The Majority of Businesses Rely on Insurance Advisers to Help Manage Key Financial Risks

• Adroit Insurance and Risk
• - August 13, 2025

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The majority of business owners in Australia depend on insurance advisers in assisting to keep insurance costs down and manage key financial risks.

What basic services do insurance advisers offer?

• provide insurance cover options and risk advice to clients;

• obtain quotations from specialist insurers on behalf of clients;

• Advise on options available, including sums insured, excesses and pricing;

• manage the placement of the agreed insurance cover(s) and sums insured to cover the key risks, while meeting premium budgets; and

• assist clients’ claims as needed.

Key benefits

All insurance advisers are licenced professionals; some may specialise in industries such as IT, manufacturing, Clubs or construction.

It’s the insurance advisers’ job to know which insurers specialise in their client’s industry or occupation, whether it’s an IT consultants’ professional indemnity or shopping centre cleaners. Knowing the most competitive insurers with the best cover saves time and effort for clients.

Another key benefit is the ability to tailor the insurance cover to ensure that key risks are insured and any exclusions discussed and understood, or extra insurance arranged, if needed.

Specialist insurance advice

Clients with more complex risk management needs may require significantly more from their insurance adviser, including:

• Advice on insurance clauses and implications of contracts;

• Customisation of insurance policies to meet the client’s specific requirements;

• Review of existing programs placed with other broking organisations;

• Due diligence audits, litigation management and advice on contractual liabilities;

• Risk surveys, analysis, management and advice; and

• Specialist claims advice and management;

Additional Services

• Risk management consultants;

• Workplace health and safety (WHS) consultants;

• Legal advisers;

• Property valuers;

• Surveyors; and

• Technical consultants, such as business interruption specialists.

Clients look to insurance advisers  and their professional advisers for expert advice about the best insurance and risk protection available at the most economic (not necessarily the cheapest) price.

Talk to your an Adroit Risk Adviser about your business and needs.