We have just confirmed our first residential strata insurance with CIB. I recommend the brokers at CIB to manage your insurance needs. The service from Debbie Blanco was excellent. She thoroughly explained, coordinated the quote for 2025-26, and followed through the process in detail to confirmation. She was ably assisted by James Kirk, who coordinated the compliance and insurance valuation. Stephen Fairbairn, Noosaville
James Kirk
Compliance Manager, Consolidated Insurance Brokers
General Insurance Compliance and Technical Review | Diploma of Financial Planning
Call James’s office: 07 3292 1100
Based at our Brisbane office.
James Kirk is the Compliance Manager at Consolidated Insurance Brokers in New Farm, Brisbane. He works with the account managers here to help make sure insurance arrangements are fit for purpose, meet the standards the firm sets for itself, and are handled in line with the legislative requirements that apply.
James began his insurance career in personal risk and life insurance in 2016 and moved into general insurance in 2018, first working with small trades and blue-collar businesses and then moving into compliance and management.
That work gives him a detailed view of how insurance advice, policy structure and documentation need to come together before a policy is placed. For a client, the value of it is practical: the important details get checked while there is still time to do something about them, rather than surfacing after a loss or a dispute.
His areas of experience include general insurance compliance, policy and insurance program review, underinsurance clauses and property sums insured, liability cover and policy trigger basis, and insurance for trades and blue-collar businesses.
Commercial Property and Underinsurance
One issue James believes commercial property owners should understand is underinsurance. A building sum insured that no longer reflects the realistic cost of reinstatement can create a significant problem when a claim occurs, particularly where the policy contains an underinsurance, average or co-insurance provision.
So he encourages property owners to understand not only the number shown as the sum insured, but also the policy wording that applies if that amount proves inadequate. This is an area where technical policy detail can materially affect the outcome of a claim.
Liability Cover and What Triggers It
James is also comfortable with the liability risks that affect trades and other businesses. His technical interests include the difference between occurrence-based and claims-made cover, and the concepts of joint, several and vicarious liability.
Those concepts can be difficult to understand from a policy schedule alone. James helps the team here examine the wording and the structure behind the cover, so the issues that matter can be identified and explained clearly.
What James Looks For
James approaches insurance from a compliance and quality-control perspective. He looks past the premium to whether the information supporting the policy is accurate, whether the arrangement suits the client's circumstances, and whether important conditions, exclusions and technical features have been properly considered.
His earlier background across personal risk and life insurance also gives him a broader view of how different forms of risk protection fit together.
Experience & Qualifications
- In the insurance industry since 2016
- In general insurance since 2018
- Compliance Manager, Consolidated Insurance Brokers, New Farm, Brisbane
- With Consolidated Insurance Brokers since 2018
- General insurance compliance and internal standards
- Policy and insurance program review
- Commercial property and building insurance issues
- Underinsurance clauses and the adequacy of property sums insured
- Insurance for trades and blue-collar businesses
- Liability insurance concepts and policy trigger basis
- Supporting account managers with technical and compliance questions
- Diploma of Financial Planning
- Earlier experience in personal risk and life insurance
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 James
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9 Google reviews naming James
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Highly recommend Debbie and James from Consolidated Insurance Brokers. Our insurance had tripled according to our previous broker but Debbie and James search tirelessly to find us the best quote to insure our property and saved us a lot of stress and money, we cannot thank them enough.
I have used James Kirk of Consolidated Insurance Brokers for my insurance needs for some years now on a property I lease. I cannot recommend James strongly enough as someone who looks after my best interests, alerts me to renewals etc in a very timely manner. He also responds to queries both quickly and clearly. A great person to work with!!
James is very helpful in helping get the right insurance for my business.
I have been with Consolidated Insurance Brokers since 2011 and they have done everything possible to get me the best coverage for my business. This year James Kirk has taken over my account and has stepped in seamlessly. Thanks for the great work guys!!!
James Kirk at Consolidated Insurance Brokers finds the best deal for our renewals each year. He makes the whole process professional, informative and easy.
Every claim and every premium is different - outcomes depend on your policy, sum insured and circumstances.
Talk to James about your cover
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