Insurance is a promise. We make sure it's not broken.
When you buy insurance, you buy a promise. And anyone can sell you a cheap policy. But if it has a gap you didn't spot, you're the one footing a six or even seven figure bill: the shortfall on the rebuild, or the months of lost income while it happens.
That's the risk we take off your plate. We read every word of your policy, find the gaps, and make sure it actually pays when something goes wrong.
For commercial building and property owners across Queensland. Run a business from rented premises? Start here instead.
The insurer doesn't work for you. We do.
Call an insurer directly and they don't have to act in your best interests. Acting in yours is our entire job. Here's the team on what that means, in about a minute.
You don't trust insurance. You're not wrong.
Imagine any other business worked like this. You walk in, describe exactly what you need, pay in full, and only find out at the worst moment of your life whether you actually got it. Any shop that operated that way would be torn apart in the local Facebook group within a week. In insurance, it's Tuesday.
When you buy without personal advice, you are buying a product and may need to identify and test the gaps yourself. That's the uneasy feeling you've had about insurance your whole life, and it's the entire reason brokers exist.
Our job as commercial insurance brokers in Brisbane and Bundaberg is to investigate, advise and document what we checked.
Buy direct, and the gaps are yours to catch. Come to us, and they're ours.
We investigate, advise and document what we checked, so finding the gaps is no longer left to you.
Go direct to an insurer and you are buying a product off a shelf. You tell them what you want, they take your money, and if you did not read every exclusion, you find out at claim time, when it is too late to do anything about it. A broker works the other way around. You are not buying a product first. You are getting a professional whose job is to understand your situation and find cover that is built for it and that actually pays. The responsibility shifts off you and onto us. That is the entire reason to use one.
Sometimes the honest answer is: stay where you are.
Here is something no comparison site will tell you. When we review a business's insurance, a lot of the time the cover they already have is roughly right, and we say so. We are not here to churn you onto something new to bank a commission. We are here to check the things that actually hurt at claim time: whether your sum insured would really rebuild your building, whether your policy wording pays what you think it pays, and whether there is a gap with your name on it. If you're in the right place, you'll know. If you're not, you'll know exactly why, and what to do about it.
We start by finding out what you're actually afraid of losing.
Most people have a story. A fire, a flood, a claim that got knocked back, something that happened to a mate or someone in the family. That story is the whole point. Once we understand what you genuinely need your insurance to do when things go wrong, we can give you real advice and find a policy that does exactly that. Not the cheapest. Not the flashiest. The one that actually protects the thing you cannot afford to lose.
The checks most renewals skip
The number your whole policy rests on
We commission a desktop building replacement valuation at no cost to you, so your sum insured is a valuer's figure, not a guess that drifted out of date.
Read moreThe part of a building we see argued about most at claim time
We run more than 1,200 roof condition checks a year from aerial imagery, and tell you what we find before your insurer finds it.
Read moreWhether you should even be using a broker
Honest answer: it depends on who is checking your cover. Here is the difference, in plain English.
Read moreCheck it yourself, in about two minutes
No form-filling, no waiting for a call. Three free checks that show you what a broker looks at.
Is your building underinsured?
Five questions, and a plain read on whether your rebuild figure is the kind that gets argued about at claim time.
Start the checkHow is your roof holding up?
Your address, four questions, and the same warning signs an insurer's assessor looks for.
Start the checkWhat cover does a business like yours usually carry?
A few quick questions about how your business runs, and a plain-English checklist of what typically applies, and why.
Start the checkWho we help
Insurance built around who you are, not just what you are buying.
Commercial building owners
You own the building. We make sure the number it is insured for would actually rebuild it.
See what matters for youCommercial property owners
Landlords with tenants, rent and a lease that decides who covers what.
See what matters for youBusiness owner tenants
You run your business from someone else's building. Your lease says more about your insurance than you think.
See what matters for youBusiness owner-occupiers
You own the building and run the business inside it, often in two different names. That detail matters more than any premium.
See what matters for youWhy people trust our insurance brokers with it
Consolidated Insurance Brokers, CIB to our clients, is a Queensland commercial insurance brokerage with offices in New Farm (Brisbane) and Bundaberg.
- Excellence Awardee - Large Brokerage of the Year, Insurance Business Australia Awards 2026: one of the top three large brokerages of the year. That assessment came from outside this business, so you are not relying on our own account of how we work.
- Named in Insurance Business Australia's Top Brokerages list in 2022 and 2023. Two separate years, so what you are looking at is not a single good year.
- We disclose our commission, in dollars, on every invoice, and have since we opened in 2010. You know exactly what we are paid, rather than wondering.
- Members of NIBA, CQIB and Steadfast. The standards those memberships carry are set outside this business, so they are not ours to relax when it suits us.
Get certainty, not just a policy.
One conversation and you will understand your cover better than you ever have. No jargon, no sales pitch. Just a broker who will tell you straight what you are covered for, what you are not, and what to do about it. Send us a new enquiry and we will get back to you within 90 minutes during business hours, 8am to 6pm Monday to Friday.
Call now, most enquiries are settled in one conversation - or leave your details and we'll ring within 90 minutes on a new enquiry (8am–6pm Mon–Fri).
The information on this page is general in nature and does not take into account your objectives, financial situation or needs. Before acting on it, consider whether it is appropriate for your circumstances. Where the information relates to a particular insurance product, consider the relevant Product Disclosure Statement before making a decision.