Frequently Asked Questions

A Risk Adviser works for you, not the insurer. Unlike buying direct, your Risk Adviser accesses a broad panel of insurers to find coverage that genuinely matches your circumstances, then advocates on your behalf when you need to make a claim. Our Risk Advisers combine local knowledge across Victoria, New South Wales and Queensland with access to a wide range of insurers — so you get the right cover, explained in plain language, by someone who understands your community.

Adroit was founded in 1978 as a small broking business born in Geelong. Four decades later we’re around 130 locals across six branches in Victoria, New South Wales and Queensland, serving approximately 20,000 clients. We’re more than your Risk Adviser — we’re your partner and your advocate. Our team understands the risks specific to the communities and industries we serve, and stands beside you when it matters most.

In most cases there is no direct cost to you for working with a Risk Adviser. Risk Advisers are typically remunerated through the insurance market rather than charging clients a separate fee. The specifics can vary depending on the type of cover and your situation. Contact us and we’ll explain exactly how it works for your needs.

When you go direct, you’re limited to one insurer’s products and you’re on your own at claim time. Your Risk Adviser accesses a broad panel of insurers to compare coverage and price, tailors your policy to your actual risk profile, and acts as your advocate if a claim is disputed. For businesses and individuals with complex needs, this independent representation consistently delivers better outcomes than a direct online purchase.

You can lodge a claim online at any time using our Make a Claim form, call 1300 MY ADROIT during business hours (Monday to Friday, 9am–5pm AEST), or email claims@adroit.com.au. A named Claims Specialist will manage your file from lodgement to settlement. For urgent help after hours, call Claims Manager Sherri Peters on 0438 363 207. Visit our Claims page for the latest information.

Your first priority is safety — ensure everyone is out of danger and contact emergency services where necessary. Document the incident, avoid admitting fault, and notify the Adroit Claims team as soon as possible. If urgent repairs cannot wait, use the trusted emergency repair contacts on our Claims page, then let us know so we can manage the insurer. You can lodge online, call 1300 MY ADROIT, or email claims@adroit.com.au.

Almost every business that interacts with customers, suppliers, or the public should have Public & Product Liability insurance. It covers your legal liability for bodily injury or property damage caused to third parties as a result of your business activities or your products. Many commercial leases and government contracts require it as a condition of doing business. Talk to Adroit about the right level of cover for your size and industry.

Yes — our Risk Advisers regularly arrange a tailored combination of covers to protect your business comprehensively. Depending on your industry and risk profile, this might include Public & Product Liability, Professional Indemnity, Business Interruption, Commercial Motor Vehicle, Cyber Protection and more. Rather than a one-size-fits-all package, we work with you to select the specific covers you need and place them with the most appropriate insurers. Request a quote to get started.

Insurance requirements vary significantly by industry. Adroit has specialist experience across six industry groups: Retail, Trades, Manufacturing, Agriculture & Viticulture, Professional Services, and Specialist Industries. Each comes with its own risk profile — from tools and stock to professional indemnity and crop cover. Visit our industry pages to explore the covers relevant to your sector, or speak with a Risk Adviser for a tailored assessment.

For personal insurance, your Risk Adviser works for you — not the insurer. We arrange cover across four main areas: Home & Contents, Residential Strata, Car, Boat & Caravan, and Travel insurance. Each policy is tailored to your situation and placed with insurers from our broad panel. Learn more about personal insurance.

If you’re looking for Life & Income protection, Adroit also offers Life & Income Insurance — a separate specialist service for those important longer-term covers.

Contact your Risk Adviser directly — by phone, email, or by visiting your nearest branch. It’s important to keep your details current: changes to your home, vehicle, business activities, or personal circumstances can affect your coverage. Your Risk Adviser will review your policy and arrange any necessary endorsements or renewals to make sure you remain properly protected.