Insure More is now serving Coffs Harbour and the Coffs Coast. Local insurance brokers for business, landlord, commercial property and personal insurance talk to our team today. Home Insurance Type Contact us Pay & Renew Tuncurry Taree Coffs Coast News Feed & Blog Claims About us Videos Compliance Privacy Policy Your Duty of Disclosure Review us on Google Search Site Blog More Insurance Broker in Coffs Harbour Insure More is proud to now serve the Coffs Coast, bringing the same personal, locally-grounded approach that's guided our Taree and Tuncurry clients for decades to businesses and homeowners across Coffs Harbour. Our Coffs Harbour office is available by appointment only. To arrange a meeting or discuss your insurance needs, please contact Rhys directly on 0488 378 413. Your local team, now closer to home If you were previously insured through Coffs Coast Insurance Brokers, welcome to Insure More. Your policies, your point of contact, and the personal service you're used to haven't gone anywhere we've simply joined forces to give you access to a bigger team and broader insurer network, without losing the local relationship that matters most. Rhys who leads our Coffs Harbour presence, backed by the full Insure More team across our Taree and Tuncurry offices. Whatever you need a claim lodged, a renewal reviewed, or a new quote you'll be talking to someone who knows the Coffs Coast and knows your policy. What we cover As an Authorised Representative of Community Broker Network and part of the Steadfast Group, we combine local knowledge with the buying power and policy access of Australia's largest general insurance broker network. Our Coffs Harbour clients come to us for: Business & Commercial Property Insurance Landlord & Holiday Home Insurance Public Liability Insurance Construction & Trades Insurance Home & Contents Insurance Car & Vehicle Insurance Cyber Insurance Why Coffs Coast clients choose Insure More We're a family-owned brokerage, not a call centre. Since 1985, our approach has been straightforward: understand your risk, find the right cover, and be there when you need to make a claim not just when it's time to renew. That same commitment now extends to Coffs Harbour, Sawtell, Woolgoolga and the wider Coffs Coast. Location Level 1/9 Park Avenue Coffs Harbour NSW 2450

We are Insurance Brokers based on the Mid North Coast with offices in Tuncurry & Taree. Insure More provides Insurance Australia wide for Business, Holiday Rentals, Landlords, Public Liability, Motor, Construction and Personal Insurance. Contact us to compare your options today ! Home Insurance Type Contact us Pay & Renew Tuncurry Taree Coffs Coast News Feed & Blog Claims About us Videos Compliance Privacy Policy Your Duty of Disclosure Review us on Google Search Site Blog More Insure More, Our Story At Insure More, we specialise in landlord insurance, commercial property insurance, and business liability, with offices in Forster-Tuncurry, Taree and Coffs Harbour, servicing clients across New South Wales and Australia wide. We help property investors and business owners protect their assets with confidence. With over 35 years of experience, our expert insurance brokers provide tailored insurance solutions for rental properties, commercial buildings and investment portfolios, ensuring you’re covered for risks such as property damage, loss of rental income and liability claims. We understand the unique challenges faced by landlords and commercial property owners, which is why we deliver personalised advice, competitive premiums and reliable coverage options designed to safeguard your investment. If you own a rental property or commercial building, speak with our team today for a free insurance quote and discover how Insure More can help protect your property and your income. Anchor 1 Wide range of Insurance solutions Farm Insurance The Protection You Need Holiday Home Insurance Get The Coverage You Deserve Commercial Property Owners Free Insurance Quotes

