Insurance: Protection for Life’s Uncertainties
and Peace of Mind


Key Concept Wealth & Insurance Pty Ltd is a Corporate Authorised Representative of Insurance Advisernet Australia Pty Ltd.

Personal and Commercial Insurance coverage provides essential protection against various risks. Personal insurance safeguards individuals and businesses from property damage, liability, theft, and income loss. Commercial insurance specifically address risks related to business operations.

General Insurance

Personal Insurance

Personal insurance offers protection against various risks like property damage, liability, motor and theft. Having suitable coverage is crucial to safeguard yourself and your assets from unforeseen events that can have substantial financial consequences.

Commercial Business Insurance

Commercial Insurance

We assess risks, customise coverage to protect your business assets, and provide security. Our comprehensive package includes building, contents, theft, stock, machinery, electronics, business interruption, motor fleet, goods in transit, and public liability insurance.

Commercial Business Insurance

Commercial Business Insurance

Key Concept offers customised commercial business insurance solutions to protect your assets and provide peace of mind in today’s challenging business landscape. Our expert team conducts thorough risk assessments to identify vulnerabilities unique to your business. We design a comprehensive coverage package, including building, contents, theft, stock, machinery, electronics, business interruption, motor fleet, goods in transit, and public liability insurance.

Our coverage safeguards your physical property, valuable assets, inventory, equipment, and provides financial protection during disruptions. With Key Concept, you receive exceptional service tailored to your specific needs. Focus on running your business confidently, knowing your assets are protected and your financial interests are secure. We prioritise comprehensive coverage and are committed to meeting your insurance needs effectively.

Trust Key Concept for reliable commercial business insurance, allowing you to concentrate on growing your business with the assurance that potential risks are mitigated.

General Insurance
General Insurance

Personal Insurance

At Key Concept, we understand the importance of personal insurance in safeguarding individuals against a wide range of risks. Our comprehensive coverage provides protection against property damage, liability and theft, among other potential perils.

Property damage coverage ensures that your assets, including buildings and contents, are protected in the event of fire, natural disasters, or other unforeseen events. Liability coverage shields you from potential legal and financial liabilities arising from accidents or injuries that occur on your property or as a result of your actions.

At Key Concept, we believe in tailoring our coverage to meet your specific needs. We work closely with you to assess your risks and design a comprehensive insurance package that provides adequate protection and peace of mind.

By choosing Key Concept for your personal insurance needs, you can rest assured that you have a reliable partner dedicated to safeguarding your interests. Our experienced team is committed to providing prompt claims assistance and exceptional customer service, ensuring that you receive the support you need during challenging times.

Protecting yourself and your assets from unforeseen events is essential. With Key Concept’s personal insurance coverage, you can have confidence knowing that you are prepared for the unexpected and that your financial well-being is protected.


Frequently Asked Questions

What are the benefits of using an insurance broker?

Using an insurance broker offers several advantages:

Expertise: Insurance brokers have in-depth knowledge of the insurance market and can provide guidance and advice tailored to your needs.

Choice: Brokers have access to multiple insurance providers, allowing them to offer a range of options to choose from.

Customisation: Brokers can help tailor insurance policies to match your specific requirements, ensuring you get the coverage you need.

Cost & time savings: Brokers can help negotiate competitive premiums and discounts on your behalf.

Claims assistance: Brokers can assist you with the claims process, advocating for you and helping expedite the settlement.

Why is business insurance important?

It helps protect a company’s assets, finances, and reputation. It provides coverage against potential losses or damages caused by accidents, natural disasters, lawsuits, employee injuries, and other risks. Having adequate insurance can help a business recover and continue its operations in the event of an unforeseen incident.

What types of business insurance products are available?

There are several types of business insurance policies available, including:

General Liability: Covers third-party bodily injury, property damage, and related legal costs.

Property Insurance: Protects your business property, such as buildings, equipment, inventory, and assets, against damage or loss.

Business Interruption: Provides coverage for lost income and operating expenses when a covered event disrupts business operations.

Professional Indemnity: Protects professionals (e.g., doctors, lawyers, consultants) against claims of negligence or errors in their professional services.

Workers’ Compensation: Covers medical expenses and lost wages for employees injured on the job.

Commercial Auto Insurance: Provides coverage for vehicles used in business operations.

Cyber Liability: Protects against losses caused by cyber-attacks, data breaches, and other cyber risks.

Management Liability: Provides coverage for the personal liability of company directors and officers.

Employment Practices Liability Insurance: Protects against claims related to employment practices, such as discrimination or wrongful termination.

How much business insurance coverage do I need?

The amount of coverage needed depends on various factors, including the size of your business, industry, location, assets, revenue, and risks involved. It’s important to assess your specific business needs and consult with an insurance professional who can help determine the appropriate coverage limits for your situation.

How are business insurance premiums calculated?

Business insurance premiums are calculated based on several factors, including: 
* Type of business and industry
* Size of the business
* Revenue and payroll
* Location and property value
* Claims history
* Coverage limits and deductibles
* Risk factors specific to the business

Do I need business insurance if I work from home?

Working from home does not necessarily exempt you from needing business insurance. While your homeowners or renters insurance may provide some coverage for limited business equipment, it may not be sufficient to protect your business adequately. It’s important to discuss your specific situation with an insurance professional to determine if additional coverage is necessary.

What should I do if I need to file a claim?

If you need to file a claim, promptly contact your insurance broker. They will guide you through the claims process, provide the necessary forms, and help you gather any required documentation. Be prepared to provide detailed information about the incident or loss and cooperate fully with the insurer throughout the process.

Can I make changes to my business insurance policy?

Yes, you can make changes to your business insurance policy as needed. If you have new assets, hire employees, change locations, or make other significant changes to your business, it’s important to notify your insurance provider or broker. They can assist you in updating your policy.