Generated by All in One SEO v4.9.10, this is an llms.txt file, used by LLMs to index the site. # Oracle Group Insurance Brokers Business Insurance Brokers Australia ## Sitemaps - [XML Sitemap](https://oraclegroup.com.au/sitemap.xml): Contains all public & indexable URLs for this website. ## Posts - [Blog](https://oraclegroup.com.au/blog/) - Blog Articles Request A Quote Now! Please fill out the form below with your query, and a staff member will get back to you shortly, or give us a call on 1300 029 510 Please enable JavaScript in your browser to complete this form. Name * Email * Numbers DropdownNew South WalesNew South WalesWestern AustraliaSouth AustraliaQueenslandVictoriaTasmaniaNorthern - [4 Myths about Cyber Insurance Debunked](https://oraclegroup.com.au/4-myths-about-cyber-insurance-debunked/) - Cyber security is a top risk management concern for Australian businesses, with eight in 10 organisations hit by ransomware. And research shows small businesses are likely to have poor security practices due to common misconceptions about the threat. It is such a hot issue that the Federal Government appointed the first Minister for Cyber Security in a G20 - [If you Home Share, Check your Personal Property Cover!](https://oraclegroup.com.au/if-you-home-share-check-your-personal-property-cover/) - As of September last year, there were 251,000 short-term rentals registered across Australia, down from 400,000 pre-pandemic. However, not all short-term stays are registered. If you rent out your main residence, this article is for you. We’re sharing a swag of tips to help you manage your risks. Understanding property insurance To help protect your home from - [How do you Manage these Top 4 Hospitality Business Risks?](https://oraclegroup.com.au/how-do-you-manage-these-top-4-hospitality-business-risks/) - The past three years have been a whirlwind for hospitality businesses. While the pandemic seems to be on the wane, your business should still do everything reasonably practicable to reduce the risks of COVID-19’s spread, like keeping up to date on employers’ responsibilities via this Safe Work Australia website. Other, more inherent risks remain, though. A global - [How To Protect Your Business From Increasing Cyber Risks](https://oraclegroup.com.au/how-to-protect-your-business-from-increasing-cyber-risks/) - Cyber crime is the #1 risk for the nation’s businesses, with an incident reported every seven minutes on average to the Australian Cyber Security Centre (ACSC). To quantify those risks, a University of NSW book, Cybercrime in Australia: 20 years of inaction, estimates it cost the Australian economy $42 billion in 2021. As well, cyber risks - [OGA Wins 2023 IB Fast Brokerage Award!](https://oraclegroup.com.au/insurance-business-award/) - It’s official. We are thrilled to announce that, for the second time, Oracle Group Australia Wins the Fast Brokerage Award! This award elevates our position in the insurance market as an insurance network that is focused on growth and building a platform for our ARs and staff to thrive! As an AR Network led by active brokers, we - [Benefits of insurance: 3 reasons explained](https://oraclegroup.com.au/benefits-of-insurance/) - Most of us learn about insurance through personal experience or what we read in the news. It’s a subject rarely taught in schools or discussed readily as part of everyday life. As a result, not everybody has a grasp of what the real and many benefits of insurance are. The reality is that insurance plays - [Oracle Group Insurance Brokers NSW Announces Merger with Mutual Brokers Sydney](https://oraclegroup.com.au/mutual-ognsw-merger/) - Oracle Group Australia is starting the year off with an exciting merger in NSW! Wayne Knight and his team at Mutual Brokers Sydney have recently decided to merge with the NSW operations of Oracle Group Insurance Brokers led by Jacob Ross. The merger has been a natural progression for Mutual Brokers as there was a - [Why should you review your business insurance policy. 3 reasons explained](https://oraclegroup.com.au/review-business-insurance/) - All businesses, big and small, evolve over time. And as a business grows, develops, and changes, so should its insurance. Failing to have the right business insurance covers in place can leave a business vulnerable and could jeopardise its financial stability. Here are Oracle Group Australia’s top three reasons why you should review your insurance - [Breaking News: New Chairperson & Executive Changes](https://oraclegroup.com.au/new-chairperson/) - Last week at the OG national conference, MD Matthew Denehy announced that Jane Martin, Director of Oracle Group, has been appointed our new Chairperson, following Steven Campbell’s decision to step down as Board Chair after seven years at the helm. Jane is a complete superstar and a hard-working leader who has achieved so much in - [How to minimise the effects of