Dudgeon Berry Insurance Group

Dudgeon Berry Insurance Group Dudgeon Berry Insurance Group have been servicing the local community for over 30 years. For professional advice and personal service.

Hi, I'm Tahlia, Assistant Account Executive here at Dudgeon Berry 👋🏼 As EOFY approaches, I wanted to share three insura...
03/06/2026

Hi, I'm Tahlia, Assistant Account Executive here at Dudgeon Berry 👋🏼 As EOFY approaches, I wanted to share three insurance tax deduction mistakes I see come up each year with our business clients:
1. Claiming life or trauma insurance as a business deduction.
These policies pay a lump sum and are treated by the ATO as capital in nature - not deductible, regardless of whether they're held inside or outside super. This one surprises a lot of people.

2. Not asking for a premium split on combined policies.
If you hold a policy combining income protection with life or TPD cover, only the income protection component is deductible. Your broker can provide this breakdown, but you need to ask. Without it, your tax agent will be guessing.

3. Assuming income protection held in super is deductible.
Income protection premiums are generally deductible but not when paid from super contributions. If your policy sits inside super, the individual deduction doesn't apply.

Insurance structure matters - not just for coverage, but for how your policies interact with your tax position.
I'm not a tax adviser, and I always recommend working with a registered tax agent on your specific situation. But I can make sure your insurance is set up correctly, so the right questions get asked at tax time and not the wrong assumptions.
If a review of your insurance structure ahead of EOFY would help, I'd love to chat. 😊
Get in touch today:
📞 02 6621 3000
📧 [email protected]
🧑🏻‍💻 https://dudgeonberry.com.au/

02/06/2026

❄️ 3 common winter insurance claims... and how to avoid them
1. Storm and wind damage 🌧️
Loose roof tiles, damaged gutters, and fallen branches are winter staples. Walk your property before as soon as possible to fix anything that's already borderline.
2. Water damage from leaks and burst pipes 💧
Cold snaps and ageing pipes aren't a great combo. Know where your water mains are and get any dodgy plumbing sorted before it becomes an emergency claim.
3. Wet weather car accidents 🚗
Slippery roads + reduced visibility = more claims. Increase your following distance, check your tyre tread, and slow down.

Simple stuff that makes a big difference.
And if you're not sure whether your cover is actually up to the job this winter - that's what we're here for. 👇
📞 02 6621 3000
📧 [email protected]
🧑🏻‍💻 https://dudgeonberry.com.au/

We've all had our excessive moments. 😅The overpacked suitcase. The extra bottle of wine. The dog who eats better than yo...
01/06/2026

We've all had our excessive moments. 😅
The overpacked suitcase. The extra bottle of wine. The dog who eats better than you do.
But in insurance, excess has a very specific meaning - and understanding it could save you a nasty surprise when you actually need to make a claim.
In insurance, excess is actually pretty straightforward. It's the amount you pay first when you make a claim - before your insurer covers the rest.
And if you'd like to know whether your excess is set at the right level for your situation, we're always happy to help. 👇
📞 02 6621 3000
📧 [email protected]
🧑🏻‍💻 https://dudgeonberry.com.au/

🏛️ Ancient & Unexpected - The concept of insurance dates back over 4,000 years. Ancient Babylonian merchants used a syst...
28/05/2026

🏛️ Ancient & Unexpected - The concept of insurance dates back over 4,000 years. Ancient Babylonian merchants used a system where a loan would be forgiven if a shipment was lost at sea, basically the world's first cargo insurance. Not bad for 1750 BC.

Is your insurance keeping up with the times? Get in touch today: https://dudgeonberry.com.au/

Good insurance advice = more money for the "other" things. 👠✨We help clients make sure they're not paying for cover they...
26/05/2026

Good insurance advice = more money for the "other" things. 👠✨
We help clients make sure they're not paying for cover they don't need - and that the cover they do have is actually working for them.