Specialist Farm and commercial property insurance brokers in Forster-Tuncurry NSW. Protect your rental or investment property with tailored cover. Get a free quote today Home Insurance Type Contact us Pay & Renew Tuncurry Taree Coffs Coast News Feed & Blog Claims About us Videos Compliance Privacy Policy Your Duty of Disclosure Review us on Google Search Site Blog More FARM INSURANCE Running a farm brings a different set of risks to any other business, and your cover needs to reflect that. We arrange farm insurance across a broad range of agricultural operations, drawing on specialist rural underwriters as well as mainstream insurers with dedicated farm appetite. Farms We Can Quote We can source cover for most working farms and rural properties, including: Livestock operations. Beef cattle, dairy cattle, sheep and mixed livestock enterprises, covering stock losses, farm buildings, fencing and farm vehicles. Cropping and broadacre. Grain, cotton, canola, rice and other broadacre crops, including specialist crop and hail cover. Horticulture and viticulture. Fruit and tree nut growers, vineyards, and fruiting trees and vines. Dairy. Dairy cattle farming, including farm buildings, plant and equipment. Hobby and lifestyle farms. Smaller rural landholdings running on a non-commercial or part-commercial basis. Poultry and intensive livestock. Poultry farming and other intensive livestock operations, subject to underwriter review. High-net-worth rural properties. Specialty farm cover for larger landholdings, often bundled with high-value home, motor and farm liability cover. Cover typically extends to farm buildings and contents, machinery breakdown, livestock, fencing, farm vehicles, farm personal accident and sickness, and farmers' liability. Because every property and operation is different, we tailor the submission to your farm rather than working off a one-size-fits-all package. Email Us A Note on Farm Stays and Agritourism If your farm also hosts paying guests, whether that's cabin accommodation, camping, farm tours, or hands-on experiences with animals, this is a genuinely hard-to-place and frequently declined class of business in the current market, and we want to be upfront about that rather than let you find out at claim time. A few reasons this cover is difficult to source: Most mainstream farm insurers exclude it. General farm policies are written around primary production, not guest accommodation or recreational activities. Where a farm insurer will consider a farm stay at all, cover usually excludes recreational activities such as animal interactions, water sports, mountain biking and other adventure-style activities. Disclosure is critical. Hosting paying guests on an undeclared basis can void an entire farm policy, not just the guest-related claim, if the insurer later finds the activity wasn't disclosed. Booking platform cover is not a substitute. Protections offered through platforms such as Airbnb or Stayz are generally secondary and narrow; they typically will not respond if the underlying farm or property policy excludes the commercial hosting activity in the first place. Specialist capacity exists, but it's limited. A small number of agencies write purpose-built farm stay and agritourism cover, usually with revenue thresholds, membership or risk-management conditions attached, and often with recreational activities carved out regardless. If this applies to your property, talk to us before you take a single booking. We'll tell you honestly whether we can place it, what it will exclude, and what you need to have in place first. We would rather turn a quote around slowly and correctly than see a client find out they weren't covered after an incident.

Protect your business with Cyber Liability Insurance. Discover why Cyber Liability Insurance matters, even for small businesses in Australia. Home Insurance Type Contact us Pay & Renew Tuncurry Taree Coffs Coast News Feed & Blog Claims About us Videos Compliance Privacy Policy Your Duty of Disclosure Review us on Google Search Site Blog More Cyber Insurance Whether you're a tradie using online invoicing, a retail store with an eCommerce site, or a wellness clinic storing client information, one phishing email, ransomware attack, or stolen laptop could expose sensitive data, shut down operations, and seriously damage your reputation. Why Cyber Insurance Matters (Even If You're a Small Busines) Cyber attacks aren't just a problem for big corporations — in fact, over 60% of cyber incidents in Australia target small and medium-sized businesses. Why? Because hackers know many smaller operations lack the resources, IT teams, and security protocols of larger organisations — making them easier targets. Cyber insurance helps cover the costs of responding to an attack, including: Data recovery Legal and regulatory fines Customer notification PR/crisis communication support Business interruption losses It’s not about if a cyber incident will happen — it’s about how prepared you are when it does. Let’s review your cyber risk and see how much protection you really have Cyber Insurance Quote

Reach out to our office in Tuncurry, NSW. Discover how to contact us for all your insurance needs. Visit our Contact Us page today! Home Insurance Type Contact us Pay & Renew Tuncurry Taree Coffs Coast News Feed & Blog Claims About us Videos Compliance Privacy Policy Your Duty of Disclosure Review us on Google Search Site Blog More Call us page How to Contact Us Taree: 6591 3467 Tuncurry: 6555 5022 Call us on the above numbers. If your request comes through outside office hours, please leave a message with your phone number and name and we will return your call as soon as we can. For emergency claims you can also call the insurer listed on your insurance schedule. Have your policy number ready ! If you need to contact us about your insurance renewal or for a quote on insurance for your Holiday Home Property, Commercial Property, Landlords, Serviced Apartment, Public Liability, Business or any other insurance, you can call us on the numbers above or email us using the form below. Email Us Email Contact page

Wide range of insurance. Ask about Holiday Rentals, Public Liability, Commercial & Personal Insurance. Just some of the types of insurance we provide and can help you with. Get a Free Quote. Home Insurance Type Contact us Pay & Renew Tuncurry Taree Coffs Coast News Feed & Blog Claims About us Videos Compliance Privacy Policy Your Duty of Disclosure Review us on Google Search Site Blog More Ready to Chat About Your Insurance Needs? Got a holiday home to protect? Running a business that needs solid liability cover? Or just want personal insurance that actually makes sense? Let’s chat. - Call us on 02 6555 5022 for a quick, friendly conversation — no scripts, no pressure, just real advice tailored to you. Not a phone person? No problem. Send us an email or jump online for a fast quote. Same expertise, your way. Quotes are 100% free, and we keep things simple, clear, and stress-free. So… are you sure you’re properly covered — or just hoping you are? Let’s sort it today. Farm Insurance Business Insurance Construction Insurance Holiday Home Insurance Cyber Insurance Travel Insurance Beauticians Insurance Car & Vehicle Greenslip Insurance Home & Contents Public Liability Insurance Tradesman Insurance Boat & Watercraft Commercial Property Hairdressers Insurance Barbers Insurance Serviced Apartment Units Welders & Boilermakers CANT FIND WHAT YOU NEED? GET IN TOUCH WITH US Email Us

