Caldwell Insurance

Caldwell Insurance Caldwell Insurance was established in 1973, servicing the Hervey Bay and Fraser Coast district and fa

Caldwell Insurance was established in 1973, servicing not only the Hervey Bay and Fraser Coast district but far beyond with clients in most states and territories of Australia. Caldwell Insurance was founded by Mr Bob Caldwell (OM) and sold to Paul and Helen Graham in early 2013. We’ve retained the name of Caldwell Insurance out of respect for the heritage of the business and to signify that we wi

ll uphold the reputation of service, integrity and value for our clients.

“We don’t compete with our competitors – we set the standard in insurance.”

We have more than 60 years of combined office experience specialising in all facets of insurance including (but not limited to):

• Rural and farming
• Landlords’ cover
• Insurance for tradies
• Home and contents
• Commercial business
• Motor vehicle
• Boat and caravan
• Public liability
• Personal accident

Caldwell Insurance values family and community, and is pleased to sponsor, volunteer and be involved with a number of local and national organisations. One organisation we’re involved with is The Clubhouse Hervey Bay, where Manager Paul Graham was even featured in a recent advertisement! Like people in the local community choosing The Clubhouse, we feel a sense of pride when our clients choose us to protect them. We want to earn your recognition of ‘that’s my insurance broker!’

How to prioritise cover when budgets are tight. Every business is feeling the impact of rising costs. The challenge is k...
20/05/2026

How to prioritise cover when budgets are tight. Every business is feeling the impact of rising costs. The challenge is knowing where to cut back and where maintaining protection is essential. Not all risks carry the same weight and not all cover should be treated equally. Understanding that balance is key to making confident decisions. Get in touch today at (07) 4124 3122 if you’d like to better understand where your priorities should sit, we can help guide you.

In many industries, the biggest risks aren’t always on the job site, they’re in the contract. For contractors, tradies a...
06/05/2026

In many industries, the biggest risks aren’t always on the job site, they’re in the contract. For contractors, tradies and regional operators, signing agreements is part of the job. But some contracts include clauses that shift liability or extend responsibility beyond what your insurance is designed to cover.

This isn’t always obvious when securing work but it can become a real issue if something goes wrong. Understanding how your contracts align with your cover is an important part of protecting your business. If you’d like clarity on how your contracts and cover work together, get in touch with at (07) 4124 3122.

Cost cutting vs protection. With rising costs across the board, many businesses are looking for ways to reduce expenses....
29/04/2026

Cost cutting vs protection. With rising costs across the board, many businesses are looking for ways to reduce expenses. But when it comes to insurance, cutting back without understanding the impact can increase exposure in ways that aren’t immediately obvious. The goal isn’t simply to spend less, it’s to make informed decisions about where risk is retained and where it’s transferred. Reach out to us now at (07) 4124 3122 find out more about how we can help you.

What is the hidden impact of inflation on insurance? As costs rise, so does the potential gap between your cover and you...
22/04/2026

What is the hidden impact of inflation on insurance? As costs rise, so does the potential gap between your cover and your real exposure. Rebuild costs, equipment values and labour expenses have all increased but policies don’t automatically adjust to reflect that. This is where underinsurance can quietly become a risk. Contact us today at (07) 4124 3122 to find out more.

Taking out a policy isn’t the end of the process. After cover is in place, our role is about being there when questions ...
25/03/2026

Taking out a policy isn’t the end of the process. After cover is in place, our role is about being there when questions come up, circumstances change or something goes wrong.

That might mean:
- Clarifying what’s covered
- Talking through changes before they become issues
- Helping guide clients through a claim
- Acting as an advocate when it matters

Insurance works best when it’s supported by advice. That’s the role we play at Caldwell.

Weather isn’t the only risk crops face. Yield variability, market pressure, and income uncertainty all play a role in ho...
11/03/2026

Weather isn’t the only risk crops face. Yield variability, market pressure, and income uncertainty all play a role in how a season turns out. That’s why crop insurance isn’t just about what happens in the paddock, it’s about protecting revenue and supporting planning when outcomes don’t line up with expectations. When structured properly, it’s less about reacting to risk and more about giving growers confidence to plan ahead, season after season. Get in touch with us today at (07) 4124 3122 for more info.

When we review a policy, we’re not just checking the price or the renewal date. We look at what’s actually changed.That ...
04/03/2026

When we review a policy, we’re not just checking the price or the renewal date. We look at what’s actually changed.

That might be:
- New equipment or assets
- Changes in how the business operates
- Seasonal differences in risk
- Property use that looks different to last year
- and more

A review is about whether the cover still reflects how things run today, not how they looked when the policy was first taken out. That’s why reviews matter more than people realise. Contact us today at (07) 4124 3122 for a free, no-obligation quotation.

“Is landlord insurance still needed if the property is vacant?”It’s a common question and the answer isn’t always straig...
25/02/2026

“Is landlord insurance still needed if the property is vacant?”

It’s a common question and the answer isn’t always straightforward. Vacant properties can still carry risk and policies may apply different conditions or limits when no tenant is in place. A quick review can help clarify what’s covered and what may need adjusting. Get in touch with us today at (07) 4124 3122 for more info.

The new year means fresh projects but it also means new risks. Tool theft and damage are still some of the biggest setba...
21/01/2026

The new year means fresh projects but it also means new risks. Tool theft and damage are still some of the biggest setbacks Aussie tradies face. That’s where the right cover makes a difference. Caldwell Insurance helps protect what keeps your business moving - your tools, your income and your peace of mind. Don’t wait until it’s too late, protect your tools today! Reach out to us now at (07) 4124 3122 find out more about how we can help you.

2026 is here! A great time to reflect, reset and reassess your business cover. The right insurance helps your business s...
07/01/2026

2026 is here! A great time to reflect, reset and reassess your business cover. The right insurance helps your business stay strong, no matter what the year brings. We’re proud to continue supporting local businesses and communities through another successful year ahead. You work hard to run your business, we work hard to protect it. Contact us today at (07) 4124 3122 to review your insurance.

Address

Suite 8, 58-60 Torquay Road
Pialba, QLD
4655

Opening Hours

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

Telephone

+61741243122

Website

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