May Lewong at the Emerald office was amazing. Easy to deal with and was quick and efficient.
You already have insurance. The question worth asking is whether anyone has actually checked it lately.
A business insurance review from Consolidated Insurance Brokers costs you nothing and takes less time than reading your last renewal letter properly.
Google reviews, word for word
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Reena was absolutely fantastic during the entire process helping me set you our new home and contents insurance. Would definitely recommend to anyone.
Natasha as always, gives us professional, exceptional service and would recommend her to any business :-)
We had excellent service in obtaining insurance on a newly purchased commercial property. Clayton Rowlings explained everything so clearly and very patient with many questions regarding different options. Highly recommended! Thanks Clayton.
Tracey helped me sort out professional indemnity and public liability insurance for my new business - she was super helpful throughout the process helping me navigate for the first time.
Deja Coffey is our current Insurance broker for our company. Deja has Absolutely outstanding customer service and I highly recommend going with her for all your insurance needs.
Terrific experience with Gina. I had a difficult policy which other brokers couldn't find a solution for. Gina had an option for me within a few hours. I would highly recommend.
Thank you so much Cyndie for your help/advice/service. You made the whole process so easy. Thank you again. Jason Armstrong
Alison was a life-saver for us, staying after hours to make sure that we could get the building insurance coverage we urgently needed for a property purchase.
Debbie was always happy to help with my questions and very prompt with her service.
Hi I can highly recommend Aimee Spencer for all your insurance needs she has done a fantastic effort on keeping my insurance policy once again Many Thanks for all your work
Saskia Van Oostveen was efficient, professional, accurate, helpful and friendly throughout the entire process. Highly recommend!
A great experience with Tori, attaining some tricky commercial insurance, she was very professional in catering to your needs, whilst also having a quick turn around.
Jade was wonderful, finding me insurance coverage for a commercial property. Greatly appreciated her excellent service.
I contacted Tracey E from Consolidated Insurance Brokers for some commercial property quotes. Tracey was super helpful helpful, friendly and provided great advice. Highly recommend for all your insurance needs!
Thanks for your assistance Dylan with car insurance inquiry you have been really helpful and professional.
Shona was always available and answered all my queriers. A1 service and happy to recommend.
I contacted Renay after she was recommended by a family friend, for home and contents insurance. She was prompt and helpful and had me all sorted in a couple of days. Highly recommend!
I needed fast transit insurance this week and Daniel Roussounis was outstanding in his immediate response and getting this organized for me. Can't recommend Daniel and Consolidated Insurance Brokers highly enough!
Second year organising insurance with Jim K., did not have any issues and a smooth transition. I recommend
Most business owners find out what their policy actually does at the worst possible moment: when something has already gone wrong. A renewal notice with a bigger number and no explanation, a building you bought years ago that's never been looked at again, a policy that was right for the business you had, not the one you run now, none of these turn up as a problem until a claim tests them. A review turns that around. We check your sum insured against a genuine rebuild figure, read the actual wording instead of assuming it says what you think it says, and tell you plainly what we find. If it's already right, we say so. If it isn't, you'll know exactly what to fix and why, with no pressure to move anything on the spot.
What actually happens in a business insurance review?
Quick answer
A review is five things: you tell us what you've got, we check it against reality, we explain what we found in plain English, we show you real options if there's a gap, and nothing gets decided under pressure. Most of what we ask for takes about fifteen minutes of your time.
- Tell us what you've got. Send through your current policy schedule or certificate of currency, or just answer a few quick questions about the building or business if you don't have it handy.
- Your number gets checked. For a commercial building, that means commissioning a desktop building replacement valuation, at no cost to you, rather than relying on a guess or a figure that was set years ago (see desktop building replacement valuation). We also run an aerial roof check using the same imagery we use for every client (see roof condition monitoring).
- Your wording gets checked. Not just the sum insured, the actual policy document: whose name it's in, what the indemnity period covers, and whether the sections you'd assume are automatic (loss of rent, landlord liability, flood) are actually included.
- You hear what we found, in plain English. If your current cover is already doing its job, that's exactly what we say (see below). If there's a gap, we explain what it is and why it matters at claim time, not just at renewal time.
- If something needs fixing, you get real options, not a single number. And you're never asked to decide on the spot. Where it makes sense to take your cover back to the market, that can mean up to nine insurers competing for your risk through the Steadfast Client Trading Platform's business pack panel, plus a CGU padlock quote where CGU is genuinely competitive, not just whichever insurer happened to write last year's policy.
What a review keeps turning up
Four things come up again and again, and none of them are about which insurer you're with.
A sum insured nobody has tested. Around 1 in 10 small-to-medium businesses think they're underinsured, but when the number is actually measured, the average gap is closer to 24%, rising to 31% for industrial property (ICA/Woolcott 2015; Vero SME Insurance Index 2025; MCG Quantity Surveyors). The gap between what you assume and what's real is exactly what a review is for. Full explanation: what underinsurance actually costs you.
The wrong legal entity on the policy. A building held in a trust or a company gets insured in a director's personal name, or a tenant pays the premium and the policy ends up in their name instead of the owner's. Full explanation: whose name should the policy be in?.
A lease and a policy that don't match. Who insures what, and who's supposed to pay for it, is written in your lease before it's written in any policy. Full explanation: who pays for building insurance on a commercial property? and, if you're a landlord relying on someone else's cover to protect you, why you need separate property owners liability cover.
Loss of rent set too short. A rebuild that takes longer than the indemnity period leaves you covered for the accident but not for the actual recovery. Full explanation: does commercial property insurance cover loss of rental income?.
What if the review says you're already covered properly?
Then that's what we tell you. A review isn't a sales process in disguise, it's a genuine check, and a genuine check sometimes comes back clean. We don't get paid to find a problem that isn't there, and moving your policy for the sake of moving it isn't a service, it's churn. If your current cover, wherever it's placed, is actually doing its job, you'll hear that plainly, with no follow-up pitch. Read more about why we work this way.
The number every review is built on
Every commercial building review includes a desktop building replacement valuation. We commission it at no cost to you, using iValuateProperty (reports prepared by Robertson & Robertson), so the figure on your policy comes from a registered valuer's desktop assessment, not a guess or an index that's drifted from reality over a few years of rising construction costs. The desktop valuation is commissioned for our purposes as your broker, to inform the advice we give you. See desktop building replacement valuation for how the process works and what the report contains.
You'll always know what we're paid
Every invoice we send shows our commission, in dollars, to every client, retail or wholesale. We've done it that way since we opened in 2010, because a recommendation you can't check the cost of isn't really advice. As far as we know, few brokerages in Australia do it as standard.
Short answers
Does a business insurance review cost anything?
No. Consolidated Insurance Brokers checks your current business insurance with no fee for the review itself and no obligation to move your policy anywhere afterwards. If we find your cover is already right, we tell you that and the conversation ends there. Either way, you come away knowing where your cover stands.
Do I have to switch insurers or brokers to get a review?
No. Consolidated Insurance Brokers reviews your business insurance whether you're currently with us, with another broker, or insured directly with an insurer. What we check doesn't depend on who arranged your current policy. You can ask for a review without switching anything first.
Will you pressure me to change my cover?
No. If Consolidated Insurance Brokers finds a genuine gap in your cover, we'll show it to you and explain the options. The decision and the timing are yours. You can take the findings away, think them over and act when it suits your business. See the honest-answer promise above.