Discover comprehensive Commercial Property Insurance tailored for your needs. Visit our Tuncurry or Taree location for expert advice on Commercial Property Insurance. Home Insurance Type Contact us Pay & Renew Tuncurry Taree Coffs Coast News Feed & Blog Claims About us Videos Compliance Privacy Policy Your Duty of Disclosure Review us on Google Search Site Blog More Commercial Property Owners Insurance Quick Solutions for Building Owners Whether you own commercial property for investment or business use, our tailored insurance packages protect your valuable assets. We specialise in coverage for industrial buildings, retail spaces, and mixed-use properties. We Cover These Common Scenarios: * Building owner leasing to tenants * Owner-occupier leasing portion to others * Full owner-occupier * Vacant building seeking tenants Comprehensive Protection Options: * Building structure * Loss of rental income * Property owners' liability * Glass coverage * Machinery breakdown * Debris removal costs * Landlords fixtures * Public Liability Why Commercial Property Insurance Matters Your commercial property represents a significant investment. Without proper insurance, a single fire, storm, or liability claim could devastate your financial position. Important Considerations: * Tenant changes must be reported to maintain coverage * Different occupations carry different risk ratings and premiums * Unoccupied buildings require special coverage arrangements * Listed events policies only cover specified perils * Accidental damage options provide broader protection Our Advantage: * Access to multiple insurers for competitive pricing * Tailored solutions for your specific property type * Experience with hard-to-insure properties * 14-day free look period on new policies * Personalized service from commercial property specialists Get Protected Today: * Complete our online quote form * Call us at 02 6555 5022 * Email your property details Full policy conditions are available in the Product Disclosure Statement provided with your quote. Start a Quote Email us

Discover your trusted Tuncurry Insurance Broker at 1-9 Manning Street. Expert Advice in Tuncurry -Insurance Broker services tailored to your needs. Visit us today! Home Insurance Type Contact us Pay & Renew Tuncurry Taree Coffs Coast News Feed & Blog Claims About us Videos Compliance Privacy Policy Your Duty of Disclosure Review us on Google Search Site Blog More Your Local Insurance Experts In Tuncurry/Forster Nestled in the stunning Barrington Coast, our insurance brokerage has been proudly serving Forster-Tuncurry and surrounds for years. From the crystal-clear waters of Wallis Lake to the charming communities of Taree and Gloucester, we're your neighbors who understand local needs. But here's the exciting part - we help clients nationwide! Whether you're a local looking for face-to-face service or you're anywhere else in Australia seeking expert insurance advice, we've got you covered. As independent brokers, we don't just offer one insurer's products - we shop around to find your perfect match! We Specialise In: • Holiday homes and short-term rentals • Investment properties • Commercial buildings • Construction projects • Public liability protection • Personal insurance (home, car, boat) • Green slips for vehicle registration Let's Connect! 💻 Complete our quick online form 🚶♂️ Drop by for a chat! Insurance renewal coming up? Don't just pay the bill - let us provide a FREE comparison quote that could save you money while improving your coverage! Your local experts with nationwide reach - making insurance simple from the beautiful Barrington Coast and beyond! Our Office Map Location

Visit the Insure More Taree Office for reliable insurance solutions. Located on Pulteney Street Taree. We are here to help Home Insurance Type Contact us Pay & Renew Tuncurry Taree Coffs Coast News Feed & Blog Claims About us Videos Compliance Privacy Policy Your Duty of Disclosure Review us on Google Search Site Blog More Our Team: Locally Established, Nationally Connected At the heart of our brokerage is a close-knit family of insurance professionals deeply connected to our community. Locally owned by Matt Fawcett & Paul Stack, our team brings together decades of local experience and relationships that shine through in everything we do. A Legacy of Service Since Roger & Ros Edwards founded our business in 1988, we've grown from strength to strength. When Matt took the helm, he built upon this solid foundation, expanding our team to eight dedicated professionals across our Taree and Tuncurry offices. Together, we guide nearly 1,400 clients through their insurance journey each year. Our Collective Expertise Our team's combined knowledge allows us to serve diverse clients - from family homes to major manufacturers, small businesses to commercial property portfolios. This breadth of expertise means we collaborate daily, sharing insights to deliver the best solutions for every client. Backed by Industry Leaders As an authorised representative of Community Broker Network and part of the Steadfast Group (Australasia's largest general insurance broker network), our team leverages collective strength. This partnership empowers us to access exclusive policy options and competitive terms while maintaining our local, personalised approach. Our Commitment to You When you work with us, you're not just getting one broker – you're gaining a team of advocates. From initial quote to claims support, we stand together to provide the attentive service and protection you deserve. 02 6591 3467 Level 2, Suite 201, 1 Pulteney Street Taree, NSW 2430 work@insuremore.com.au

