remain subject to the terms, conditions, limits and exclusions of the policy and the insurer’s assessment.
Are all Aviso Group brokers the same?
Aviso Group is a national partnership of locally operated brokerages. Each brokerage operates independently under its own AFSL and provides services tailored to its clients, supported by shared group resources.
Important Information
General information only. Insurance products are subject to the terms, conditions, limits and exclusions of the relevant policy. Aviso Group brokerages each hold their own Australian Financial Services Licence. Aviso Group itself does not hold an Australian Financial Services Licence and does not provide financial product advice. All content on this website is factual information only and does not take into account your personal objectives, needs and financial circumstances. You should obtain and consider the relevant product disclosure statement, policy wording and Financial Services Guide from an Aviso Group Broker, before making any decision to purchase insurance.