A Partnership Built on
Care, Clarity and Competence
Insurance works best when coverage decisions are based on a genuine understanding of your business and what you need to protect. At Clear Insurance, the way we work with you matters as much as the policies themselves. Our approach is designed to ensure you understand what you are covered for, why that coverage matters, and how we will support you when things go wrong.
We have developed an approach over more than a decade that reflects a simple commitment: we invest time to get things right. Whether you are seeking comprehensive advice or a review of existing arrangements, here is what you can expect from Clear Insurance.
Why Our Process Matters
The insurance program you place today needs to serve your business effectively for years to come. That durability requires that coverage decisions are made thoughtfully, based on a genuine understanding of your actual circumstances and risk transfer needs.
We build our approach around a straightforward principle: the time invested upfront in developing the right strategy pays dividends across every renewal and business transition that follows. This is why our average client relationship spans more than seven years; not because we compete on price, but because the advice we give continues to work as your business evolves.
Our Five-Step Process
Step 01 - We Listen First
We start by understanding your business, its operations, and what matters most to you.
During this step, we engage in a genuine discussion about your situation and priorities. We take time to hear what you consider important, rather than working through a standardised form. We explain clearly what happens next and what to expect.
Understanding your business before making any recommendations is the foundation of advice that serves your needs.
Step 02 - We Conduct a Thorough Risk & Insurance Review
We perform a thorough analysis of your business circumstances to identify where proper protection is most critical.
You receive a comprehensive assessment of your risk and insurance needs based on your specific situation. We identify any gaps and assess whether your existing insurance program aligns to your current business circumstances.
Our experience across multiple industries informs this analysis. We understand what protection matters most in your sector and the gaps that typically emerge over time. That knowledge helps us develop recommendations that serve your business effectively.
Step 03 - We Present Your Options Clearly
When you appoint Clear Insurance, we present tailored insurance options with transparent reasoning based on your circumstances.
You understand why we recommend each option for your situation. You see how different policies compare on coverage, not just premium. You understand the trade-offs between options. You know exactly what you are paying for, including our adviser service fee.
You receive our professional opinion on what is most appropriate for your business. This is personal advice tailored to you, not general information.
Step 04 - We Negotiate and Place Your Cover
Once you have decided on your coverage, we work with insurers to secure it on your behalf. Our relationships and expertise serve your interests throughout this phase.
We handle negotiations on your behalf and ensure coverage is properly coordinated. We explain the terms of your insurance agreements for complete clarity.
We manage the interface between you and the insurer, and we help to ensure the final coverage reflects what was agreed.
Step 05 - We Stay With You
The relationship continues after your insurance is placed. For most of our clients, this is where the most significant value emerges.
Your ongoing client experience includes a detailed service plan. We communicate about insurance market changes and industry developments that may affect you. We respond promptly when you have questions and provide claims advocacy when you need to make a claim.
You have direct access to your service team throughout. That continuity of relationship is the foundation of the service we provide.
“Clear Insurance has been our trusted allied health insurance provider for many years. They offer comprehensive coverage and personalised recommendations. Their knowledgeable advisors and proactive approach have been invaluable, especially during industry changes. Their efficient claims handling process and commitment to customer service make them an outstanding choice.”
“We couldn’t be more pleased with the outstanding service provided by Lisa and her team from Clear Insurance in renewing our new insurance policies. Their dedication, attention to detail, and responsiveness made the entire process seamless and stress-free. They took the time to understand the needs of our business and found us the best available coverage at competitive rates. We highly recommend anyone looking for a knowledgeable and reliable insurance partner to get in touch with Lisa and the team from Clear Insurance!”
“We’ve been so impressed at the high-quality service provided by Clear Insurance. They were very thorough when assessing our insurance needs, ensuring that they completely understood our business before making any recommendations. Thank you, Lisa and the team!”
“Clear Insurance has become a key partner for WorkSafe Connect. Lisa and the team have ensured that we understand the risks associated with our business interests and have helped us decide on the cover we need. From taking over an existing set of policies to the full re-marketing of our portfolio, the quality of service, transparency of advice and responsiveness to any request is outstanding. In Clear Insurance, we feel that we are working with a partner who wants the best result for our business and is helping us achieve success.”
“I have had such a good experience with Clear insurance. They recommended to me many changes to my old policies and in less than 4 months the difference saved me $80,000 so I am over the moon. They absolutely know their area of expertise. Thank you to Clear insurance and yes, I can’t recommend them enough.”
“Clear Insurance completed an in-depth analysis of our insurance coverage, identifying our organisation was under-insured. They provided a comprehensive proposal specific to the context that we work in and our growth as a business. It is evident to me, Clear Insurance work diligently and tirelessly to truly understand the needs of their clients to protect them against potential risks.”
“All the work you guys do to help us, we are really grateful.”
“I note your disclosure of the Advisor Service Fee and think that this adds veracity to the insurance renewal process.”
“It’s refreshing to get great service!”
*These testimonials represent individual client experiences. Results vary based on circumstances, requirements, business operations, and market conditions.
What Makes Our Approach Different
What You Can Expect
We work with businesses across multiple sectors, including clubs and hospitality, allied health, construction, professional services, and more. See which industries we specialise in.
Frequently Asked Questions
How long does the process take?
The timeline depends on the complexity of your business and your specific circumstances. For a straightforward business, an initial assessment and quote cycle typically takes 2-4 weeks. For more complex businesses or those with unusual exposures, it may take longer. Proper assessment takes the time it takes. We will be transparent about the timeline upfront.
Do I have to use all five steps if I only need specific advice?
Not necessarily. If you are an existing client seeking an insurance renewal or specific advice, we may move more efficiently through the process. However, for most new clients seeking comprehensive advice, working through all five steps ensures you receive protection tailored to your actual circumstances.
What if I already have insurance in place? Do I still need a risk review?
Yes, even if you already have insurance, a review is valuable. Businesses change. Your operations may have evolved since your policies were put in place. The insurance market changes too. A review identifies whether your current coverage still matches your current business, or whether gaps or overlaps have developed. You may discover that you are under-insured or paying for coverage you no longer need.
Will I have the same adviser throughout the process?
Yes. You will work with the same adviser through the entire process. That continuity of relationship matters. Your adviser builds understanding of your business, your priorities, and your circumstances. That knowledge informs better decisions.
How do you charge for this advice?
We operate on a fee-for-service model. Our adviser fee is disclosed transparently before we proceed. We do not earn commissions on insurance placements, and we do not take hidden commissions from insurers. We are transparent about what we charge and why. For more information on our fees and services, you can read our combined Financial Services Guide and Terms of Engagement guide.
What if I decide not to place insurance with Clear Insurance?
We respect your choice. If you work with another adviser or place insurance independently, that is fine. Our commitment is to provide you with advice and guidance, not to pressure you into a decision. We remain available if circumstances change.
The Next Step
Understanding your business and getting your insurance right takes time and genuine engagement. If you are ready to have that conversation, or if you would like a no-obligation review of your current coverage, get in touch with our team.
We are here to help you protect your business.