The savings? Entirely yours to enjoy.
Get in touch today to book a review with the team:
https://dudgeonberry.com.au/

25/05/2026

11 Canstar awards. That's the kind of track record that earns a partnership. 🏆
At Dudgeon Berry Insurance Group, we're selective about who we recommend and Passportcard Travel Insurance consistently delivers for our clients.

Heading somewhere soon? Let's make sure your cover is sorted. ✈️
Get your travel insurance quote instantly: https://dudgeonberry.com.au/travel-insurance/

21/05/2026

🏠🏢 Most business owners assume their insurance covers their team wherever they're working. It's a reasonable assumption - but it's not always correct.

Here's what hybrid work has quietly changed for a lot of Australian businesses:
Workers Compensation still applies at home. If an employee is injured during work hours while working remotely - a fall, a strain, any workplace incident - your obligations as an employer are identical to if it happened in this office. The kitchen table doesn't change your duty of care.

Business equipment may not be covered off-site. Laptops, monitors, and peripherals taken home regularly often fall outside standard Business Pack policies, which are typically written around a fixed business address. And your employee's home contents policy won't cover it either.

Public Liability follows the work, not the location. If clients or colleagues visit a team member at home for business purposes, your policy needs to reflect that.

These gaps are common, and most business owners only discover them at claim time. 😩
A quick conversation with our team is all it takes to check your current cover actually matches the way your business operates today.

💬 Reach out anytime:
📞 02 6621 3000
📧 [email protected]

Three questions every tradie and small business owner should be able to answer ✅Public Liability? Tools Cover? Workers C...
20/05/2026

Three questions every tradie and small business owner should be able to answer ✅
Public Liability? Tools Cover? Workers Comp?
If one of those made you pause - that's what we're here for. A quick chat with our team is all it takes to make sure you're properly covered and can get back to focusing on the work.

Get in touch today:
📞 02 6621 3000
📧 [email protected]
🧑🏻‍💻 https://dudgeonberry.com.au

🚗 Four different vehicles. One thing they all have in common - the right insurance policy looks different for each of th...
18/05/2026

🚗 Four different vehicles. One thing they all have in common - the right insurance policy looks different for each of them.
A Ford Ranger on the worksite. A Range Rover in the school drop-off queue. A Toyota RAV4 doing the weekly shop and the weekend away. A Mini Countryman navigating city streets and coastal roads.

Here's what catches people out regardless of what they drive:
→ Business use isn't automatically covered. If you use your vehicle to travel for work, carry equipment, or visit clients, a standard private policy may not cover you.
→ Modifications need to be declared. Tow bars, roof racks, lift kits - if your vehicle isn't factory standard, your policy needs to reflect that.
→ CTP only goes so far. It doesn't cover damage to your vehicle, someone else's car, or property.

As Insurance Brokers we compare options across a broad panel of trusted Australian insurers so your policy matches your vehicle, your budget, and your lifestyle. And if you ever need to make a claim, we're in your corner.

When did you last review your car insurance?
👉 https://dudgeonberry.com.au/car-insurance/

Tax time question we get every year 👇 Is your insurance tax deductible?Here's the quick version:✅ Income protection - ye...
14/05/2026

Tax time question we get every year 👇 Is your insurance tax deductible?
Here's the quick version:
✅ Income protection - yes, generally deductible (not if it's inside super though)
✅ Business insurance - yes, if it protects business revenue (public liability, fire & theft, loss of profits etc.)
❌ Life insurance - no
❌ Trauma / critical illness - no
❌ Income protection held inside super - no
⚠️ Combined policy?
Only the income protection portion is deductible. Best to ask your insurer or broker for a premium breakdown before tax time. And if you receive an income protection payout you need to declare it as income. 📋

Not sure how your policies are structured or what you can claim? That's what we're here for or see our summary guide:
https://dudgeonberry.com.au/news/is-insurance-a-tax-deduction/

Address

5/76 Woodlark Street
Lismore, NSW
2480

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+61266213000

Website

https://maps.app.goo.gl/S5hbUXpD4NA59KncA, https://maps.app.goo.gl/bz9vJPJpgwWg5WVb8

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