severe weather conditions on your business](https://oraclegroup.com.au/severe-weather-business-insurance/) - Much of Australia has already been impacted by severe weather conditions throughout Spring. Events like LaNina brought rain, cooler days, tropical cyclones and unfortunately, widespread flooding in the whole country over the past few years. It’s not always easy to predict when the weather is going to turn nasty and damaging events are going to - [3 Reasons Why You Need Cyber Insurance](https://oraclegroup.com.au/3-reasons-why-you-need-cyber-insurance/) - We all think we are invincible, that a terrible thing like being hacked or some sort of cyber-attack is never going to happen to us. The Optus hack has us all rethinking that! Business owners have moved from thinking “It won’t happen to us, we’re too small” and instead are asking “Are we protected?”, “What - [Well-Being Matters: Why it’s Time to do a Wellness Check-In](https://oraclegroup.com.au/well-being-matters/) - About one in five Australians reportedly have a mental health condition, and the number is increasing. Work-related psychological injuries or mental health conditions are a significant concern for businesses. And it’s not just workers. Almost half of Australian SME owners say that running their businesses directly impacts their mental health and well-being, according to a recent MYOB - [How To Make Your Manufacturing Business Safer for Everyone](https://oraclegroup.com.au/how-to-make-your-manufacturing-business-safer-for-everyone/) - The Australian Work Health and Safety Strategy has called on the manufacturing sector to reduce its rates of fatalities and serious claims. This is an industry with the eighth-highest fatality rate and second-highest serious claim frequency rate in Australia – more than nine claims per million hours worked in 2019-20. The main cause of fatalities and injuries - [About To Sign a Commercial Lease? Check Out These Tips](https://oraclegroup.com.au/about-to-sign-a-commercial-lease-check-out-these-tips/) - Landlords' offers of rent reductions, rent-free periods, or fit-out contributions are handy sweeteners for SMEs looking to sign commercial leases. But these may be waning, with SMEs looking to lease 300sqm the lease most in demand across many sectors. Ensure your business follows these due diligence tips before signing a lease in this fluid environment. Permitted use - [How Early EOFY Prep Can Save Your Business Money and Time](https://oraclegroup.com.au/how-early-eofy-prep-can-save-your-business-money-and-time/) - Tax Time? No Problem: Getting Prepped for EOFY The end of each financial year (EOFY) can provoke mixed feelings in small and medium sized business owners. But, no matter how we feel about it, the EOFY paperwork has to be done, and preparation is key to a (fairly) painless process. Completing a few key steps - [Not the Same: Employee vs. Independent Contractor](https://oraclegroup.com.au/not-the-same-employee-vs-independent-contractor/) - Understanding the difference between an independent contractor and an employee is a problematic area of employment and related laws. The official business.gov.au website defines independent contractors as their own bosses, so they work for themselves. Meanwhile, employees work in your business, and you pay them a wage and control how, where and when they do their work - [Explainer: Why Home Replacement Cost Estimates Matter](https://oraclegroup.com.au/explainer-why-home-replacement-cost-estimates-matter/) - Up to eight in 10 homeowners are underinsured. It's a problem the Australian Institute of Quantity Surveyors (AIQS) is hoping to solve. It's lobbying for the insurance industry to compel residential property owners to have a professional replacement and assessment report before they can be insured. What do quantity surveyors do? Quantity surveyors are degree-qualified to advise on construction - [How a Business Continuity Plan Can Help Protect Your Firm](https://oraclegroup.com.au/how-a-business-continuity-plan-can-help-protect-your-firm/) - Why Your Business Needs a Plan: The Importance of Continuity in 2022 If some of the more popular buzzwords of the past two years were "flexible work" and "hybrid business", 2022's might be more along the lines of consistency and continuity. Going into a third year of upheaval isn't appealing and so smart businesses are creating plans to - [Is Your Business Across Its Employment Practices Liability?](https://oraclegroup.com.au/is-your-business-across-its-employment-practices-liability/) - Employment practices’ liabilities can be expensive, disruptive, and time-hungry to businesses. Claims are also rising. That’s because employment laws and regulations are complex and often change, so businesses can struggle to stay compliant. To help, we’ve compiled an update on the risks to your balance sheet and how to manage your practices more effectively. The risks