We take the hassle out of insurance

At Cutcher & Neale, we know how important financial security and risk protection are. It’s for that reason we have a General Insurance division that works directly with you across a range of professional and business insurance services.

We aim to ensure that you and your business are not financially disadvantaged if accidents happen. We can help you review your current insurance needs and find cost-effective policies tailored specifically to your needs and exposure levels.

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What we do for you

Review
Review your current insurances to ensure they accurately reflect your needs and identify and discuss all exposures in your business that can be insured and should be considered as part of your insurance program.
Market
Market your insurances by securing quotes from suitable underwriters whose policy coverage meets the needs of your business whilst ensuring the premiums payable by you are extremely competitive.
Compare
Provide a policy comparison between each insurer that has been engaged so a fully informed decision can be made about what is the most appropriate insurance to acquire.
Manage
Manage all insurance that you hold including your professional indemnity, business, and domestic (Home & Contents / Car / Landlords etc) to ensure one contact point for all your insurance related enquiries and needs.
Review
Review your current insurances to ensure they accurately reflect your needs and identify and discuss all exposures in your business that can be insured and should be considered as part of your insurance program.
Market
Market your insurances by securing quotes from suitable underwriters whose policy coverage meets the needs of your business whilst ensuring the premiums payable by you are extremely competitive.
Compare
Provide a policy comparison between each insurer that has been engaged so a fully informed decision can be made about what is the most appropriate insurance to acquire.
Manage
Manage all insurance that you hold including your professional indemnity, business, and domestic (Home & Contents / Car / Landlords etc) to ensure one contact point for all your insurance related enquiries and needs.

Key types of business cover you need

Professional Indemnity Insurance

The threat of claims and litigation is very real for Australian businesses and can potentially lead to bankruptcy. This is why if your business provides any kind of professional services and/or advice, you should strongly consider having professional indemnity insurance.

Liability Insurance
Despite a business' best intentions, sometimes accidents still happen. Product liability insurance protects against claims of personal injury or third-party property damage caused by products that have been manufactured, sold or supplied by your business. In particular, it can help to cover the potentially significant costs associated with legal and court costs.
Business Insurance
Having adequate general business insurance cover is one of the most fundamental parts of being in business. It provides invaluable protection against a range of risk events – from equipment and assets to legal liability – reducing financial uncertainty and protecting 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.
Property Insurance
A must if you have one or more business premises. Property insurance provides financial protection in the event they are damaged or destroyed in a one-off event.
Cyber Insurance
Every business with an online presence is at risk of a cyber attack. As digital technology has become more and more inseparable from the operations of most businesses, having cyber insurance has become more and more important.
Professional Indemnity Insurance

The threat of claims and litigation is very real for Australian businesses and can potentially lead to bankruptcy. This is why if your business provides any kind of professional services and/or advice, you should strongly consider having professional indemnity insurance.

Liability Insurance
Despite a business' best intentions, sometimes accidents still happen. Product liability insurance protects against claims of personal injury or third-party property damage caused by products that have been manufactured, sold or supplied by your business. In particular, it can help to cover the potentially significant costs associated with legal and court costs.
Business Insurance
Having adequate general business insurance cover is one of the most fundamental parts of being in business. It provides invaluable protection against a range of risk events – from equipment and assets to legal liability – reducing financial uncertainty and protecting 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.
Property Insurance
A must if you have one or more business premises. Property insurance provides financial protection in the event they are damaged or destroyed in a one-off event.
Cyber Insurance
Every business with an online presence is at risk of a cyber attack. As digital technology has become more and more inseparable from the operations of most businesses, having cyber insurance has become more and more important.

General Insurance Financial Services Guide

Download our guide here.

Specialised policies for your circumstances

Contract Works

You need contract works insurance in place before a peg is put into the ground. Many things can go wrong where building works are involved, whether that be at excavation or even completion stage of any project. This insurance is designed specially to provide any physical and related party liability damage as well as loss of building materials, fire and malicious damage.

