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If you haven’t read the 2026 Vero SME Insurance Index yet, set aside 20 minutes – because the findings will either confirm you’re doing the right things, or give you a very clear picture of where you’re leaving value on the table. The headline numbers look reassuring: 80% of businesses used a broker in the […]

Your clients are getting cheaper renewals right now and that’s exactly why this is the most dangerous moment to just wave them through. Australian commercial property pricing fell 14% in Q4 2025, the largest drop of any region globally. Strong insurer capacity, new capital, and real competition for good risks are keeping rates down, and

There are coverage gaps sitting inside your clients’ cargo policies right now that most of them don’t know about – and a hot conflict in the Gulf is exactly the event that exposes them. Maritime insurers have been cancelling war-risk cover for vessels transiting the Gulf, and war-risk premiums have surged sharply as the Iran

If a client’s plant burns down tomorrow and it costs 30% more to replace than their sum insured assumes, that’s not bad luck, that’s a conversation that never happened. Oil prices pushing toward USD 100 per barrel under prolonged Gulf conflict will accelerate an underinsurance problem that’s already well underway across Australian commercial portfolios. Australia

When your client lodges a property claim this year, the thing most likely to blow out the settlement timeline isn’t the insurer, it’s a shipping bottleneck on the other side of the world. Around 20% of the world’s oil and a significant share of global LNG passes through the Strait of Hormuz every day. When

Picture two brokerages. Similar size. Similar total premium. One principal is planning a hire, investing in growth, sleeping reasonably well. The other is watching cash flow like a hawk, chasing renewals, and wondering why a good month on paper doesn’t feel good in the bank. The difference almost certainly isn’t total GWP. It’s how deliberately

You’ve built real expertise. You know your products, your underwriters, your clients. You work hard – probably harder than most. So why does the business still feel like it’s running you, rather than the other way around? The answer isn’t that you’re doing something wrong. It’s that broking well and running a brokerage well are

There’s a shift happening in cyber insurance conversations that brokers need to be across. It’s no longer primarily about risk appetite or premium sensitivity. Increasingly, the reason an SME client is asking about cyber cover is straightforward: their customer requires it. Contracts are driving the conversation now Australian SMEs are facing growing pressure from large

The numbers are hard to ignore. Australian commercial insurance rates dropped sharply in Q4 2025, with Marsh reporting a 12% fall in Pacific commercial cover – the steepest decline since rate reductions began in early 2024. Further softening is expected across many commercial lines through 2026, driven by strong capacity and competition among carriers. For

ASIC has published its 2026 enforcement priorities, and if you’re an authorised representative, there are a few items on that list that deserve more than a quick scan. This isn’t about theoretical regulatory risk. These priorities describe where ASIC is actively looking – and some of those areas sit squarely in the day-to-day work of