Arvest Insurance Solutions

19/08/2026

📣 Heads up to cropping clients — now is the time to get your crop insurance sorted.

As revision dates approach, insurers start tightening capacity and adjusting rates. Getting in early means you lock in stronger terms before the market moves. Once those revision dates hit, your options narrow and premiums can shift quickly.

If you've been meaning to get around to it, this is your sign. A quick conversation now could make a real difference to what's on the table for your operation this season.

Get in contact for our crop doc for easy input!

Multiple markets, in-house claims handling and local expert knowledge.

📞 1300 278 378 | 📧 [email protected]

03/06/2026

Croppers,

With sowing nearing completion across most regions, now's the time to get your crop cover in place — before the market moves and options start to narrow.

Capacity in some shires fills quickly, and once it's gone, we can't always get back in. Growers who come to us later in the season often find their choices have narrowed — limited cover, tighter terms, or premiums that don't reflect their operation. Getting in early means we can secure the right cover, at the right price, with the right insurer for you.

We've also seen some movement in the crop market this season — certain underwriters are tightening their appetites in specific regions and commodity classes. That makes early engagement more important than ever.

Please reach out for our Arvest Crop Insurance Workbook which makes the process as straightforward and streamlined as possible.

As brokers, we have direct relationships with a range of specialist crop underwriters — and those relationships matter when it comes to pricing, capacity, and how a claim is handled. When something goes wrong, you're talking to us, not a call centre. We manage your claim from start to finish, in house.

If it's easier to have a quick conversation first, just give us a call.

1300 ARVEST (1300 278 378)
[email protected]

29/04/2026

This happens more than it should!

A client comes to us. New relationship. We start asking the questions that should have been asked years ago.

Do you have any contracts in place?

Yeah, we have contracts.

Can we review them against your insurance program?

Sure.

So we sit down. We read the contracts. We review the policies. And then we start finding things.

Breaches of insurance requirements they never knew existed.

Policy limits that don't meet contractual minimums — non-compliant from the moment they signed.

Waivers of their insurer's right of subrogation — agreed to in the contract, never disclosed to the insurer, never endorsed on the policy.

Obligations to add the principal as an additional insured — agreed to in writing, never actioned, never approved by the insurer.

Indemnity clauses that assume liability their policy specifically excludes.

Agreements to insure the principal — made without the insurer's knowledge or consent.

Terms that no insurer would agree to if asked directly, terms that should have been advised against — but were agreed to anyway

Scope of works that describes activities completely outside the insured occupation — work the insurer never underwrote, never priced for and never agreed to cover. The policy says one thing. The scope says another. Nobody checked.

And the broker/agent? Never asked. Never reviewed. Doesn't understand.

The client had no idea.

They executed the contracts in good faith. They paid their premiums in good faith. They believed they were covered.

They weren't.

And it gets worse.

Because this isn't just an insurance problem. Every one of those breaches sits on the balance sheet of the business. Every one of those assumptions of liability sits with the directors personally.

A director who executes a contract containing insurance obligations their program doesn't support hasn't just created an insurance gap.

They have created a personal liability.

This is what happens when insurance is treated as a transaction instead of advice.

At Arvest

We review the contract/s. We review the scope. We review the insurance program. We identify the gaps, the breaches, the misalignment and the exposures. We provide advice. We align the program where we can and we have the hard conversations where we can't.

That is what a proper broker relationship looks like.
Before you sign — not after something goes wrong.

💬 If you have contracts and you haven't had this conversation — you need to.

Arvest Insurance | Professional Risk Advisors

We don't sell insurance — we protect what matters most.
Experience the Difference.

13/04/2026

Your business got hacked at 2am last night.

You didn't know until you arrived at work this morning.

Your systems are locked. Your client data is compromised. Someone is demanding payment to restore access. Your phones are running hot with clients asking what happened to their information.

And then someone asks the question you were dreading.

"Are we covered for this?"

Cyber attacks are no longer something that happens to big corporations with IT departments and deep pockets. They are happening to small businesses, family businesses, regional businesses — every single day across Australia.

A phishing email. A compromised password. A staff member clicking the wrong link at the wrong moment.

That is all it takes.

And the costs are not small.

Forensic investigation to understand what happened. Legal obligations to notify affected clients. Regulatory exposure under Australian Privacy Act requirements. Business interruption while systems are restored. Ransom demands. Reputational damage that takes years to rebuild.

The average cost of a cyber incident for an Australian small business runs into the tens of thousands. For some — it is business ending.

And most of them thought it wouldn't happen to them.

Here is what most business owners don't realise —

Your Public Liability policy doesn't cover it. Your Business Package doesn't cover it. Your Farm Pack specifically excludes it.
Cyber risk requires its own policy. Purpose built. Properly structured.

We work with businesses across agriculture, manufacturing, contracting and mining services — and cyber exposure sits across every single one of them regardless of size.

If you haven't had a conversation about cyber insurance — or if you genuinely don't know whether you're covered — that conversation is overdue.

Because 2am doesn't wait for business hours.

💬 Reach out anytime.

Arvest Insurance | Experience Difference.

08/04/2026

If you're growing it, processing it, bottling it, labelling it and selling it — you are no longer just a farmer.

You are a manufacturer.

And your Farm Pack insurance? It was written for a farmer. Not a manufacturer.

Farm Pack policies are built around a specific definition of farm business — growing, harvesting, raising livestock and produce.