of your - [What You Need To Know About the Claims Process](https://oraclegroup.com.au/what-you-need-to-know-about-the-claims-process/) - No business wants nasty surprises. So, when an adverse incident means you need to claim on your insurance policy, we will manage the process on your behalf. Our expertise will help save you time, money, and stress. In fact, a Deloitte report found brokers/advisers save their clients on average 11 hours a year, not just with faster - [How to Handle your Management Liability Risks Better](https://oraclegroup.com.au/management-liability-risks/) - More than 700 federal, state and territory laws apply to business owners, directors and managers when things go pear-shaped in their organisations. That means you, as a business owner, could be held personally liable. Your business could risk financial devastation through costs, fines, and settlement payouts. It’s a risk that could involve your personal assets, such - [How to put Resilience on Your Risk Management Radar](https://oraclegroup.com.au/resilience-risk-management/) - Since early 2020, you’ve probably focused on managing COVID risks for your business. But has that blinkered you from tackling other risks and building resilience? If so, you’re not alone. According to software platform Dataminr’s survey, Australian businesses’ biggest distractions for this year are: COVID (67%) Staffing (45%) Supply chain (40%) Cyber crime (40%) Climate change - [The effects of cutting or cancelling your business interruption insurance](https://oraclegroup.com.au/business-interruption-insurance/) - Economic uncertainty may have prompted you to reduce, change or cancel your business interruption insurance. That’s a natural reaction in these uncertain times. However, as your broker/advisor, we’re mindful of how that could impact your business and possibly come back to bite you. You’d know this essential cover replaces the business income you lose in ## Pages - [Home](https://oraclegroup.com.au/) - Advice, Insurance, Claims;working with you to protect your business. Insurance Services Choose from our most in demand products​ Business InsuranceProperty OwnersProfessional IndemnityCyber & Privacy ProtectionPublic LiabilityManagement LiabilityWorkers CompensationHome & Contents View Our Services Insurance Packages Find the right package for your business Property Assets Profits Liability People View Our Packages Insurance By Industry Bespoke industry - [Victoria](https://oraclegroup.com.au/locations/victoria/) - Oracle Group Insurance Brokers - Victoria "You’ll love every piece of our insurance, protection and service” Digital Quote and Buy Use our online portal to quote and buy a variety of commercial insurance products. Quote & buy now Free Business Insurance Review Review of your current insurances and advice on what you can do to - [Directors and Management](https://oraclegroup.com.au/about-us/directors-and-management/) - About Oracle Group Insurance Brokers Directors and Management Who Are We The Oracle Group Insurance Brokers Board of Directors is charged with setting the strategic direction and providing the governance framework for the business. They provide direction and support for the management executive team based upon their expertise and experience gained through many years working - [Representatives](https://oraclegroup.com.au/representatives/) - Join Australia’s fastest growing group of Authorised Representatives Thirty-four ARs have partnered with the Oracle Group Insurance Brokers over the past 18 months. All of them attracted by our support and the freedom they have to run their own business. Apply today Strong Compliance Extensive Support Independence WHAT’S IN IT FOR YOU? An AR network - [Western Australia](https://oraclegroup.com.au/locations/western-australia/) - Oracle Group Insurance Brokers | Western Australia - Business cover giving you peace of mind. Insurance Services We are experts in protecting businesses. Browse our most in demand products. View our services Insurance by Industry We make it easy. Select from our bespoke industry-specific insurance. View our industries About Oracle Group Insurance Broker WA Oracle - [Contact](https://oraclegroup.com.au/contact/) - Contact Us For advice, support, or quotes with risk and insurance, contact our office on1300 776 346 or you can send e-mail info@oraclegroup.com.au If your enquiry is about or relating to a claim, please send our claims team an e-mail claims@oraclegroup.com.au Perth 1/110 Erindale Road, Balcatta WA 6021, AustraliaPhone: (08) 6454 0911GET DIRECTIONS Head Office: - [Financial Services Guides](https://oraclegroup.com.au/fsg/) - fsg - [Locations](https://oraclegroup.com.au/locations/) - Oracle Group Insurance Brokers – Locations Please select your State Get in touch Please fill out the form below with your enquiry, and a team member will get back to you shortly. Or you can simply give us