Need to make a insurance claim or find out if you are covered. Have you been involved in an accident or suffered storm damage. Contact our claims line to get help. Home Insurance Type Contact us Pay & Renew Tuncurry Taree Coffs Coast News Feed & Blog Claims About us Videos Compliance Privacy Policy Your Duty of Disclosure Review us on Google Search Site Blog More Insurance Claims If you need to lodge an insurance claim, have been involved in a car accident, suffered storm damage to your Commercial Property, Rental Home, Holiday Home or Business, or to find out if damage you have suffered is covered under your insurance policy we are here to help. If you normally deal with our Forster Office please call 02 6555 5022 or our Taree office 02 6591 3467 Email us

Discover our insurance history and legacy of trust since 1985. Learn about our local presence, nationwide service, and comprehensive coverage options. Home Insurance Type Contact us Pay & Renew Tuncurry Taree Coffs Coast News Feed & Blog Claims About us Videos Compliance Privacy Policy Your Duty of Disclosure Review us on Google Search Site Blog More About Us - Our Insurance History A Legacy of Trust Since 1985 Insure More brings together decades of insurance expertise with a fresh, client-focused approach. Our story began in 1985 when the Murray family established SM Insurance & Investment Advisers in Muswellbrook, NSW, before settling in the beautiful Forster-Tuncurry region in 1987. Our journey expanded in 1988 when the Edwards family founded REIB Insurance Brokers in Taree. Today, we've united these trusted family businesses under the Insure More brand—same experienced team, same commitment to service, just a more dynamic name that reflects our dedication to providing comprehensive insurance solutions. Local Presence, Nationwide Service While we proudly maintain our local offices in Forster-Tuncurry and Taree where we welcome face-to-face visits, our reach extends across Australia. Whether you're a coastal neighbor or calling from Perth, Darwin, or anywhere in between, we deliver the same personalized service and tailored insurance solutions. Comprehensive Coverage Options Our expertise spans a wide range of insurance needs: • Holiday Home & Short-Term Rental Protection • Investment Property Coverage • Commercial & Business Insurance • Public Liability Protection • Construction & Trades Insurance • Personal Insurance (Home, Car, Boat) • Greenslips & Motor Vehicle Coverage Our Strength in Partnership As an Authorised Broker of Community Broker Network Pty Ltd and member of the Steadfast Group, we combine the personal touch of a local broker with the strength and resources of Australia's largest broker network. Let's Connect Whether you're looking to review existing coverage or exploring new protection options, we're here to help you insure more of what matters most. Insure more, so you can worry less We are an Authorised Broker of Community Broker Network Pty Ltd. Community Broker Network Pty Ltd is a member of the Steadfast Group.

Protect your project with Builders Construction Insurance. Get tailored coverage for construction works. Visit us in Tuncurry or Taree for Builders Insurance. Home Insurance Type Contact us Pay & Renew Tuncurry Taree Coffs Coast News Feed & Blog Claims About us Videos Compliance Privacy Policy Your Duty of Disclosure Review us on Google Search Site Blog More Construction (Contract Works) Insurance Construction Insurance protects your building projects from unexpected damage, loss, or delays—helping safeguard your time, money, and reputation. Who it’s for: Builders (residential, commercial, industrial) Subcontractors Owner-builders Available as annual cover (multiple jobs) or single project cover What’s covered: Buildings under construction Tools and equipment Existing or adjoining structures (optional) Public Liability (recommended for injury or property damage claims) What’s not usually covered: Faulty workmanship or defects Loss after work stops or once the property is occupied Underground/water work (unless declared) Employee claims or motor vehicle-related claims Asbestos (unless specifically included) Next step: Get a quote or contact us to compare cover options and make sure your projects are properly protected. CLICK A LINK TO GET A QUOTE Trades Liability & Tools Quote Construction Insurance Quote Owner Builder Insurance Quote