When your operation moves into processing, manufacturing and value-adding — it's worth understanding exactly where your policy sits in relation to those activities.

Product liability. Labelling exposure. Recall risk.

These aren't straightforward areas under a standard farm pack — and they deserve proper advice.

The agriculture industry is changing. More farmers are value-adding, selling direct, building their own brands. It's exciting and it's smart business.

But insurance programs need to evolve with the business.

If you're value-adding on farm — it's simply worth knowing what your policy does and doesn't respond to.

Don't just assume. Get some proper advice..

Arvest Insurance | We protect what matters most.
Experience the Difference.

1300 ARVEST

06/04/2026

🚨 What happens to YOUR family if your business is sued?

This isn't a scare tactic. This is something that happens to real business owners — farmers, tradies, SME operators — right across Australia. Every single year. If your broker or agent isn't having meaningful conversations about risk management, you're not getting advice — you're just buying a product. And that's costing you more than just money.

You hired someone to get a job done.
They got hurt.
And now everything you've built is at risk.

The hard truth most business owners don't want to think about:
When someone is working on your property, your site, or for your business — you have a legal Duty of Care whether they are an employee, a subcontractor, a visiting worker or a volunteer.
That duty doesn't disappear because:
❌ They were a contractor "running their own business"
❌ You've used them for years without incident
❌ They signed something
❌ You didn't think it was a high risk job
❌ You were busy and assumed someone else was managing it

As a business owner or director, the exposure is real and it is personal:
⚠️ Workers Compensation claims — medical costs, lost income, long term care
⚠️ Public Liability claims — property damage, third party injury
⚠️ OH&S prosecutions — government investigations and hefty fines
⚠️ Directors Personal Liability — yes, YOU personally, not just the business
⚠️ Defence costs — even if you're found not guilty, legal fees alone can run into the hundreds of thousands
⚠️ Compensation payouts — life-changing sums that can bankrupt an uninsured or underinsured business

And the fines under OH&S legislation are not small:
Penalties for individuals can reach $300,000+ and for corporations $3 million+ for serious breaches. In Victoria, WorkSafe prosecutions are increasing — and regional businesses are not immune.

🌾 For our farming clients:
A shearer injured in your shed. A harvest contractor whose machinery causes a fire. A fencing contractor who falls. A spray contractor who damages a neighbour's crop.

🔧 For our SME and trade clients:
A subie injured on your worksite. A customer injured on your premises. A job that goes wrong and causes significant property damage.
In every one of these scenarios — you are potentially on the hook.

Good risk management protects everything:
✅ Your business
✅ Your personal assets
✅ Your family home
✅ Your reputation
✅ Your mental health — because a legal battle is as devastating emotionally as it is financially

Risk management isn't just about having insurance. It's about:
🔹 Knowing your legal obligations as a business owner
🔹 Having documented safety procedures
🔹 Vetting contractors and sighting their Certificates of Currency
🔹 Maintaining a safe working environment
🔹 And yes — having the right insurance that actually covers you when the worst happens

The question isn't "will this happen to me?"

The question is — if it did happen tomorrow, would you survive it?

If you're not 100% confident in the answer, that's the conversation we need to have.

We work with farmers, tradies, small and large corporate businesses every day. We understand your operation, your risks, and what's actually at stake.

It's about making sure what you've spent your life building is still standing tomorrow.

Insurance is the product. Risk advice is what we do.

💬 Send us a message or give us a call.
One conversation could make all the difference.

📞 1300 ARVEST (1300 278 378)
🌐 www.arvest.com.au
📍 Proudly local

24/12/2025

As we wrap up this year, it’s nice to pause and reflect on what has been a truly transformative year for Arvest - one that has truly exceeded our expectations.

We look forward to growing and supporting local areas and communities in 2026 and beyond as we continue to build a brand that is built on trust, relationships and commitment.

Wishing everyone a Merry Christmas and a safe, happy New Year.

21/10/2025

Stay safe, be smart and be sure to keep in the loop with all weather related news.

Please reach out at any point for any claim related assistance or otherwise call VICSES Emergency Assistance 132 500

08/08/2025

Amazing to see the appetite and capacity flowing from insurers right now!

We’re seeing meaningful capacity increases across many lines thanks to improved insurer results, reinsurance inflows, and market competition.

Here in Australia, the market is following global trends — appetite is growing, competition is heating up, and coverage options are broader than we’ve seen in years. It’s a soft market: a rare window where competition is high, terms are flexible, and deals can be done.

It’s also the perfect time to support the markets that supported you through the hard times. Like everything in insurance, the cycle will turn — so make it count.

Is your broker:
- Capitalising on market conditions for both terms and pricing
- Strengthening relationships with the right insurers for the long haul
- Avoiding the trap of chasing the cheapest premium at the cost to your business

Soft markets are as much about strategy as they are about savings. Get it right now, and you’ll be in a far stronger position when the cycle swings back.

Let’s hope it’s not a race to the bottom!

If you’d like to know more and how we can help, please reach out.

01/08/2025

We are proud to support local business and be involved in the community.
Grab a coffee on us and be sure to purchase one of those famous Bacon & Egg muffins to show your support to a great local business.

Arvest Insurance - Experience Difference

2 Doors

We are thrilled to have the valued support of local new business Arvest and director at
Proving why we love our community 👏Arvest are paying for your coffees from 8-9am this Sunday…and again on Monday 630-730 🫶👊
That’s right order up and come show your support as we show how we are….