Frequently Asked Questions

An insurance broker works for you, not the insurer. Unlike buying direct, a broker 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. Adroit’s advisers bring local knowledge of regional Victoria alongside access to a wide range of insurers — so you get the right cover, explained in plain language, by someone in your community.

Adroit was founded in 1978 as a small broking business born in Geelong. Four decades later we’re around 130 locals across 5 branches in regional Victoria, serving approximately 20,000 clients. We’re more than your insurance risk adviser — we’re your partner and your advocate. Our team are locals in your community who understand the risks specific to regional Victoria, and who stand beside you when it matters most.

In most cases there is no direct cost to you for using Adroit as your broker. Brokers 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. Adroit 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.

The fastest way is to use the online Make a Claim form — choose Personal or Business, then select Property or Motor. One of our claims team will get back to you promptly to guide you through the process. You can also call us on 1300 My Adroit (1300 692 376) during business hours. Your Adroit adviser remains your point of contact throughout the claim.

Your first priority is safety — ensure everyone is out of danger and, where necessary, contact emergency services. Then:

• If the incident involves theft or malicious damage, report it to the police and obtain a police event number.
• Document the scene with photos and collect contact details for any witnesses or third parties involved.
• Do not admit fault or authorise repairs until you’ve spoken with your insurer.
• Notify Adroit as soon as possible — early notification helps us support you through the claims process quickly.

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 — Adroit’s 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 an Adroit adviser for a tailored assessment.

As a personal insurance broker, Adroit 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 Adroit 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 adviser will review your policy and arrange any necessary endorsements or renewals to make sure you remain properly protected.