We decided to get a quote from Consolidated Insurance Brokers after our current policy went up over $2000 for no reason. Gina was very knowledgeable and helpful, responding right away and saving us almost $2000 for more cover. Communication was very fast and we had our documents the same day. We can highly recommend them.
Gina De Bonis
Account Manager, Consolidated Insurance Brokers
Commercial and Business Insurance Specialist | Diploma of Financial Services (Insurance Broking) | Senior Associate ANZIIF (CIP) | QPIB
Gina De Bonis is an Account Manager at Consolidated Insurance Brokers. She works with business owners and commercial property owners to understand the risks they carry and arrange insurance that suits their circumstances.
Based in Sydney, Gina has more than 30 years of experience across the insurance industry, covering broking, underwriting, distribution, operations, compliance, portfolio management and client relationships. She joined Consolidated Insurance Brokers in 2023.
Having worked in both broker and insurer environments, Gina understands insurance from both directions: how business owners and property owners experience risk, and how insurers assess and respond to it.
Her areas of experience include commercial insurance, commercial property insurance, business insurance, risk management advice, and policy and coverage reviews for Australian business owners and property owners.
Gina's Approach to Insurance
Gina believes good insurance advice starts with understanding the client, not with an insurance product. Her first job is to understand a business, the assets behind it and the exposures it carries.
From there she reviews the insurance already in place and helps the owner understand the protection it actually gives them. She puts particular weight on practical advice, plain communication and relationships that last beyond one renewal.
Premium matters, but Gina encourages clients to look past it: to understand what the policy really covers, and whether that cover still reflects the risks the business faces today.
What More Than 30 Years in Insurance Has Taught Gina
The most common problem Gina has seen across her career is a simple one. Clients concentrate hard on the price of insurance and give far less attention to the cover they are buying.
Small differences in policy wording, exclusions, limits and conditions can change the outcome dramatically once a claim happens.
That is why Gina encourages clients to review their insurance regularly, keep sums insured accurate, and understand the exclusions and limits that matter before they ever need to rely on the policy.
Working on the insurer side as well as the broker side taught her something else: how a risk is presented to insurers makes a real difference, and the right answer balances protection, value and what the business practically needs.
Working With Gina
Gina works with clients through the whole insurance process: understanding the risks they carry, reviewing the cover they already have, arranging insurance, advising on it, handling renewals, and staying available when something changes.
Her aim is a long-term relationship rather than a yearly transaction, so the insurance can move as the business, its assets and its risks move.
Experience & Qualifications
- More than 30 years of experience in the insurance industry
- Account Manager at Consolidated Insurance Brokers since 2023
- Experience across insurance broking, underwriting, distribution and operations
- Experience in compliance, portfolio management and leadership roles
- Has worked in both broker and insurer environments
- Advises business owners and commercial property owners on insurance and risk
- Career across previous insurers and brokerages
- Diploma of Financial Services (Insurance Broking)
- Senior Associate ANZIIF (CIP)
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.
Articles Written & Reviewed by Gina
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23 Google reviews naming Gina
Averaging 5.0 stars, shown as written, newest first.
After years of handling exhausting insurance administration on my own, I finally sought the assistance of an experienced insurance brokerage firm. Gina De Bonis of CIB was the perfect mix of expert professionalism and human warmth; being efficient, informative and a delight to deal with from the first phone call. I have a home and contents insurance policy and premium I am comfortable with knowing that there is an entire team at CIB who constantly review the insurance companies they work with. Gina has also been very quick to assist in any further questions I've had since purchasing a policy through CIB. It makes such a difference to be able to build a professional relationship with someone and contact them directly rather than ringing a generic number and speaking to a different consultant every time. I rarely provide public Google reviews but it is a pleasure to provide a 5 star review for Gina and CIB.
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.
Gina De Bonis has been taking care of my SMSF property insurance for a few years. She has provided excellent service managing to get very competitive premiums. I can recommend Gina for insurance requirements.
Gina was professional, prompt and knowledgable in our NFP insurance matters. All handled online via emails and phone calls and it was easy and efficient. Thank you!
Gina was outstanding from the very first phone call. She explained everything clearly, made the process simple, and kept things moving with minimal back and forth. Really appreciated how easy she made it all feel. Highly recommend.
Every claim and every premium is different - outcomes depend on your policy, sum insured and circumstances.
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