Explains your duty of disclosure, which means you need to be honest and open with us and tell us all the things that are relevant to obtaining you insurance cover or insureing your risk. Please read the duty of disclsure and if you have questions please ask. For the types of insurance advice we are able to provide such as best short term rental insurance for your needs or help to compare holiday home insurance for your short term rental property you need to be open and honest with us. Home Insurance Type Contact us Pay & Renew Tuncurry Taree Coffs Coast News Feed & Blog Claims About us Videos Compliance Privacy Policy Your Duty of Disclosure Review us on Google Search Site Blog More Your Duty of Disclosure Before you enter into an insurance contract, you have a duty to tell the insurer anything that you know, or could reasonably be expected to know, that may affect the insurer’s decision to insure you and on what terms. You have this duty until they agree to insure you. You have the same duty before you renew, extend, vary, or reinstate an insurance contract. You do not need to tell the insurer anything that: • reduces the risk they insure you for; or • is common knowledge; or • the insurer knows, or should know: or • the insurer waives your duty to tell them about. If you do not tell the insurer something If you do not tell the insurer anything you are required to, they may cancel your insurance contract or reduce the amount they will pay you if you make a claim, or both. If your failure to tell them is fraudulent, they may refuse to pay a claim and treat the insurance contract as if it never existed. ADDITIONAL DUTY NOT TO MAKE A MISREPRESENTATION - (Applies to consumer insurance contracts only) A consumer insurance contract (CIC) is a contract that is purchased for personal, domestic or household purposes. You have a duty under the Insurance Contracts Act 1984 (ICA) to take reasonable care not to make a misrepresentation to the insurer (your duty). Your duty applies only in respect of a policy that is a consumer insurance contract, which is a term defined in the ICA. Your duty applies before you enter into the policy and also before you renew, extend, vary or reinstate the policy. Before you do any of these things, you may be required to answer questions and the insurer will use the answers you provide in deciding whether to insure you, and anyone else to be insured under the policy, and on what terms. To ensure you meet your duty, your answers to the questions must be truthful, accurate and complete. If you fail to meet your duty, the insurer may be able to cancel your contract, or reduce the amount it will pay if you make a claim, or both. If your failure is fraudulent, the insurer may be able to refuse to pay a claim and treat the contract as if it never existed. DUTY OF GOOD FAITH Both parties to an insurance contract, the insurer and the insured, must act towards each other with the utmost good faith. If you fail to do so, the insurer can cancel your insurance. If the insurer fails to do so, you may be able to sue the insurer. Non-Disclosure – What happens if you don’t tell us The insurer may be entitled to: • Cancel your policy • Treat your policy as if it never operated • Reduce or refuse to pay a claim. The duty applies to each person named in the policy as the insured. If your non-disclosure is fraudulent, the Insurer may also have the option of avoiding the contract from the beginning. Please note: if you haven’t told the truth you might not be covered. Target Market Determinations (TMDs) - Applies to Retail consumer insurance Insurers have created Target Market Determinations (TMDs) which set out the type of customer and risk the product is designed for. We will provide links for each product that falls within these criteria for this financial product when yo apply or renew insurance. If you would like a copy of the TMD, please advise us so that we can make this available to you. Before you make any decision about whether the policy is right for you, you should obtain and read the Product Disclosure Statement (PDS) for the policy. ESSENTIAL READING OF POLICY WORDING The policy wordings for your insurances are essential reading to understand what is protected by each policy. Read them carefully as soon as possible and contact us if you have any concerns about the extent of your cover. For all the types of insurance advice we are able to provide such as commercial property insurance, short term rental insurance or helping to compare holiday home insurance for your short term rental property, you always need to be open and honest with us.

Discover three easy ways to maintain your insurance cover. Pay my Insurance with a credit card now and secure your policy hassle-free. Home Insurance Type Contact us Pay & Renew Tuncurry Taree Coffs Coast News Feed & Blog Claims About us Videos Compliance Privacy Policy Your Duty of Disclosure Review us on Google Search Site Blog More Pay by Credit Card Three Easy ways to maintain your insurance cover 1 - You can pay by Credit Card over the phone by calling 1300 78 11 45 , or pay online with the button above on this page. 2 - You can pay via BPAY and pay with your own internet banking. 3 - You can pay conveniently at any local Post Office by Post Billpay using cheque or EFTPOS . How to Pay with a Credit Card now Have your Insure More @ invoice ready. Note the DEFT Reference Number on your invoice, the details are located at the bottom left of your invoice, underneath the DEFT payment symbol. Example: Deft Reference Number 12345*********** Click on 'Pay Your Invoice' to go to the DEFT payment window. 1. Enter your DEFT reference number as shown on your Insure More @ invoice. 2. Enter your credit card details. 3. Enter the amount due. 4. Enter your email address to receive a receipt & tick the box 'I am not a robot' to complete the transaction. How to Pay your Insurance Invoice using BPAY. Note the BPAY Biller Code: and Ref: details located to the lower left of your invoice, next to the BPAY symbol. Example: Biller Code: 20362 Ref: eg 123456789123456 Then go to your Bank or Financial Institutions internet banking and enter your insurance BPAY invoice details. Note our Biller account is shown as DEFT INSURANCE* or CBN Pty Ltd depending on your financial institution. Our system updates in 1 or 2 business days depending on your Bank, if you request a receipt it will be emailed the next business day. If you wish to change your insurance to monthly instalments, please contact us to discuss options. Use the form below if you would like a receipt emailed to you, or to send a message if you would like to mention anything at all. We welcome your feedback. If you have any trouble renewing your Holiday Home insurance, Landlords, Car, Business or Personal insurance, please let us know as soon as possible. Billpay

