Honest Insurance Advice for Your Business
Insurance is only valuable if it actually responds when something goes wrong. At Clear Insurance, our role is to make sure you understand what you are covered for, where the gaps are, and what your real financial exposure looks like if something falls outside your cover.
We are insurance advisers. That means we take the time to understand your business before we make any recommendations. We ask the questions most people do not think to ask, we present your risks to insurers accurately and completely, and we stay involved throughout the year, not just at renewal time.
Our services are designed to work together. A Risk and Insurance Review gives you the foundation. Bespoke Risk and Insurance builds the program around what you actually need. Claims support means we are with you when it matters most. And for businesses with international operations, our Global Insurance Programs service ensures your cover keeps pace with your footprint.
Whatever stage your business is at, we can provide the information you need to make confident, informed decisions about your insurance.
Get clear on your insurance needs.
For businesses with complex operations, unusual assets, or risks that sit outside standard products. We ensure your insurance program meets your exposures, using local and international insurer markets to find the right fit.
A structured review of your current insurance program and the risks your business actually faces. We identify gaps, quantify your financial exposure, and provide a written gap analysis report. This is a no-obligation, paid service.
When you have a claim, you should not have to navigate the process alone. We work on the claim on your behalf, from lodgement through to settlement, dealing with your insurer so you can focus on your business.
Australian insurance policies do not automatically cover overseas operations. If your business operates, employs staff, or holds assets outside Australia, we can help you build a program that meets local regulatory requirements and protects your international interests.
Paying your full annual premium upfront is not always the best use of your cash flow. Premium funding allows you to spread the cost of your insurance across monthly instalments, keeping your business protected without tying up capital.
Before you can transfer a risk to insurance, you need to know it exists. We help you understand the risks your business faces, so you can make informed decisions about which risks to insure. We connect you with independent, qualified risk assessors when appropriate.
Frequently Asked Questions
What does an insurance adviser do?
An insurance adviser assesses your business risks, recommends appropriate coverage, places insurance on your behalf with suitable insurers, and supports you if you need to make a claim. Unlike buying insurance directly, working with an adviser means you have someone who understands your business acting in your interest, not the insurer’s.
How is Clear Insurance different from buying insurance online?
Online insurance platforms offer standard products for straightforward risks. Clear Insurance works with businesses that have more complex needs, unusual activities, or significant assets to protect. We access markets that are not available online, present your risks accurately to insurers, and provide advice on the level of cover that actually makes sense for your business.
What does Clear Insurance charge for its services?
Clear Insurance is remunerated on a fee-for-service basis paid by insurers and, where applicable, adviser service fees. These are disclosed transparently in our Financial Services Guide and in our advice to you before any placement is confirmed. The Risk and Insurance Review is a paid service with fees discussed and agreed upfront.
Do I have to use Clear Insurance to place my insurance after a review?
No. The Risk and Insurance Review is an independent, paid service. After receiving your gap analysis report, you are free to act on the recommendations yourself, use another adviser, or appoint Clear Insurance. There is no obligation either way.
What industries does Clear Insurance specialise in?
We work with businesses across a wide range of industries, including professional services, construction, allied health, hospitality and clubs, manufacturing, not-for-profits, technology, property owners, and family offices. We also assist with hard-to-place risks and businesses that fall outside standard industry categories.
How do I get started?
Contact Clear Insurance on 1300 721 132 or use the form on this page. One of our insurance advisers will be in touch to discuss your business and how we can help. There is no obligation to that initial conversation.
Last updated: 13 May 2026
The choice is Clear
There’s a clear winner when you deal with Clear Insurance. You.
Our experience, knowledge and tenacity deliver the most appropriate risk transfer and insurance solutions for
you, and your business.
Personalised and professional working relationships
Sound understanding of your industry and business operations
Unparalleled financial strength and efficient client services
Risk identification and insurance advice you can trust
Access to leading insurers in AUS, NZ and overseas.
Peace of mind that your risk transfer and insurance needs are covered
Fee-for-service advice and competitive pricing
“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.
