Specialist Insurance Brokers for Australian Businesses.
Why you should choose
HMD Insurance Brokers.
We offer the strength and market reach of a national insurance broker, with the personal touch of a principal-owned business. We take the time to understand your operations, your exposures, and your goals; becoming a genuine extension of your team. The result is a tailored insurance and risk management program built around your business, not a one-size-fits-all policy pulled off the shelf.
With over 40 years of combined insurance and risk management experience, our team brings deep technical knowledge across a wide range of industries and commercial lines. We help clients navigate the complexities of the insurance market and go beyond policy placement, providing strategic insight on how regulatory change, industry trends, and emerging risks can impact your organisation and your cover.
We don’t wait for renewal to engage with our clients. Our approach is proactive, client-centric, and built around regular communication and risk reviews throughout the year. As a principal-owned firm, a Director of HMD is involved in every client relationship, ensuring consistency, accountability, and a standard of service that larger broking houses simply can’t match.
Specialities With Industry Focus
Client Experiences That Speak for Themselves
“I was recommended to David from HMD Insurance, so I decided to give him a call. After reviewing my insurance policy from an online provider, he pointed out that it was completely unsuitable for our business structure. It’s essential to get the correct advice. Thank you!”
Your Trusted Partner in Insurance and Risk Management
General Insurance
Risk Advisory
Workplace Risk
Claims Advocacy
Hear Directly
From HMD Insurance Experts
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Frequently Asked Questions
Everything You Need to Know About Our Insurance and Risk Solutions — Your Most Common Questions Answered in One Place
What's the difference between an insurance broker and an insurer?
An insurance broker like HMD works for you, not the insurer. We access a wide panel of leading insurers to find the right cover at the right price for your specific situation. Going direct means you’re limited to one insurer’s products and relying on their staff who represent their interests, not yours. As your broker, we also advocate on your behalf at claims time, which can make a significant difference to the outcome.
What types of business insurance does HMD arrange?
We arrange a broad range of commercial insurance solutions including public and products liability, professional indemnity, management liability, property and business interruption, workers’ compensation, cyber insurance, marine cargo, and more. We also specialise in specific industries — including scaffolding, agribusiness, aged care, real estate, sport and leisure, and higher education — where we understand the unique risks involved.
How do I know if I have the right level of cover for my business?
Many businesses don’t discover gaps in their cover until they make a claim, by which point it’s too late. Our advisers conduct a thorough risk review of your business to identify exposures you may not have considered. We then tailor a program that aligns with your operations, contractual obligations, and risk appetite. We recommend reviewing your cover annually or whenever your business changes significantly.
What happens when I need to make a claim?
HMD provides dedicated claims advocacy throughout the process. We liaise directly with insurers on your behalf, help you prepare and lodge your claim correctly, and work to achieve the best possible outcome in the shortest time. You won’t be left navigating the process alone — we’re in your corner from first notification to final settlement.