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R & M Insurance Brokers

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Newcastle, NSW
R & M Insurance Brokers

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We are a family-owned insurance brokerage that has been operating in Newcastle since 1976.

While we specialise in Marine, Civil and Commercial industries, our services have diversified organically into a boutique offering of specialist industries.

04/11/2026

Not all brokers are the same 🤔

Plenty of brokerages are owned by, or aligned with, a larger group or insurer. R&M isn’t.

We’re an independent, family-owned broker, here in Newcastle since 1976. We’re not tied to any single insurer, so our advice comes down to one question: what’s right for you?

What that means in practice…
🔹 We work for you, not an insurer or a corporate parent
🔹 We draw on a wide network of providers to find the right fit
🔹 We’re in your corner at claim time, including if there’s a dispute

Specialist advice, no strings attached. That’s how it’s always been done here.
📞 02 4962 4888 or book a policy review via the link in bio.

23/09/2026

There's a lot that can go wrong on the water. The question is whether you're covered for it. ⚓

Pollution liability. Wreck salvage. Damage during transit or hardstand. Third party injury aboard a charter vessel. These are the kinds of risks that standard policies often don't account for and the kind of gaps that only show up when you're trying to make a claim.

Marine insurance is a specialty. It requires someone who understands the industry, knows the right markets, and can structure a policy that actually reflects the way you operate.

That's exactly what we do at R&M Insurance Brokers and have done for decades.

If you work on the water, let's make sure you're properly covered for it.

16/09/2026

Nearly 20 years. Hundreds of clients. And friendships that have lasted well beyond the policy. 💙

Meet Angie, one of R&M's longest-serving and most loved team members.

Angie joined R&M Insurance Brokers nearly two decades ago and has become a cornerstone of the client experience we're known for. She's the kind of broker who remembers the details not just about your business, but about you.

For many of our clients, Angie isn't just their broker. She's someone they've trusted through business growth, tough claims, and everything in between.

That kind of relationship doesn't come from a call centre. It comes from showing up, year after year, and genuinely caring.

We're so lucky to have her.

09/09/2026

In civil contracting, the risks don't clock off at the end of the day. 🚧

A piece of plant breaks down mid-project. A third party makes a public liability claim. Wet weather delays push your contract timeline out. These aren't worst-case scenarios, they're the realities of running a civil or earthworks business.

What separates a setback from a serious financial hit? Having the right cover in place before any of it happens.

R&M Insurance Brokers has been a specialist in civil, industrial and earthworks insurance for over four decades. We understand your contracts, your equipment, your subcontractors and we build your cover around all of it.

Don't wait for something to go wrong to find out where your gaps are.

02/09/2026

Insurance tip: always read your policy schedule, not just the price. 📌

When renewal time comes around, it can be tempting to just check the premium and move on. But the premium is only part of the story.

Here's what's worth checking every single year:

✅ Have your sums insured kept up with rising costs?
✅ Are there any new exclusions that weren't there before?
✅ Has your business changed in a way your policy doesn't reflect?
✅ Do you have the right liability limits for your current contracts?
✅ Is your cover with a financially strong, reputable insurer?

A good broker reviews all of this with you. Not just at claim time, but every year at renewal.

That's what we're here for.

26/08/2026

Most business owners insure their property. Far fewer actually know what their policy covers. 🤔

It's one of the most common things we see; a client has had the same commercial property policy for years, it quietly renews each time, and nobody's ever really checked whether it still reflects the value of what they own.

Rising build costs. Renovations. Changed use of the premises. All of these things can quietly erode your level of cover without you ever realising it.

We help commercial property owners across NSW take a proper look at what they've got and make sure it's actually doing the job.

Knowledge is the best policy.

20/08/2026

Before joining R&M, Shahid arranged insurance for the world's largest observation wheel.

Yep, you read that right.

Shahid brings a wealth of global insurance experience to our team, and now channels that expertise into finding the right cover for our clients right here in Newcastle and beyond.

His background spans some of the most complex and high-profile risks in the industry which means when our clients bring us something tricky, Shahid's seen something trickier.

We're pretty glad he chose Newcastle. 💙

22/07/2026

The ocean doesn't take days off and neither does your exposure to risk. ⚓

Whether you're running a commercial fishing fleet or operating charter tours marine insurance isn't something you want to get wrong.

At R&M Insurance Brokers, we've spent decades specialising in marine cover that actually fits the way you work on the water. Not off-the-shelf. Not one-size-fits-all. Built around your vessel, your operation, and your risks.

Because when something goes wrong out there, you deserve a broker who already knows your world.

15/07/2026

Behind every policy at R&M, there's a real person who genuinely cares about getting it right. 💙

We've got Greg, with 50 years of industry experience and a reputation built on trust. Shahid, who once arranged insurance for the world's largest observation wheel. Angie, with nearly 20 years at R&M and client relationships that have turned into lifelong friendships. Kelly, who's quietly made our renewal process smoother before heading to the beach with her two dogs. Belinda, bringing strategic precision from across insurance, finance and mining. Ting, who advocates fiercely for our Chinese-speaking clients and is beloved by everyone in the office. And Jared, leading it all with the same values this business was built on.

Different backgrounds. Different strengths. One team that genuinely loves what they do.

That's the R&M difference. 💙

09/07/2026

Big machinery. Big sites. Big risks 🏗️

Civil contracting and earthmoving is hard work and the last thing you need is an insurance policy full of gaps when something goes wrong on site.

R&M Insurance Brokers has been a trusted partner for civil contractors, excavators, and industrial operators across NSW and Australia for over four decades. We understand the sector, the risks, and what comprehensive protection actually looks like.

Don't wait for a claim to find out your cover doesn't stack up.

Book a policy review via the link in bio.

Address

1st Floor 184 Parry Street
Newcastle, NSW
2302

Opening Hours

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

Telephone

+61249624888

Website

https://rminsurancebrokers.com.au/

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