Insurance Broker Sydney

Business, property and specialist insurance advice from Bondi Junction

Looking for an insurance broker in Sydney? Clarke Lyons Insurance helps businesses, professionals and property owners explore insurance suited to their activities, assets and risks.

From small business insurance and professional indemnity to commercial property, strata and cyber cover, we help you understand the options available, compare policy terms and make an informed decision.

Request a quote or ask us to review your existing insurance.

Insurance advice that starts with your risks

Clarke Lyons Insurance is an Australian-owned insurance brokerage based in Bondi Junction, Sydney. We work with individuals, businesses and organisations seeking general insurance for their operations, property and valuable assets.

An insurance policy should reflect what you actually do and own. Before approaching insurers, we seek to understand your activities, contracts, premises, claims history and concerns. We can then help you compare available cover, including its limits, excesses, conditions and significant exclusions.

Whether you are arranging your first policy or reviewing cover before renewal, you can speak with a Sydney insurance broker about the protection you need.

Business insurance brokers in Sydney

Business insurance needs vary by industry. A consultant giving advice, a retailer selling products and a landlord leasing commercial premises face different types of claims and losses.

Clarke Lyons helps Sydney businesses explore insurance arrangements that reflect their work, property and contractual requirements.

Small business and SME insurance

A business insurance package may combine cover for property, stock, equipment and liability. We help small and medium businesses review the risks they face and consider which policies or package sections may be relevant.

Public and product liability insurance

Public liability insurance may respond to certain claims involving injury to another person or damage to their property. Product liability addresses certain claims connected with products a business makes, sells or supplies. The cover required depends on your activities and policy terms.

Professional indemnity insurance

Professional indemnity insurance is relevant to businesses that provide advice or professional services. It may respond to specified claims involving alleged mistakes, negligence or omissions in that work. It is important that the services described in the policy accurately reflect what you do.

Cyber insurance

A cyber incident can involve ransomware, compromised systems, lost data or an interruption to trading. Cyber insurance may help with specified response, recovery and liability costs. We can help you assess the cover available for your business’s digital risks.

Business interruption insurance

An insured event can affect your income even after physical damage has been repaired. Business interruption insurance may help with specified financial losses and ongoing costs while a business recovers. The insured trigger, calculation method and indemnity period all matter.

Need cover for your business? Request a business insurance quote or an existing-policy review.

Commercial property and strata insurance

Property insurance should account for the building, how it is used and what it could cost to rebuild or repair after an insured event.

Commercial property owners insurance

If you own an office, shop, warehouse or other commercial property, we can help you explore building insurance alongside relevant liability and loss-of-rent options. Tenant activities, vacancies and planned works can affect the cover available.

Strata insurance

We assist with strata insurance enquiries for owners corporations and strata schemes. A review should consider the building and common property, relevant liabilities, rebuilding values, excesses and the scheme’s requirements.

Specialist insurance for complex risks

Some businesses and projects need cover beyond a standard business package. Clarke Lyons can assist with enquiries for:

Directors and officers insurance: Cover for specified claims arising from actions taken in leadership roles.
Management liability insurance: Protection for selected risks associated with managing a business.
Technology and IT liability insurance: Cover relevant to software, IT services and technology-related professional claims.
Contract works insurance: Protection for specified damage to construction works and materials during a project.
Marine and cargo insurance: Cover for goods against specified loss or damage while in transit.
Asbestos insurance: Specialist insurance enquiries involving asbestos-related work or exposures.

The availability and scope of specialist insurance depend on the risk, the insurer and the policy offered. Tell us about your activities in detail so we can help you assess suitable options.

Prestige home and valuable asset insurance

Through Luxsure Insurance, Clarke Lyons also assists with insurance enquiries for high-value homes and valuable assets, including prestige vehicles, jewellery, watches, fine art and collections.

A prestige property may require closer attention to its rebuilding cost, distinctive features and valuable contents. We can help you explore the available cover and understand how the proposed policy treats those assets.

What does an insurance broker do?

An insurance broker helps you present your risk to insurers, explore available policies and understand the differences between them. That can include explaining limits and exclusions, assisting with changes at renewal and helping you navigate the claims process.

The cheapest premium does not always buy equivalent cover. When comparing quotes, consider:

What activities, property and events are insured.
The policy limit and excess.
Significant exclusions and conditions.
Any requirements imposed by a client, lender or lease.
The total cost, including applicable fees and charges.

The insurer determines whether it will offer cover and assesses claims under the policy terms.

Why work with Clarke Lyons Insurance?

A clearer picture of your cover

We help you review the insurance you have, the protection you are seeking and the questions that need answering before you proceed.

Options suited to the enquiry

We can approach available insurers and help you consider their proposed terms. Options depend on the details of your risk and each insurer’s appetite.

Support as circumstances change

A new contract, property, service or business activity can change your insurance needs. We can help you review your arrangements when those changes occur, not just at renewal.

Help during a claim

If you need to make a claim, we can assist with communication and the information requested by the insurer. The insurer decides the claim outcome in accordance with the policy.

When should you review your insurance?

Reviewing insurance before renewal gives you time to check whether it still reflects your circumstances. You should also consider a review when you:

Start a business or introduce a new service.
Sign a contract with insurance requirements.
Buy, lease or renovate a property.
Increase your stock, equipment or insured values.
Begin importing, exporting or selling new products.
Change your use of subcontractors.
Acquire valuable possessions.

If something has changed, tell your broker promptly so the effect on your existing cover can be considered.

Insurance broker Sydney: frequently asked questions

Where is Clarke Lyons Insurance based?

Clarke Lyons Insurance is based in Bondi Junction, Sydney. We assist with business, property, liability and specialist insurance enquiries.

Can you help a small business arrange insurance?

Yes. Tell us what your business does, where it operates and whether a client or contract requires particular insurance. We can then help you explore available options, subject to insurer acceptance.

Can you review insurance arranged elsewhere?

You can provide your current policy documents and renewal dates to discuss a review. Keep existing cover in place until any replacement insurance has been confirmed.

Is using an insurance broker cheaper than buying direct?

A broker does not guarantee the lowest premium. The value of a broker includes help assessing your risk and comparing the cover, conditions and service offered alongside the price.

How is an insurance broker paid?

Depending on the arrangement, remuneration can include a broker fee, insurer-paid commission or both. Ask for an explanation of the premium, applicable fees, taxes and total amount payable before proceeding.

Does receiving a quote mean I am insured?

No. Confirm that the insurer has accepted the risk, the policy start date and any outstanding conditions before relying on the cover.

What should I have ready to request a quote?

A description of your business or property, any current insurance documents, relevant claims history and the cover you need are a useful starting point. We may ask for further details depending on the risk.

Speak with a Sydney insurance broker

Whether you need a new policy, a second look at your existing insurance or cover for a specialised risk, Clarke Lyons Insurance can help you understand the options available.

Contact our Bondi Junction team to request a quote or arrange an insurance review.

This page provides general information. Insurance is subject to insurer acceptance and the relevant policy wording, schedule, endorsements, limits, excesses and exclusions.