Business Insurance2022-01-28T10:02:41+10:30


Every day, your business is faced with risks that could threaten its financial wellbeing. While it’s impossible to avoid them altogether, taking measures to manage these hazards can help to protect the future of your business should the worst happen. An important aspect of any risk management strategy is a business insurance policy, sourced through a small business insurance brokerage, that can provide you cover from unexpected events.


When it comes to finding the right business insurance, one of the biggest mistakes you can make is to leave your business inadequately protected by implementing a general, one-size-fits-all package that does not cover the specific threats your organisation faces. You risk finding yourself in a serious position when the business insurance you thought would save you fails to give you complete cover. That’s why a comprehensive cover tailored to the specific needs of your company by a specialist business insurance broker is essential to ensure you are protected whenever possible.

Insurance can be complex, so purchasing cover is often a challenging process. Luckily, commercial insurance brokers, such as MGA, are able to source products from across the market to equip your business with the right insurance policy.


When obtaining business insurance from a specialist small business insurance broker or a commercial insurance broker, you may meet with a representative from MGA at your premises to discuss your concerns, needs and potential risks you face. This information is then used to find a suitable and tailored package, recommendations and quotations will then be presented to you to allow you to make an informed decision.

This allows your business to be analysed through a fresh set of eyes, meaning the needs and threats are carefully taken into account. In addition, our specialist small business insurance brokers long term relationships with insurers allow them to find and negotiate the terms of the most appropriate policy at a competitive price.


Throughout the entire process your MGA small business insurance broker is your trusted ally. We work for you, not for insurers, so we’ll keep the interests of your company at heart when finding a business insurance policy. Whether you need to alter your policy, make an insurance claim, or you just need advice, MGA takes care of everything, acting as an advocate for your business, making MGA the small business insurance brokerage of choice for thousands of Australians.

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Frequently Asked Questions

Is MGA community minded?2020-02-19T09:29:45+10:30

MGA is located in all mainland states and territories, both in metro and regional centres. In each of these locations MGA is a part of the local community and support is provided through local sponsorships and donations to a wide variety of sporting clubs, community groups, charities and events. On a national level the MGA Whittles Community Foundation was set up to facilitate fundraising by staff, along with contributions from MGA and its sister company, Whittles, from which 100% of funds are then donated to worthy charities.

For more information, please visit www.mgawhittlesfoundation.org.au

To find your local MGA office, see www.mga.com/our-offices/

Where can I find my nearest MGA Insurance Group office?2021-04-19T12:15:58+09:30

MGA has over 40 offices (and growing), located in both Metro and regional areas across mainland Australia and one in Phnom Penh, Cambodia. Office contact details can be found on our website, view our offices.

Why is it important to have the right insurance?2020-02-19T09:30:11+10:30

It’s important to understand your own risks so you can choose the right insurance product. In Australia, we have over 100 licensed insurers that offer a broad range of insurance products to choose from. Each insurer offers policies with different terms and conditions and exclusions so no two policies are the same. MGA brokers can provide advice on a wide range of general insurance products, both for domestic and business purposes and also have access to insurance policies that are not readily available to consumers.

Shouldn’t I just use an Insurance comparison website?2020-02-19T09:29:31+10:30

Some people turn to insurance comparison sites to look for the cheapest insurance, but that’s not always the best way as price is not the only thing you should consider. The policies you’ll be offered are usually fairly generic and may not meet your individual requirements. MGA brokers can arrange insurance cover on your behalf and provide advice on how to make the most of your insurance budget.

What’s the difference between an insurance agent and an insurance broker?2020-02-19T09:30:24+10:30

The main difference is that an insurance agent is a direct representative of the provider of the insurance policy being offered to you, their responsibility is to sell the products from those insurers and no others. They may be a multi agent where they provide covers from several providers, but they continue to only sell products from those insurers.

An insurance broker on the other hand is able to access many different insurers (excluding those that only sell direct to the public), matching the customer’s needs to the insurance policy and negotiating changes that may be required. Insurance brokers are engaged by the customer and are working on their behalf to source, negotiate, maintain, renew and assist in the claim process. An insurance broker is an advocate for the client, not the insurance company.

Can I pay for my insurance online?2020-02-19T09:30:44+10:30

Yes, you can pay for your insurance online through several different payment methods. Visit www.mga.com/payment-options/ to find a payment method that suits you.

How do I find my policy number?2020-02-19T09:30:53+10:30

Your policy number can be found on the tax invoice that you received when you purchased your policy. View example.

What is a Product Disclosure Statement (PDS)?2020-02-19T09:31:02+10:30

A Product Disclosure Statement (PDS) provides you with essential information to help you make a decision about whether to buy a particular product. It describes in clear terms the main features and the terms and conditions of the policy. A PDS also provides information about the cooling off period after you purchase the policy in case you change your mind and outlines what you need to do in the unlikely event you have a complaint.

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