Management Liability

If you have a small to medium sized private company, you could be protected by a policy that covers claims from a wide range of management liabilities. Things such as director's and officer's liability, company reimbursement, company liability and employment liability could be considered.

Business Interruption

Business interruption insurance is designed to cover the shortfall in gross profits caused by the interruption to your business. If a disaster or other insured event forces you to close your doors for an extended period of time, this type of insurance covers your financial liabilities, allowing the quickest possible resumption of normal business.

Motor Insurance

One of the more common types of business cover. Motor and vehicle insurance protects your business fleet against costs arising from theft and accidents. Your policy can be tailored to include a range of commercial vehicles from cars and motorbikes to vans, trucks and even buses and heavy motor vehicles.

Business Equipment
If you have mobile plant and equipment, we can arrange to ensure they are properly insured. This protects both the equipment and, importantly, the liabilities associated with its use.
Strata
Strata Insurance offers you peace of mind by providing liability cover in the event people are injured on common property. Typically it includes cover for lifts, pools, car parks, stairwells, gardens, wiring, balconies, walls, windows, ceilings and floors.
Contract Works

You need contract works insurance in place before a peg is put into the ground. Many things can go wrong where building works are involved, whether that be at excavation or even completion stage of any project. This insurance is designed specially to provide any physical and related party liability damage as well as loss of building materials, fire and malicious damage.

Management Liability

If you have a small to medium sized private company, you could be protected by a policy that covers claims from a wide range of management liabilities. Things such as director's and officer's liability, company reimbursement, company liability and employment liability could be considered.

Business Interruption

Business interruption insurance is designed to cover the shortfall in gross profits caused by the interruption to your business. If a disaster or other insured event forces you to close your doors for an extended period of time, this type of insurance covers your financial liabilities, allowing the quickest possible resumption of normal business.

Motor Insurance

One of the more common types of business cover. Motor and vehicle insurance protects your business fleet against costs arising from theft and accidents. Your policy can be tailored to include a range of commercial vehicles from cars and motorbikes to vans, trucks and even buses and heavy motor vehicles.

Business Equipment
If you have mobile plant and equipment, we can arrange to ensure they are properly insured. This protects both the equipment and, importantly, the liabilities associated with its use.
Strata
Strata Insurance offers you peace of mind by providing liability cover in the event people are injured on common property. Typically it includes cover for lifts, pools, car parks, stairwells, gardens, wiring, balconies, walls, windows, ceilings and floors.

Meet the team

Andrew Harrison

Director & Insurance Advisor

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Director & Insurance Advisor

Andrew Harrison

Andrew Harrison has spent two decades in the general insurance industry and has worked in many facets of insurance from specialised sports and construction insurance through to international and domestic brokers.

Authorised Rep Number: 1260330

Jarrod Bramble

Director

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Director

Jarrod Bramble

Jarrod is the Managing Partner of Cutcher & Neale's Medical Services Division. Jarrod takes the time to understand his client’s motivations and goals in order to provide them with tailored advice to help them build and protect their wealth and works closely with Andrew to build tailored solutions.

Stuart Chan

Director

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Director

Stuart Chan

Stuart is a Partner of Cutcher & Neale's Medical Services Division. Working closely with his clients to better understand their personal and financial circumstances, Stuart's aim is to help clients achieve their goals. Stuart works closely with Andrew to find effective solutions for each client's unique circumstances.

Lily Brown

Client Liaison

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Client Liaison

Lily Brown

Lily has an intimate understanding of the medical industry and enjoys working with clients to ensure they are provided with excellent, timely service.

Lily has completed her RG146 Tier 1 in Insurance Broking and is currently undertaking her Diploma of Insurance Broking.

Testimonials

BRISBANE
Suite 5, 36 Agnes Street,
Fortitude Valley, QLD, 4006
Australia

NEWCASTLE
Level 3, 130 Parry Street,
Newcastle West, NSW, 2302
Australia

 

SYDNEY
Suite 1102, Level 11, 20 Berry Street,
North Sydney, NSW, 2059
Australia

PHONE
1800 988 522

EMAIL
cnmail@cutcher.com.au