a call on 1300 776 346 Please enable JavaScript in your browser to complete this form. Name - [Gold Coast](https://oraclegroup.com.au/locations/queensland/gold-coast/) - Oracle Group Insurance Brokers - Gold Coast, Queensland Use our online portal to quote and buy great value business insurance. Digital Quote & buy About Oracle Gold Coast Oracle Group Gold Coast offer an expertise that is second to none when it comes to providing insurance cover for business owners across Queensland. From caravan park - [Industries](https://oraclegroup.com.au/industries/) - Learn about our services More About Us Subscribe to our Newsletter Please enable JavaScript in your browser to complete this form. Name * Email * Submit - [Click below to access the FSG document](https://oraclegroup.com.au/oracle-fsg/) - fsg - [Profits](https://oraclegroup.com.au/insurance-packages/profits/) - Profits – insuring your shareholder rewards. Profit is the lifeblood of your business. It’s the sign that your business is healthy and well-run; a reward for the risk and investment that shareholders make; and critical for investing in the future of the business. Yet so few businesses insure their profits for when things go wrong. - [People](https://oraclegroup.com.au/insurance-packages/people/) - Insuring your people – the heart of your business. Your people are your business’s most valuable asset. They take care of customers, deliver services and manage all the operational, administrative and financial aspects to make it happen. Without them you would not have a business. Unfortunately, accidents at work can happen, so it is important - [Property and Assets](https://oraclegroup.com.au/insurance-packages/property-and-assets/) - Insuring your Property and Assets As the foundations of your business, there is a lot of money tied up in your property and assets. They are what you need to run your business, so if any become lost, stolen or damaged they need to be replaced. Urgently. WHAT WE COVER IN OUR PACKAGES Property and - [Public Liability](https://oraclegroup.com.au/insurance-services/public-liability/) - Public Liability Insurance – because accidents happen. During daily business activities, accidents and forgetfulness can happen. Yet they can also cause injury, losses, and damage. Public Liability Insurance protects your business for any damages that arise during these activities – whether to people or property, to whether your own or other people’s. It is vital - [Commercial Vehicle](https://oraclegroup.com.au/insurance-services/commercial-vehicle/) - Commercial Vehicle Vehicles – whether cars, trucks, utes, prime movers and trailers – are an important tool. When damaged, they are costing you money and it’s important to get them fixed fast. An effective insurance policy is vital in protecting vehicles used by your business from damages and liabilities. We tailor our insurance to each - [Cyber Insurance](https://oraclegroup.com.au/insurance-services/cyber-insurance/) - Cyber Insurance – why you need it. Australian businesses are under cyber-attack daily. Whilst mostly protected by IT security systems, they are all too often breached. The impact is akin to a digital fire with devastating costs that pile up, including reputational damage, make-good costs, business interruption costs, and the mandatory reporting of data breaches. - [Workers Compensation](https://oraclegroup.com.au/insurance-services/workers-compensation/) - Workers Compensation Insurance – a must have. Workers Compensation Insurance is a legislated, compulsory insurance. It protects employers from financial costs when a worker sustains a work-related injury or disease and pays for any medical, rehabilitation, and loss of income for your staff. What is Workers’ Compensation? Employers must provide workers’ compensation for anyone they - [Management Liability](https://oraclegroup.com.au/insurance-services/management-liability/) - Management Liability Management Liability Insurance covers the major areas of management responsibility and exposure in private companies, protecting your directors to do great work. Management includes all Directors, Officers and Senior Management, and by protecting we mean ensuring you don’t lose your house when making decisions for your company. You can focus on running the - [Business Insurance](https://oraclegroup.com.au/insurance-services/business-insurance/) - Business Insurance Oracle Group Insurance Brokers provides insurance for every type of business. Each one is unique which is why it pays to work with someone who understands your business. But there is one thing you all have in common. Owners have a lot of money tied up in their business. So, if anything becomes - [Home & Contents](https://oraclegroup.com.au/insurance-services/home-contents/) - Home & Contents Insurance – protecting precious assets. For most Australians their home is one of their most valuable assets, and