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Rates are falling, and for the first time in years the pressure is coming off clients rather than piling on. Mid-year 2026 reinsurance renewals broadly achieved rate declines of 10 to 15% on loss-free business, and that softening flows straight down into the primary market your clients buy in. Understanding what is driving it, and […]

A critical content management system vulnerability alert issued on 10 July 2026 put a live exposure in front of any client running an unpatched system. Alerts like this are routine in security circles, but they carry a consequence many clients never see coming until they lodge a claim: an unpatched system can quietly void the

For years, claims and complaint handling sat in the category of things brokers knew mattered but treated as a matter of good practice rather than hard obligation. That framework is over. ASIC has named claims and complaint handling failures as a 2026 enforcement priority, and the numbers behind that decision are hard to argue with.

Every broker eventually faces the question of whether to specialise or stay general, and the honest answer has always been “it depends.” The market conditions of 2026 have tilted that answer, and the case for building genuine niche expertise is stronger now than it has been in years. Start with what clients actually need. 75%

Motor has become one of the most disputed products in the country, and the cause is not what most people assume. AFCA received 36,326 general insurance complaints in 2025, up 20% on 2024, with motor vehicle complaints reaching 12,879, up 18%, making it the second most disputed product overall. Behind those numbers is a single

Zurich entered the personal home insurance market through an expanded Honey Insurance partnership announced on 3 July 2026, with products going live from October. For a brand that had stayed clear of personal home cover, this is a significant strategic move, and it tells brokers something about where distribution is heading. The mechanics are the

The Insurance Council of Australia opened public consultation on a completely rewritten General Insurance Code of Practice on 24 June 2026, with submissions closing 21 July 2026. If you work with personal lines or SME packs, this is not a distant regulatory murmur. It is happening now, and the shape of your compliance obligations for

It’s 6:40pm. The client calls are done, the urgent claim is parked until the insurer comes back tomorrow, and now you’re starting the actual paperwork. Endorsements, a renewal pack, two certificates of currency, a compliance note you’ve been meaning to write up since Tuesday. The work that grows your business sat untouched all day because

You lodged the claim six weeks ago. The client has rung you four times, the builder wants an answer, and your inbox is a stack of “any update?” emails. None of it is moving, and the reason is sitting with the insurer, not with you. The client doesn’t see that. They see the person who

You’ve quoted the same regional property for six years. This renewal, the premium jumps 40%, the flood excess multiplies, and two of your usual markets come back with a flat decline. The client wants to know what changed, and the honest answer is nothing about them. The market moved underneath both of you. If you’re