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Monday 8:30am - 5:30pm Tuesday 8:30am - 5:30pm Wednesday 8:30am - 5:30pm Thursday 8:30am - 5:30pm Friday 8:30am - 5:30pm

Guard Insurance Brokers

Home
Australia
Brisbane, QLD
Guard Insurance Brokers

Specialists in business insurance advice. Our commitment to you is Outstanding Service and Outstanding Advice.

Insurance Brokers specialising in:

- Business Insurance
- Commercial Property Insurance
- Professional Indemnity
- Public Liability Insurance

07/08/2026

Reviews like this one from Dawn are exactly why we do what we do. 💙 Insurance can feel like just another thing to manage on top of running a business, and that's where having a broker who actually knows your industry makes the difference. We take the time to understand what your business needs, then handle the details, so you're not stuck untangling policy jargon on your own.

If you're ready for insurance to feel this straightforward, we'd love to chat. 📞 https://guardinsurance.com.au/contact-us/

04/08/2026

A lot of small business owners assume privacy law is a big-company problem. 🔒 With penalties now reaching as high as $50 million for serious breaches, and regulators actively expanding who's in scope, that assumption is looking a lot shakier than it used to.

The businesses getting caught out aren't usually the reckless ones. 🎯 They're the ones who handle customer data every day and never stopped to ask whether they're covered if something goes wrong. Cyber and professional indemnity cover exist for exactly this gap, and most people don't think about them until it's too late. 💻

If your business touches customer data, this is worth five minutes. 📖 https://guardinsurance.com.au/privacy-act-penalties-are-climbing-is-your-business-exposed/

31/07/2026

If you're an accountant, lawyer, conveyancer or real estate agent, a significant new compliance regime kicked in on 1 July, and getting caught unprepared could mean a lot more than a slap on the wrist. Here's what's actually changed.

📋 You're now under the same regime that banks have followed for years
🔍 One overlooked requirement could trigger a serious investigation
💼 The type of insurance that might already cover this, if you have it
⚠️ What happens if a regulator decides to look into how you've handled it

If your business handles client funds or property transactions, this is worth ten minutes of your time. 👇 https://guardinsurance.com.au/new-aml-ctf-rules-have-landed-for-accountants-and-real-estate-agents/

28/07/2026

New data is out, and it's not the direction anyone was hoping for. 📊 Australia's extreme weather bill for last year has been revised up, again, and insurers are quietly losing money on the policies they're writing. Behind those big numbers is a much smaller, much more personal one: the gap between what your building is insured for and what it would actually cost to rebuild it today.

That gap has a name in the industry, the 'protection gap', and it's growing faster than most business owners realise. 🏚️ A policy that looked fine a few years ago might already be leaving you badly exposed. Queensland businesses especially, given the weather this state deals with. 🌪️

Worth checking your numbers before you need them. 📋 https://guardinsurance.com.au/new-data-confirms-it-australias-underinsurance-problem-is-getting-worse-not-better/

23/07/2026

If your public liability or professional indemnity premium has jumped in the last few years, you're not being singled out, and it's not because your business got riskier. There's a bigger story behind the numbers, and it changes how you should approach your next renewal.

📈 Premiums are up as much as 60% since 2019, and it's not slowing down
⚖️ One legal trend is quietly pushing claims costs higher for everyone
🏗️ Some industries are getting hit a lot harder than others
🔧 There are real levers you can pull before your next renewal lands

Worth five minutes before you just accept the number on your renewal notice. 👇
https://guardinsurance.com.au/why-have-small-business-insurance-premiums-jumped-60-since-2019/

20/07/2026

NSW's mandatory professional indemnity deadline for registered building practitioners technically arrived on 1 July, except there's a bill before Parliament that could push it back another year. Confusing? Yes. Something you can afford to ignore either way? Not really.

🏗️ This deadline has already been delayed three times, here's why that matters
⚖️ A major court decision has quietly raised the stakes for builders and designers
📄 Developers are asking for proof of cover regardless of what Parliament decides
🔍 What "retroactive cover"" means and why it could catch you out

If you're a registered building practitioner in NSW, this is worth reading before your next tender. 👇 https://guardinsurance.com.au/nsw-builders-pi-insurance-deadline-just-landed-but-a-delay-bill-is-before-parliament/

"

17/07/2026

When a severe storm tore through Perth in early June, it didn't just take out roofs and power lines. ⛈️ It left thousands of businesses working out how much the damage was actually going to cost them, and for a lot of them, the answer was more than they expected.

Here's the part most business owners don't think about until it's too late: having insurance and having the right insurance aren't the same thing. 🏚️ One type of cover pays for the physical damage. A completely different type pays for the income you lose while you're closed. Miss one, and a fixable problem turns into a financial one. 💼

Storm season doesn't care which state you're in. 🌀 Find out what's actually covered before the next system rolls through. https://guardinsurance.com.au/perths-storm-season-is-a-reminder-every-business-owner-needs-to-hear/

15/07/2026

Payday super officially kicked in on 1 July, and if your payroll and super systems aren't perfectly in sync, the fallout could reach further than your bank account. 💸 There's an angle to this that most business owners haven't clocked yet, and it's got nothing to do with the ATO.

💰 One small timing slip that used to be forgivable, isn't anymore
🔍 Insurers are paying closer attention to this than you'd expect
⚖️ What "director-level liability" actually means if things escalate
🛡️ The exact type of cover this risk falls under (it's probably not what you think)

If your payroll system hasn't caught up yet, this is worth five minutes before your next pay run. https://guardinsurance.com.au/payday-super-is-here-is-your-business-insurance-ready/

13/07/2026

After a few brutal years of rising premiums, something's shifted. 📉 The insurance market is easing in 2026, and insurers are suddenly a lot more willing to compete for your business than they were twelve months ago.

That's not just good news, it's a genuine window. 🔓 Businesses that review their cover now can often extend what they're protected for without the premium hit they'd normally expect. The catch? These windows don't stay open forever, and the businesses that wait usually miss it. ⏳

If it's been a while since your policy got a proper look, now's the moment. 📋 https://guardinsurance.com.au/the-insurance-market-has-softened-heres-why-that-matters-for-your-business/

09/07/2026

A retirement strategy that looked sound at the time. An SMSF recommendation disputed when markets shifted. A product switch a client says happened too slowly. Financial planning claims don't always come from obvious mistakes - and they often surface long after the original advice was given.

What financial planners often overlook in their PI cover:
📋 Whether AFCA complaints are properly covered under your policy
📉 Whether claims-made cover protects you for advice given in previous years
🔍 Whether your AFSL obligations are actually reflected in your policy limits
🔐 Whether run-off cover is in place if you retire or sell your practice

Don't wait for a complaint to find out your cover wasn't built for the work you actually do. Find out more at https://guardinsurance.com.au/financial-planners-insurance/

Address

15/110 Mary Street
Brisbane, QLD
4006

Opening Hours

Monday	8:30am - 5:30pm
Tuesday	8:30am - 5:30pm
Wednesday	8:30am - 5:30pm
Thursday	8:30am - 5:30pm
Friday	8:30am - 5:30pm

Telephone

+611300167143

Website

http://www.guardinsurance.com.au/

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