What Is Bespoke Risk Transfer and Insurance?
Not every business fits neatly into a standard insurance package. If your business has complex operations, unique assets, or exposures that sit outside the ordinary, a bespoke risk transfer and insurance program gives you cover that is built around your specific circumstances.
Bespoke risk transfer is the process of identifying everything your business is exposed to, understanding which risks you can manage internally and which need to be transferred to an insurer, and then constructing an insurance program that reflects that analysis. The result is a program where the coverage, limits, structures, and insurers are selected deliberately for your business, not a standard product shelf.
How Bespoke Risk Transfer & Insurance Works
Step 01
Getting to know you & your business
We will organise a video call or site visit to get to know you and your business. It enables us to understand your business activities, gather accurate underwriting information for Insurers, take photos and ask the tough risk identification questions.
Step 02
Connecting you with independent risk experts
In unprecedented times, Insurers seek highly detailed information to fully understand all the risks we are asking them to underwrite. If appropriate, Clear Insurance will work with you to gather independent surveys and valuation reports. The reports give Insurers the details they need to make an accurate risk assessment of your business.
Step 03
Gathering the right information
Armed with a detailed understanding of your business and risk appetite, we present the correct information to Insurers on your behalf.
Step 04
Presenting your needs to Insurers
Working with our network of local and international insurer partners, we build a risk transfer and insurance program that best suits your business needs.
Step 05
Presenting our recommendations to you
We present and guide you through the available insurance solutions for your business. With our advice, you can decide on the level of cover you need and buy with confidence.
Step 06
Helping manage cash flow
Clear Insurance can assist with cash flow management. We can offer a monthly payment plan for insurance premiums to ensure your business remains protected.
Step 07
Managing claims
We make claims easy for you. We will gather all the necessary information, lodge your claim and deal with any ongoing claims with your insurer on your behalf.
Step 08
Ongoing care
We stay in touch throughout the year and update your insurances as your needs change. Clear Insurance is your trusted adviser, caring for you and your business.
Who Is This Service For?
This service is suited to businesses that:
- Operate across multiple locations, industries, or states
- Have assets or liabilities that standard packages underinsure or exclude
- Have experienced claims that revealed gaps in their previous coverage
- Are growing quickly and need insurance that keeps pace with their changing risk profile
- Want a single point of contact to manage their entire insurance program
Clear Insurance works with businesses across a wide range of industries, from professional services and construction to manufacturing, allied health, and hospitality. If your business is complex, has hard-to-place risks, or you simply want to know that your insurance program has been built with care, clarity and competence, this is the service for you.
Why Bespoke Matters
The difference between a bespoke program and an off-the-shelf policy is often invisible until you make a claim. Standard packages are designed to cover the most common risks for the most common businesses. They are efficient and affordable. However, they are built for the middle of the market. Businesses at the edges, those with unusual activities, high-value assets, international exposures, or professional liability risks, can routinely find that standard cover leaves material gaps.
Our insurance advisers take the time to understand your business before a single policy is placed. We work with a network of local and international insurer partners, giving us access to exclusive policy options as a Steadfast network broker and competitive pricing. That access, combined with our advice and advocacy, means your program is genuinely built for your business.
We can help with
Business Insurance
| Property | Industrial Special Risks, Business Interruption (Loss of Profits), Business Package, Contract Works (Construction) |
| Casualty | Liability, Excess Liability, Umbrella Liability, Product Recall, Environmental |
| Professional Risks | Professional Indemnity, Cyber, Directors & Officers Liability, Crime, Employment Practices Liability, Management Liability, Statutory Liability, Information Technology Liability, Financial Institutions |
| Motor | Commercial Motor, Motor Fleet, Heavy Motor, Mobile Plant & Equipment |
| Marine | Marine Transit, Freight Forwarders Liability, Transport Pack, Commercial Hull, Carriers Liability, Marine Liability |
| Medical Indemnity | Medical Practitioner Indemnity Insurance, Medical Practice Insurance. |
| Accident & Health | Business Travel (including Private/Leisure Travel), Group Personal Accident, Directors Personal Accident & Sickness, Expatriate Medical Expenses, Inbound Medical Expenses, Individual Personal Accident & Sickness, Voluntary Workers, Kidnap & Ransom, Journey Cover |
| Trade Credit Insurance | Business Protection from losses due to risks such as non-payments by customers |
Personal Insurance (a complimentary service to business insurance clients)
| Prestige Home & Contents |
| Prestige Motor |
| Boat |
| Farm |
| Landlord |
| Strata |
Frequently Asked Questions
What does “bespoke” mean in the context of insurance?
Bespoke simply means your insurance program is designed specifically for your business rather than drawn from a standard product. We assess your activities, assets, liabilities, and risk appetite, then construct a program using the coverage types, limits, and insurers that best match your actual exposures.
How is bespoke risk transfer different from a standard business insurance policy?
A standard business insurance policy bundles common covers, such as property, liability, and business interruption, into a single product designed to suit a broad range of small to medium businesses. Bespoke risk transfer starts from the other end: we begin with your specific risks and build a program to address them. This may involve specialist markets, wordings, or policies structured to work together across your entire exposure profile.
What types of businesses does Clear Insurance work with for bespoke programs?
We work with businesses of all sizes across a wide range of industries, including professional services, construction, manufacturing, allied health, hospitality, not-for-profits, technology, and family offices. If your business has risks that do not fit standard products, or if you want an adviser who will take the time to understand your operations properly, we can help.
Do I need to be a large business to access bespoke risk transfer?
No. Complexity drives the need for a bespoke approach. A small professional services firm with unusual contractual obligations, a growing e-commerce business with international supply chain exposures, or a family office with diverse asset holdings can all benefit from a program designed around their specific circumstances.
What happens after Clear Insurance places my insurance program?
We stay involved throughout the policy year. If your business changes, we update your program. If you have a claim, we manage the process with your insurer on your behalf. Before renewal, we review your program against your current risk profile and market conditions and present our recommendations before any placement is confirmed. Our role is to be your trusted adviser.
How do I get started?
The first step is a conversation. Contact us on 1300 721 132 or via our contact us form and one of our insurance advisers will be in touch to arrange an initial discussion. There is no obligation and no cost to have that first conversation.
Last updated: 13 May 2026