Secure your business with Welders Liability Insurance. Our Tuncurry & Taree offices offer top-notch Welders Liability Insurance for peace of mind. Home Insurance Type Contact us Pay & Renew Tuncurry Taree Coffs Coast News Feed & Blog Claims About us Videos Compliance Privacy Policy Your Duty of Disclosure Review us on Google Search Site Blog More Public Liability Insurance for Welders, Boilermakers & Fabricators Specialised Protection for High-Risk Metalwork Professionals Welding, boilermaking, and metal fabrication are among the highest-risk trades in the construction industry. With heat, sparks, and powerful equipment being essential to your daily work, having robust liability protection isn't just important—it's critical for your business survival. Comprehensive Coverage for Your Metalwork Business Whether you operate from your own workshop or travel to various job sites, our tailored insurance packages provide the specialized protection welders need. We understand the unique fire and injury risks associated with welding operations and can help secure appropriate coverage. How Public Liability Insurance Protects Welders When your work involves open flames, intense heat, and precision metalwork, the potential for accidents is significantly higher than in many other trades. Public liability insurance provides essential financial protection when: A fire starts from welding sparks Flying metal causes injury Equipment damages client property Completed work fails and causes damage or injury Critical Welding-Specific Considerations Important Welding Risk Factors: Fire Watch Requirements - Many policies require proper fire watch procedures Hot Work Permits - Documentation may be needed for coverage to apply Height Restrictions - Work above certain heights may have special conditions Site Safety Protocols - Adherence to safety standards is typically required Higher Premiums - Due to elevated risk, expect higher costs than standard trades Common Welding-Specific Exclusions: Work performed without proper certifications Underground or underwater welding Welding on pressure vessels without specific endorsements Work on aircraft, watercraft, or certain structures without special coverage Claims arising from improper isolation of flammable materials Non-compliance with Australian Standards for welding operations Get Specialised Welding Business Protection Don't trust your high-risk business to general insurance providers who may not understand the unique challenges of metalwork. Our specialists work with insurers experienced in covering welding operations. Complete our Public Liability Insurance quote form to receive options tailored specifically for welding professionals. We'll compare coverage from multiple insurers to find protection that addresses your specific risk profile. Call us today at 02 6555 5022 or complete our online form for a welding-specific insurance assessment. Start a Quote

Discover reliable Serviced Apartment & Unit Insurance. Protect your investment property with comprehensive coverage. Get expert advice today! Home Insurance Type Contact us Pay & Renew Tuncurry Taree Coffs Coast News Feed & Blog Claims About us Videos Compliance Privacy Policy Your Duty of Disclosure Review us on Google Search Site Blog More Serviced Apartment & Unit Insurance Coverage Options for Your Investment Property We provide specialised insurance for: Short-term rental apartments & units Holiday letting properties Serviced apartments Owner-occupied units Long-term rental apartments Comprehensive Protection Includes: Fire, storm, and malicious damage coverage Accidental damage options Public liability protection Contents and owner's fittings Loss of rental income Tenant damage protection Tailored coverage for your specific situation Two Easy Ways to Get Covered: Option 1: For Short-Term Rentals & Owner-Occupied Units Best for properties with stays under 3 months or owner-occupied units More tailored coverage options Access to multiple specialist insurers Personalised service from our team Option 2: For Long-Term Rentals (3+ months) Quick online form to submit all the information we need to provide a quote Important Coverage Notes: Cover varies between insurers which we will advise when we provide a quote. Been Declined Elsewhere? We specialise in finding solutions for properties that other insurers won't cover! With our access to multiple insurers, we can often secure coverage when others can't. Need Expert Advice? Call us: 02 6555 5022 Email: work@insuremore.com.au Hours: Monday-Friday, 9am-5pm Complete policy details provided in Product Disclosure Statement with your quote. Start a Landlords Quote Serviced Apartment Quote

