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Everest Risk Group offers a wealth of experience in providing specialist advice and tailored insurance solutions.

We often find insurance buyers are unaware of major deficiencies within their Insurance Programme, such as:

  • Narrow coverage which has not been tailored to address the services or activities undertaken by their business
  • Ambiguous clauses / gaps in cover
  • Contractual liability exposures
  • Hidden exclusions
  • Poor claims management services

It is our strategy to work with you to fully understand your business model and associated exposures and tailor a solution which meets both your financial and risk transfer needs.

Our focus is not to seek “quick fix” solutions or “cheap” quotes which are not sustainable through the hard market cycle. Rather we will select insurers who have a long-term commitment to underwrite your business industry segment, ensuring continuity and consistency of cover and a greater degree of pricing stability backed by efficient claims departments.

We seek to actively engage you in the journey of the insurance buying process, so you understand the full scope of its protection before a claim occurs.


Everest Risk Group has an experienced and well-resourced team that will provide:

  • A review and audit service of your existing insurance program / policies
  • An individually negotiated service agreement and schedule of fees
  • A Risk analysis
  • Comprehensive Insurance Renewal Report summarising covers, our negotiations, recommended insurers, and premium costs
  • Analysis and advice on major uninsured exposures
  • A Partnered approach to claims management and resolution


Combined Business Insurance

Having Business Insurance is the most fundamental insurance for a range of business owners. A Business Insurance policy is a packaged policy which can be tailored to cover your building, business assets, business interruption, burglary, glass, legal liability and a range of other risk events. This policy will protect your livelihood and that of your workforce. Insurance companies provide a wide variety of general Business Insurance policies so it’s essential to get the right one for your needs.

Business Interruption Insurance

From your family and employees to customers and suppliers, there are a lot of people who are dependent on your business. Given this, have you ever considered what would happen if you were unable to operate due to crucial assets being damaged or destroyed by a major event like fire, flood, significant storm damage or an earthquake?

Business Interruption Insurance is designed to replace business income lost as well as paying the expenses that continue in the event business is halted or partially disrupted due to such insured events.

Professional Indemnity

This specialised area of insurance covers liability arising from the ‘professional services’ provided by a business. A business can be pursued legally with relation to negligent advice and without insurance, the cost to defend and pay such a claim can financially disrupt business of all sizes. Whilst typically traditional occupations such as accountants, consultants, financial services, engineers, architects, and real estate agents purchase this cover, any professional providing advice-based services will require this cover.

Motor Insurance / Commercial / Heavy Motor Insurance

Motor insurance protects your business fleet against costs arising from theft and accidents including third party property damage.

Marine & Hull Insurance / Goods in Transit Insurance (Import/Export/Local)

Marine insurance is designed to provide peace of mind, whether you have a boat or pleasure-craft or if you are moving cargo across water, land or air. Marine transit covers provides point-to-point coverage between your premises and those of your customers/suppliers.

Contract Works Insurance

You need contract works insurance in most cases prior to any form of building works commencing. Many things can go wrong where building works are involved, whether that be at excavation stage, during the building phase or completion stage of any project.

Contract works Insurance is designed to provide cover

  • Property damage or personal injury to others
  • Loss or damage to your project due to fire, storm and a range of other risks
  • Loss or damage to materials on the work site

Corporate Travel Insurance

Travelling for business purposes comes with a host of common and complex risks including unforeseen medical expenses, loss of baggage, unforeseen cancellation costs, missed flights, rental car insurance excess and personal accident. A Corporate Travel policy can be arranged on an annual basis covering all your staffs anticipated local and overseas travel.

Industrial Special Risks Insurance

The ISR policy provides property damage and ensuing business interruption (consequential loss) cover for medium to larger companies. Companies that have an insurable value of approximately $5-$10m or more often qualify for an ISR policy. The policy is designed to protect physical assets, including buildings, stock, plant and machinery and other property. This is an ideal product for property owners with a large asset bases and multiple locations they wish to insure under the one policy.

Public & Products Liability Insurance

Public Liability Insurance protects your business against the financial risk of being found liable to a third party for death or injury or loss or damage to property. Many policies also extend to include Product Liability. If you sell, supply, or deliver goods, including repair or service, you may need cover for claims against you where goods have caused injury, death, or damage. Importantly, the policy also provides cover for your legal defence costs.

Strata Insurance

Strata insurance is insurance the owners corporation (also known as the body corporate) is obliged to take out to cover the building, common property and common area contents of a strata scheme along with Public Liability risks for injuries that can occur at the insured location.

Insurance is available for both residential strata and commercial strata properties. It is mandatory to hold Strata Insurance which conforms to each state’s relevant legislation in Australia.

Home & Contents Insurance

For most Australians, the family home is the biggest investment they ever make. This means it is essential to protect it with the right insurance cover. Home insurance provides cover for costs associated with re-building or repairing damage to your property because of certain events such as fire, storm, theft and accidental damage. The extent of cover you receive is based on the type of policy you purchase. We have access to leading policy wordings which provide many additional benefits.

Cyber Insurance

Given the global proliferation of digital technology, and unscrupulous figures seeking to exploit it, cyber risk has become one of the leading risk factors for businesses.

Some risks Cyber insurance can cover are:

  • Business interruption loss due to a network security failure or attack, human errors, or programming errors
  • Data loss and restoration including decontamination and recovery
    Incident response and investigation costs
  • Crisis communications and reputational mitigation expenses
  • Liability arising from failure to maintain confidentiality of data (privacy breach)
  • Liability arising from unauthorised use of your network
  • Network or data extortion / blackmail (where insurable)
  • Online media liability
  • Regulatory investigations expenses

Directors & Officers / Management Liability Insurance

The role of a company director is to govern a company on behalf of the shareholders or members of that company.

The Corporations Act 2001 specifies various duties of a director in their capacity as a director of a company including but limited to care and diligence, good faith / best interests of the company, not to improperly use their position or information, not trading whilst insolvent, ensure financial information disclosed by the company is correct, disclosure of conflicts of interests and continuous disclosure obligations for listed companies.

Small to medium sized private companies can be protected by a Management Liability policy which is specifically designed for private companies and its directors. The policy can include a wide range of coverages including directors and officer’s liability, company reimbursement, company liability, employment practice liability, statutory fines and penalties, and employee/third party crime.

Listed and unlisted companies can purchase a Directors & Officers Liability policy to protect directors against alleged wrongful acts in their capacity as a director.


One size rarely fits all when it comes to insurance. Everest Risk Group understand every industry is unique, with its own specific risks to be factored closely into your insurance strategy. It is by specialisation we can offer our clients complete confidence our services come from expertise. Expertise you can trust. We specialise in providing tailored industry-specific solutions, based on years of first-hand experience, past claims experiences as well as key insights gained from industry research.

Dedicated in-house claims service:

We believe the truest test of any adviser/client relationship is the provision of a fast and efficient service should you need to make claim.