its contents hold priceless memories. At Oracle Group Insurance Brokers, we understand that, and have negotiated with our insurance partners to bring you an affordable policy, without compromising on cover like cheaper competitors around. - [About Us](https://oraclegroup.com.au/about-us/) - About Oracle Group Insurance Brokers Our Promise To provide you with the insurance and risk solutions that gives you the best protection for your business and life. Our Client Charter We manage the insurer on your behalf. To manage your policies efficiently, we create a common renewal date. You only review your insurance protection once - [Disclaimer](https://oraclegroup.com.au/disclaimer/) - Disclaimer Retail ClientsUnder the Corporations Act 2001 (the Act) Retail Clients are provided with additional protection from other clients. The Act defines Retail Clients as: Individuals or a manufacturing business employing less than 100 people or any other business employing less than 20 people and that are purchasing the following types of insurance covers: motor - [Request a quote](https://oraclegroup.com.au/request-a-quote/) - Request a Quote Prefer to speak with someone? You can call us on 1300 776 346 - [Webinars](https://oraclegroup.com.au/about-us/webinars/) - Oracle Group Insurance Brokers Webinar Series - Navigating the Storm Missed the latest webinar? Click the link below to access the full recording. webinar recording Navigating the storm #2 - Avoiding the hidden reefs Webinar Recording 1. JobKeeper Explained – what you are and are not entitled to; traps to watch out forDene’s Presentation slides - [Construction & Trades](https://oraclegroup.com.au/insurance-industries/construction-trades/) - Insurance for the Tradies and Construction Construction and Trades boasts one of the largest private sector industries in Australia, employing over 1,285,000 people. It is a very complex environment as there is a great deal of OH&S obligations, with many different people and businesses involved in many different types of work. It involves large machinery - [Real Estate & Valuation](https://oraclegroup.com.au/insurance-industries/real-estate-valuation/) - Insurance for Real Estate & Valuation Professionals Australian’s love property. It’s where we live, work & play. It’s also a topic of national conversation dominating the media and barbecue chatter. Real estate agents play an important role in that, they help people buy, sell, rent, or manage property – commercial and residential. People rely on - [Mining Contractors](https://oraclegroup.com.au/insurance-industries/mining-contractors/) - Mining Contractors Insurance Mining is one of the major industries in Australia that powers our economy. It is also a complex work environment, much like Trades and Construction, with massive OH&S obligations, the multitude of people, businesses and types of work, and large machinery. Consequences of accidents in the mining industry are huge, and there - [Strata Insurance](https://oraclegroup.com.au/insurance-industries/strata-insurance/) - Strata Insurance (Residential and Commercial) You can’t insure your own unit in a multi-storey building, so Strata Insurance was designed to provide the individual unit holders of the building with cover for property damage, no matter the size or location of the building. We cover you for damages to the building, its contents, loss of - [Liability](https://oraclegroup.com.au/insurance-packages/liability/) - Insuring your business liabilities – peace of mind to focus on work. There are many, many responsibilities and obligations for running a business; a lot of them carrying significant penalties. It is also very common for business owners to misunderstand the levels of exposure they have. This is where Liability Insurance has you covered; freeing - [Professional Indemnity](https://oraclegroup.com.au/insurance-services/professional-indemnity/) - Professional Indemnity Trained, qualified – offering advice or a service? Whether a real estate agent or a graphic designer, you are potentially open to legal action, arising from a perceived or actual loss your customer experiences as you carry out your service. If alleged, you need to defend it. If proven, then you pay for - [Caravan Parks Insurance](https://oraclegroup.com.au/insurance-industries/caravan-parks-insurance/) - Caravan Parks Insurance Caravan parks, camping grounds, Big 4 Holiday parks are playgrounds for people on holidays. Relaxing, playing and leaving their daily worries at home. No wonder they get so full over summer and over the holiday periods. People escaping to fun. Yet they also bring their challenges. And with that the attendant risks, - [Quote and Buy Online](https://oraclegroup.com.au/insurance-services/quote-and-buy/) - Quote and Buy Online Use our online portal to quote and buy a variety of commercial and personal insurance products. If you need assistance, well