What We Do
Insurance Advisernet
95,000
$850m
190,000
What We Do At
HMD Insurance Brokers.
Insurance and risk advice is no time for compromise. At HMD, we bring a high-end service and advisory approach to the Australian middle market. We provide expertise and advice in all facets of insurance and risk management across a wide range of industry segments. Our personalised approach provides strategic market insight and tailored advice to deliver innovative, client centric solutions. It’s vital to have access to multiple insurance and risk options so once identified, your needs can be effectively met. Ultimately, we see our role as your dedicated insurance and risk partner protecting both your personal and business assets.
General Insurance
Our general insurance advice goes beyond simply procuring an insurance policy. We will take the time to understand every detail of your organisation. Conduct an analysis of your risk needs and recommend the most appropriate covers to protect your assets and liabilities.
Our expertise spans across all classes of business and domestic insurance including, Property, Business Interruption, Liability, Directors’ & Officers’, Cyber, Professional Indemnity, Medical Malpractice, Clinical Trials, Contract Works, Marine, Home & Contents, Travel and Motor.
Risk Advisory
We provide risk advisory services to small businesses that are starting on their risk management journey, through to larger organisation that are seeking practical guidance and insights into designing and implementing a risk management strategy.
Workplace Risk
We provide workplace risk advisory services through our dedicated team of specialist consultants. We assist our clients in both work health & safety (WHS) and workers compensation to deliver the right advice and protection for your employees.
Claims Advocacy
The true value of any insurance program and insurance adviser is most evident following the unfortunate event of a claim. At HMD, we work for you as your advocate, to ensure your insurance policy responds in the manner you expect – a satisfactory settlement finalised in a timely manner. This will enable your organisation to continue to operate with the lowest possible impact on your day-to-day operations.
Alternative Risk Transfer
Alternative risk transfer (ART) strategies can take many forms and is an effective way to retain or pool risk. Organisations considering ART should have an appetite to take ownership of their risk and a commitment to risk management. Benefits of an ART solution can include:
- Price stability – smoothing of insurance premiums during adverse market conditions.
- Flexibility to develop tailored coverage – provide funding and cover for high-risk events not insurable in the commercial insurance market.
- Direct access to reinsurance markets.
- Greater control over claims outcomes.
- The ability to earn investment income on premiums paid and share in underwriting profit.
- Funding to improve risk management or provide premium relief in future years.
Insurance
Services.
Every year thousands of Australian business owners benefit by choosing to work with Insurance Advisernet and our nationwide network of insurance advisers.
A great way to start is reviewing your current insurance and exploring if better and more effective options are available by speaking with an authorised Insurance Advisernet Adviser near you.
SME Business Insurance
Business Insurance is used by many businesses, but it’s best suited to SME-type operators
Business Interruption Insurance
From your family and employees to customers and suppliers, there are a lot of people who depend on your business opening its doors each day.
Contract Works Insurance
Contract Works Insurance provides cover for any physical damage of works or third party liabilities during construction stages of a project.
Cyber Insurance
Technology has never been so deeply entwined in our businesses. While it delivers significant efficiencies and convenience, it also comes significant cyber risks.
Directors & Officers/Management Liability Insurance
Many small and medium-sized business owners think they don’t need Directors & Officers(D&O) insurance as it’s only relevant to large multi-national companies. However, D&O insurance is just as important to SME’s as any other business.
Home Insurance
For most people, the family home is the largest asset they’ll ever own. This means it is essential to protect it, inside and out, with the right insurance cover. After all no one wants to discover they’re inadequately insured when it’s too late.
Clinical Trials Insurance
Clinical trials insurance is a special policy that protects trial sponsors, doctors, and locations if a volunteer gets hurt. It covers no-fault compensation for unexpected harm and legal liability if someone sues for mistakes or negligence.
