Shortland Insurance Brokers

Shortland Insurance Brokers Shortland Insurance Brokers is an Australian owned company that was established in 1977. Our success

Your Client Manager doesn't just arrange your policy, they get to know your business.That knowledge matters most when yo...
14/09/2026

Your Client Manager doesn't just arrange your policy, they get to know your business.

That knowledge matters most when you need it: if you have a claim, Shortland already understands how your business operates, what cover is in place, and who's involved. No starting from scratch.

From there, a dedicated Claims Manager takes over, guiding the claim as information is requested and reviewed.

The result for you? Continuity. Your business context is already understood, and dedicated claims support is there when you need it.

đź”— https://shortlandinsurance.com/contact

Trusted locally for 49 years, backed by the Steadfast Broker Network.

10/09/2026

During some claims, an insurer may appoint an external specialist to review a particular technical or financial part of the matter.

Depending on the claim, this might be a loss adjuster, engineer, building consultant or forensic accountant. They may inspect damage, review financial information, clarify technical details or provide findings that assist the insurer’s assessment.
The information requested will depend on the specialist’s role and the questions being considered.

For business owners, knowing who's involved and what's being asked helps avoid confusion and keeps the claim moving smoothly.

If a specialist gets involved in your claim, we're on hand to help you understand what's being asked and why.

https://shortlandinsurance.com/contact

Trusted locally for 49 years, backed by the Steadfast Broker Network.

09/09/2026

Your business address may say “office” but is that really all that happens there?

For many trade businesses, the main premises is also a workshop, warehouse, storage area, loading zone and base for vehicles, tools, stock or machinery.

Why does that matter? Insurers need to understand how the site is actually used and what is kept there, not simply the address listed on the policy.

A broker can help make sure the premises, business activities, equipment and selected limits reflect the role the site plays in your day-to-day operations. The result is a clearer insurance arrangement built around how the business actually works.

If you’d like to talk through your current arrangements, we’re happy to help. You can leave a comment below or connect with us via the website.

đź”— https://shortlandinsurance.com/contact

Trusted locally for 49 years, backed by the Steadfast Broker Network.

Every insurer looks at your business differently.Some want detail on subcontractors. Others focus on where the work happ...
08/09/2026

Every insurer looks at your business differently.

Some want detail on subcontractors. Others focus on where the work happens, contract size, or how services are delivered. It depends on your industry and how your business operates.

That's where a broker comes in, we translate your business into the language insurers need, so nothing gets lost or misunderstood along the way.

The result? A clearer process and cover that actually reflects how you work.

Want a second set of eyes on your policy? We're happy to help.

đź”— https://shortlandinsurance.com/contact

Trusted locally for 49 years, backed by the Steadfast Broker Network.

07/09/2026

When a claim is assessed, an insurer may need to understand the different conditions contributing to the damage.

For roofing, flooring, machinery, plumbing, electrical equipment or parts of a fit-out, this may involve reviewing photographs, maintenance records, repair quotes or technical reports.

That information helps the insurer identify what is connected to the insured event and establish the appropriate scope of the assessment.

A broker can help clarify what information is being requested, why it's relevant and how it fits into the claim process.

For tradies and local businesses, it's a practical example of how supporting information helps create a clearer picture during an assessment.

If you’d like help understanding a claim process, we’re happy to have a conversation.

https://shortlandinsurance.com/contactoker Network.

05/09/2026

Happy Father's Day from all of us at Shortland Insurance Brokers.

Today we're thinking of the dads, grandads and father figures who look out for their families every day, quietly making sure everyone and everything they love is taken care of.

That's something we understand well - as a family-owned business for 49 years, looking after what matters most to our clients is what we do too.

Wishing all the dads in our community a relaxed, well-deserved day with the people they love.

Your business’s stock that you sell (goods/inventory) and the contents you use to operate (equipment, furniture, fixture...
05/09/2026

Your business’s stock that you sell (goods/inventory) and the contents you use to operate (equipment, furniture, fixtures etc.) may be treated as different categories in a policy.

🚨Why does this matter? Because they behave very differently as risks, and that difference affects you in several concrete ways:

• Separate limits: A stock loss can't draw on your contents allowance, or vice versa. Under-declaring one category leaves you underinsured there, even if the other is well covered.

• Different valuation: Stock is usually valued at cost price (no profit margin); contents at replacement or depreciated value.

• Different volatility: Stock levels fluctuate (seasonal, sales-driven); contents values stay fairly static. This affects whether you need a "stock declaration"-type policy.

• Different pricing: Insurers price stock and contents risk differently (e.g., theft/spoilage vs. wear/damage), affecting your premium.

• Different claims evidence: Stock claims need purchase/cost records; contents claims need asset registers or receipts. Mixing them up can slow a claim down.

Policy wording differs between insurers, so it's worth reviewing your product disclosure statement to see exactly how your goods/inventory and business assets are categorised. A broker can also help you understand this and how it affects your cover.
If you’d like a second set of eyes on your cover, our team is happy to help.

https://shortlandinsurance.com/contact

Trusted locally for 49 years, backed by the Steadfast Broker Network.

04/09/2026

Even if a business does not describe itself as giving advice, some of its work may still be treated that way for insurance purposes.

This can apply across many industries, including trades, creative and design, technical services, health and fitness, and other professional settings. If a client relies on your recommendations, plans, reports, instructions or specialist guidance, insurers may see advice as part of your service.

That distinction can affect how the business is described to insurers and what professional insurance may be appropriate.

A broker can help identify whether advice or guidance forms part of your work and how your business should be described to insurers.

If you’d like to talk through your current arrangements, we’re happy to help.
https://shortlandinsurance.com/contact

Trusted locally for 49 years, backed by the Steadfast Broker Network.

26/08/2026

When several tools form part of the same claim, each one may need to be identified.

The insurer may ask for the make, model, serial number and value, along with available receipts or photographs. For tradespeople moving equipment between jobs and vehicles, an itemised record can give the claim a clearer starting point.

If you’d like help understanding the claims process, we’re happy to help.
If you’d like to talk through your current insurance arrangements, we’d be happy to help.

https://shortlandinsurance.com/contact

Trusted locally for 49 years, backed by the Steadfast Broker Network.

24/08/2026

The policy schedule is usually the easiest document to recognise because it lists the details specific to the business, such as the insured name, location, sums insured and selected cover.

But it does not contain the full terms of the policy.

The policy wording explains how the cover operates, including definitions, limits and conditions. It is very important to read and understand the full terms of the policy when you are reviewing a renewed policy because they can often include amendments (endorsements).

An insurance endorsement (sometimes called a rider or amendment) is a written document that modifies your existing insurance policy by adding, removing, or altering its coverage, terms, or conditions. Instead of buying a completely new policy, an endorsement acts as an official update to your current contract.

Therefore, the detail shown on the schedule may need to be read alongside the wording and any endorsements before its full effect is clear.

The documents serve different purposes, but together they form the policy. We assist our clients with any questions they may have when reviewing and understanding an insurance policy schedule, agreement and full terms of the policy.

https://shortlandinsurance.com/contact

Trusted locally for 49 years, backed by the Steadfast Broker Network.

Address

Level 2, 27 Dane Drive
Gosford, NSW
2250

Opening Hours

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

Telephone

+61243245244

Website

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