Discover comprehensive Trades Liability Insurance tailored for tradesmen. Secure your business with our expert Trades Liability Insurance solutions. Home Insurance Type Contact us Pay & Renew Tuncurry Taree Coffs Coast News Feed & Blog Claims About us Videos Compliance Privacy Policy Your Duty of Disclosure Review us on Google Search Site Blog More Tradesman Protection: Your Business Safety Net Built for the Hard-Working Tradesperson As a skilled tradesperson, you put your expertise to work every day—building, creating, and solving problems for your clients. While you focus on delivering quality workmanship, we focus on protecting you from the unexpected! What Our Tradesman Insurance Packages Cover Our tailored Public Liability Insurance provides essential protection when accidents happen. When your work involves risk (and whose doesn't?), having the right coverage means you can confidently tackle jobs knowing you're protected. The Protection You Need: Public Liability Coverage - Financial protection if someone is injured or their property is damaged due to your work Tools and Equipment Coverage - Protection for your valuable trade tools Trailer Insurance - Coverage for your work trailer and its contents Personal Accident Protection - Income support if you're injured and unable to work How This Protection Works for You Imagine this scenario: You're working on a client's property when an accident occurs causing property damage or injury. Without proper insurance, you could face legal costs and compensation payments that might devastate your business. With our tradesman insurance, these costs are covered—allowing you to continue operating while the claim is resolved. What Sets Our Tradesman Coverage Apart We understand that every trade has unique risks. That's why we work with multiple insurers to find the perfect coverage for: Builders and carpenters Electricians and plumbers Welders and metalworkers Landscapers and gardeners And dozens more specialised trades! Ready to Protect Your Trade Business? Get your free, no-obligation quote today! Simply complete our Trades Public Liability Insurance Quote form, and we'll do the rest—comparing options to find your best coverage at a competitive price. Call us at 02 6555 5022 for personalised advice or start your quote online now. Your tools, your skills, your reputation—they deserve the best protection! Start a Quote

Discover comprehensive public liability insurance for your Business needs. Secure your business with our tailored Public Liability Insurance for Business. Home Insurance Type Contact us Pay & Renew Tuncurry Taree Coffs Coast News Feed & Blog Claims About us Videos Compliance Privacy Policy Your Duty of Disclosure Review us on Google Search Site Blog More Protect Your Business with Public Liability Insurance Shield Your Business From The Unexpected Every business faces risks. Whether you're a tradesperson on construction sites, running a salon, or managing a mobile service, accidents happen. Public liability insurance creates a financial safety net when the unexpected occurs, allowing you to focus on what you do best—running your business. What Does Public Liability Insurance Cover? This essential coverage protects you when your business operations cause: Injury to clients, customers, or members of the public Damage to someone else's property Emotional distress resulting from your business activities Your policy typically covers investigation costs, legal defense, and any compensation payments you're legally required to make—potentially saving you from devastating financial losses. Comprehensive Protection Options Customise your coverage with additional options: Tools and equipment protection Trailer insurance Product liability coverage Specific trade endorsements What's Not Covered? Standard policies typically exclude: Faulty workmanship rectification Damage to your own property Employee injuries (covered by workers' compensation) Registered vehicle incidents Asbestos-related claims Get Your Free, Tailored Quote Today Start a Quote

