Insurance is complicated. We do the heavy lifting.

We arrange over 50 lines of cover across business, liability, property, cyber, professional indemnity, commercial motor, marine, construction, management liability, landlord, strata and more. This means you can manage multiple insurance needs through one point of contact.

Yes. Where appropriate, we can bring multiple policies together under one broker, even when different types of cover are placed with different insurers. You still have one point of contact who understands your overall business.

Yes. We have access to a broad panel of Australian insurers and compare more than just price. We look at the cover, limits, excesses, exclusions and policy terms before providing suitable options for you.

Absolutely. Send us your current policies and we can review your existing cover, understand what has changed in your business and explore alternative options where appropriate.

Yes. In many cases, you don’t need to wait until renewal to appoint a new broker. We can discuss the process with you and, where possible, take over the management of your existing policies.

Call us. We can lodge the claim, communicate with the insurer and assessor, assist throughout the process and advocate for you through to settlement. Pivotal’s current service includes claims handling at no additional charge.

That’s the goal. Pivotal is built around a relationship-based approach, giving you a broker who gets to know your business rather than sending you through a call centre every time you need help.

You don’t need to work that out before calling us. Tell us what your business does, how you operate, where you work, what you sell and the risks you’re exposed to. We’ll help identify the types of cover that may be appropriate and explain them in plain English.

No. Pivotal is based in Burleigh Heads on the Gold Coast but services clients Australia-wide, across every state and territory.

Yes. We work with businesses across a wide range of industries and sizes — from sole traders and growing businesses through to established companies with more complex insurance requirements.

Yes. We can arrange cover for e-commerce, retail and product-based businesses, including areas such as public and products liability, stock, business interruption, cyber, goods in transit and product recall, depending on the individual business and insurer appetite.

At minimum, your insurance should be reviewed at renewal. You should also contact your broker when something significant changes — such as your turnover, locations, stock levels, employees, products, services or overseas exposure. Pivotal includes an annual policy review as part of its service.

Not necessarily. Premium matters, but so do exclusions, limits, excesses and the scope of cover. A cheaper policy can become expensive if it doesn’t respond the way you expected when something goes wrong.

Tell us a little about your business and one of our brokers will get in touch. We’ll understand what you need, approach suitable insurers and talk you through the options — without making insurance more complicated than it needs to be.