Corporate Travel
Corporate travel insurance covers directors, employees, and often their families for domestic and international work trips. It protects against medical emergencies, flight cancellations, lost luggage, and liability, including 24/7 global assistance and personal accident protection.
Medical Malpractice Insurance
Medical malpractice insurance covers healthcare providers and medical businesses against financial loss and legal costs from claims of clinical negligence, errors, or omissions.
Liability Insurance
Despite the very best of intentions, accidents can still happen in any business. Public and Product Liability Insurance protects you against claims for personal injury or damage to a third party.
Marine & Hull Insurance
Do you operate a marine business and/or transport goods? Marine Insurance is designed to provide peace of mind when you have a ship or vessel that requires insurance, or you are moving cargo across sea, land or air.
Motor Insurance
Policy provides coverage for physical loss, damage or theft to your vehicle. It can be extended to cover Loss Damage or injury to a third party.
Professional Indemnity Insurance
Professional Indemnity (PI) Insurance isn’t just limited to typical ‘professions’ such as accountants, engineers, lawyers, doctors and architects. Essentially, anybody providing advice or consultancy services for a fee has an exposure that needs to be considered.
Plant & Equipment Insurance
Plant & Equipment Insurance is important for a wide variety of businesses that rely on mobile plant and equipment to continue their business activities. It protects the equipment itself, but also the liabilities associated with its use, from portable tools and the smallest of earthmoving machines, to forklifts and the largest of cranes.
Property Insurance
Cover for loss or damage to your physical business assets in the event of an incident occurring.
Social Engineering Fraud
Social Engineering Fraud (SEF) is when a fraudster gains the trust of an individual, usually within a role of influence within a business, and ‘tricks’ them into sharing confidential information or even transferring funds directly to the criminal.
Strata Insurance
Every owners’ corporation (also known as the body corporate) is obliged to take out Strata Insurance to cover the building, common property and common area contents of a strata scheme. Insurance is available for both residential strata and commercial strata properties.
Workers’ Compensation
While some occupations and industries have a higher risk of workplace incidents and/or fatalities than others, Workers’ Compensation is compulsory for all Australian employers. It provides financial compensation to workers if they suffer a work-related injury or illness.
Client Experiences That Speak for Themselves
“I was recommended to David from HDM 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!”
Our purpose is to provide the highest quality service and advice so our clients can continue to operate with the lowest possible impact following an insurable event.
Large & Complex Organisations
The risks faced by Directors and Executive Management of large organisations have a high degree of complexity and continue to be closely scrutinised by regulators and shareholders. At HMD, we work with you to understand your risk profile and deliver insurance and risk insights as to how industry trends, changes in legislation, and the current political landscape can impact your organisation.
Our expertise, comprehensive governance frameworks and risk management advice will help you to align your risk financing and insurance strategy to your business objectives to help you remain ahead of the curve and your competition.
We focus on working in partnership with you to:
- Proactively identify risk
- Understand the existing risk management controls you have in place
- Consider the broadest possible range of risk financing and insurance solutions available
- Create a risk transfer solution which strikes a balance between the resources and appetite of your company to manage risk, versus transferring risk to insurers.
Associations & Clubs
HMD provides advice to many not-for-profit groups, such as industry associations and clubs. We provide insurance and risk solutions for the benefit of both the organisation and its members. We will engage with you and your membership to understand your shared risk exposures and insurance needs to help foster a strong community.
We will work collaboratively with you to:
- Understand the risk and insurance needs of your organisation and members
- Provide risk management insights, industry trends and shared learnings
- Leverage the combined scale of your members to maximise the benefits of your group insurance program
- Deliver claims advocacy, analysis, and ongoing education of members
Mid-sized & Growing Businesses
Business insurance can be complicated, we help business owners to grow with confidence by designing strategies that maximise cover and minimise cost. We will work with you arrange a tailored insurance program to safeguard you against the insurable risks of operating your business. We will then take the time to explain how your insurance program protects you, so you can better plan for any future disruptions to your operations.