Comprehensive guide to marine cargo insurance: annual vs single voyage policies, ICC coverage types, real claims examples, and key exclusions. Home Insurance Type Contact us Pay & Renew Tuncurry Taree Coffs Coast News Feed & Blog Claims About us Videos Compliance Privacy Policy Your Duty of Disclosure Review us on Google Search Site Blog More Marine Cargo Insurance: Annual and Single Trip Coverage Explained Introduction Marine cargo insurance protects your goods in transit against physical loss or damage, whether you're shipping domestically within Australia or internationally. Whether you're a frequent shipper or making the occasional international purchase, there's a marine cargo policy designed for your needs. This guide covers the two main policy structures—annual open cover and single voyage policies—the coverage options available, and real-world claim scenarios. Policy Types: Which One Suits You? Annual Cover Best for: Businesses that ship regularly and frequently throughout a 12-month period. An open cover policy automatically insures all shipments falling within the agreed scope during a 12-month insurance period, without needing to notify your insurer for each shipment. You make an estimated declaration of total import or export value at the policy's start, then declare individual shipments as you send them (typically weekly or monthly). Premiums are adjusted at the end of the policy period based on your actual declared values. Key advantages: Lower cost-per-shipment through bulk premium rates Minimal administrative overhead—each shipment is automatically covered upon declaration Flexibility to adjust coverage as your trading patterns change More cost-effective for high-volume shippers Streamlined claims process with pre-agreed terms Coverage scope: The policy specifies the types of goods, countries of origin and destination, maximum limits per shipment, and valuation basis (usually invoice cost plus freight and insurance plus 10%, known as CIF+10%). Single Transit / Voyage Policies Best for: One-off shipments, occasional shippers, or businesses testing new suppliers or trade routes. A single voyage policy covers one specific shipment from origin to final destination. You purchase coverage for that shipment alone, paying a single premium upfront with no further adjustments or declarations needed unless the shipment details change. Key advantages: Simple, straightforward coverage for one-off shipments No ongoing declarations or administrative requirements Ideal for testing new suppliers before committing to regular imports Lower entry cost if you ship infrequently Flexibility to choose different coverage levels per shipment Coverage scope: The policy details the specific goods, their declared value, departure and destination points, and mode of transport. Australian providers offer single transit cover with maximums up to AUD 5 million, with minimum premiums from around AUD 350 per shipment. Transit Period and Coverage Timing Marine cargo coverage is "warehouse to warehouse"—it attaches when goods leave the warehouse or storage location at origin and continues through the entire journey, including transshipment and temporary storage, until delivery to the final warehouse at destination. Coverage terminates at the earliest of: Delivery to the final warehouse at destination Delivery to any other storage facility the carrier uses before the final destination 60 days after discharge from the overseas vessel (for sea transit) 30 days after discharge from aircraft (for air transit) If your goods regularly sit in bonded warehouses or port facilities beyond these time limits, you'll need to arrange separate storage cover or extend your marine policy. What's Covered: A Practical Look Physical loss or damage during transit: Accidental damage (collision, rough seas, accidents) Theft or pilferage Fire and explosion Total loss or partial damage Loss of non-delivery Broader protection (depending on endorsements): General Average contributions (when cargo is deliberately sacrificed to save the ship or other goods) Sue and Labour costs (reasonable expenses to minimise or prevent further loss, such as repacking or redirecting goods) Third-party liability (if your cargo damages someone else's property) Strikes, Riots, and Civil Commotion coverage (must be added; war risks typically excluded by default) Inland transport beyond the port (loading, unloading, storage at origin and destination) Specialist coverage available: Perishable goods (spoilage from unexpected delays or equipment failures) Temperature-controlled cargo (frozen goods, pharmaceuticals, flowers) Regulatory rejection (if goods are denied entry by customs or quarantine) Choosing the Right Policy for Your Business Choose Annual Open Cover if: You ship regularly (multiple times per month) You import or export to consistent routes and suppliers You want lower per-shipment costs and streamlined admin Your shipment values are predictable Choose Single Voyage Coverage if: You ship occasionally or one-off You're testing new suppliers or markets You want simplicity and no ongoing declarations Your shipping is irregular Choose ICC (A) if: Your cargo is high-value or fragile Goods are critical to your business continuity You need the broadest possible protection Choose ICC (B) if: You want reasonable protection at moderate cost Your cargo is standard commercial goods Theft during transit is unlikely (or can be added separately) Choose ICC (C) if: Your cargo is low-value or highly robust Goods are bulk commodities in sealed containers You're willing to accept limited protection to reduce cost Next Steps Work with us to: Assess your shipping frequency and value Choose the policy type (annual or single voyage) that fits your business Select the appropriate coverage level (ICC A, B, or C) Confirm your valuation basis and any additional endorsements (war risk, strikes, perishable goods coverage) Understand the warehouse-to-warehouse timing and time limits Arrange any specialist coverage (e.g., regulatory rejection, inland transport) Reach out to our Marine Cargo specialist Kirby today on 02 6555 5022 Get in touch today to obtain a quote Start a Quote

Discover comprehensive Home & Contents Insurance tailored for you. Protect your assets with our expert advice in Tuncurry & Taree, NSW. Home Insurance Type Contact us Pay & Renew Tuncurry Taree Coffs Coast News Feed & Blog Claims About us Videos Compliance Privacy Policy Your Duty of Disclosure Review us on Google Search Site Blog More Home & Contents Insurance Love Where You Live? Let's Protect It! Your home is more than four walls—it's where memories are made, treasures are kept, and life happens. That's why we're passionate about finding you the perfect protection for your sanctuary! Comprehensive Home & Contents Coverage That Works For You Get peace of mind with our tailored home insurance packages that shield you from life's unexpected moments: Storm, fire, flood and earthquake protection Theft and burglary coverage for your valuables Liability protection for accidents on your property Building coverage for your home, garage, and those DIY garden sheds! Make It Your Own Customize your coverage with popular add-ons: Accidental damage (for those "oops" moments!) Temporary accommodation when you need it most Fusion coverage for electrical mishaps And much more! Not Loving Your Quote? No problem! As insurance brokers with access to numerous insurers, we can shop around for you. Just ask for an alternative comparison—we love a challenge! Even Hard-to-Insure Properties Welcome! Many properties that have been declined elsewhere find their perfect match with us. Our relationships with a wide range of underwriters mean more options for you! Let's Chat About Your Home! Call us today at 02 6555 5022 for a friendly conversation about protecting what matters most. We'll provide a complete Product Disclosure Statement with your quote so you can make an informed decision with confidence! START NEW QUOTE FOR -> OWNER OCCUPIED - HOME & CONTENTS