that’s what we are here for – so please don’t hesitate to speak to any of our experienced client service brokers. Using any of the links below will redirect you - [Personal Accident](https://oraclegroup.com.au/insurance-services/personal-accident/) - Personal Accident – why you need it. Having Personal Accident & Illness (PA) insurance covers you for loss of income if you were unable to work as a result of an injury or illness. The cover is generally available regardless of whether or not you sustain injury or develop an illness due to your work. Anything - [Corporate Travel](https://oraclegroup.com.au/insurance-services/corporate-travel/) - Corporate Travel – why you need it. Corporate Travel have been created to reflect the complexity of risks that come with business trips. Whatever interrupts your employee’s travel plans, this policy is designed to help your staff recover and get back on their way. Anything can happen – risk is everywhere When staff are on - [Hawthorn](https://oraclegroup.com.au/locations/victoria/hawthorn-2/) - Oracle Group Insurance Brokers - Hawthorn, Victoria Use our online portal to quote and buy great value business insurance. Digital Quote & buy About Oracle Hawthorn Oracle Group Hawthorn combined Jane Martin’s established commercial insurance business as an inner-city Melbourne insurance brokerage in May 2018, offering a comprehensive risk advice and insurance service to all - [Monbulk](https://oraclegroup.com.au/locations/victoria/monbulk/) - Oracle Group Insurance Brokers - Monbulk, Victoria Use our online portal to quote and buy great value business insurance. Digital Quote & buy About Oracle Monbulk Oracle Group Monbulk came to fruition back in May 2018. Bringing over 40 years of experience, the Monbulk team quickly became an integral part of the Oracle Insurance family. - [Lodge a Complaint](https://oraclegroup.com.au/lodge-a-complaint/) - Contact Us Please use the form below to let us know of any complaints. To get in touch now call (03) 8373 5473 Please enable JavaScript in your browser to complete this form. Name * Email * Numbers DropdownNew South WalesNew South WalesWestern AustraliaSouth AustraliaQueenslandVictoriaTasmaniaNorthern Territory Single Line Text Comment or Message *Your Message Submit - [Packages](https://oraclegroup.com.au/packages/) - Learn about our services More About Us Subscribe to our Newsletter Please enable JavaScript in your browser to complete this form. Name * Email * Submit - [Services](https://oraclegroup.com.au/services/) - Learn about our services More About Us Subscribe to our Newsletter Please enable JavaScript in your browser to complete this form. Name * Email * Submit - [Free Insurance Review](https://oraclegroup.com.au/locations/victoria/free-insurance-review-2/) - Take control of your business expenses Activate our Free Insurance Review and start saving today. Get in touch now Free insurance review – what do you have to lose? The business world has been a tough place over the past few weeks. It feels like we are being slammed around like a wrestler in a - [Free Insurance Review](https://oraclegroup.com.au/locations/queensland/free-insurance-review/) - Take control of your business expenses Activate our Free Insurance Review and start saving today. Get in touch now Free insurance review – what do you have to lose? The business world has been a tough place over the past few weeks. It feels like we are being slammed around like a wrestler in a - [Insurance Services](https://oraclegroup.com.au/insurance-services/) - Insurance Services Oracle Group provides insurance for every type of business. Each one is unique which is why it pays to work with someone who understands your business. But there is one thing you all have in common. Owners have a lot of money tied up in their business. So, if anything becomes lost, stolen - [Insurance Packages](https://oraclegroup.com.au/insurance-packages/) - Insurance Packages Oracle Group provides insurance for every type of business. Each one is unique which is why it pays to work with someone who understands your business. But there is one thing you all have in common. Owners have a lot of money tied up in their business. So, if anything becomes lost, stolen - [Insurance Industries](https://oraclegroup.com.au/insurance-industries/) - Insurance Industries Oracle Group provides insurance for every type of business. Each one is unique which is why it pays to work with someone who understands your business. But there is one thing you all have in common. Owners have a lot of money tied up in their business. So, if anything becomes lost, stolen ## Landing Pages - [landlord](https://oraclegroup.com.au/landlord/) - Call us: 1300 776 346 At Oracle Group Australia, we're ready to help make sure you have the right answers for your insurance, so you're in control of your landlord policy. 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