Excelsior Insurance Services

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Excelsior Insurance Services

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Excelsior Insurance Services is your trusted partner for business insurance & risk services.

We specialise in understanding the unique needs of businesses, offering tailored solutions to safeguard you and your assets.

30/09/2026

A claim can surface long after the work was done. The question is: which policy responds? That’s where the difference between claims-made and occurrence-based liability cover matters.

With occurrence-based cover, the key factor is generally when the event happened. If the insured event occurred during the policy period, that policy may respond even if the claim is made later. In the case of claims-made cover, the focus is generally when the claim is first made against you during the policy period, subject to the policy terms, retroactive date and notification requirements.

Why does that matter? Because changing insurers, allowing cover to lapse or overlooking a circumstance that should have been notified can potentially affect how a future claim is dealt with. Australian law also contains specific provisions around notification of circumstances for certain claims-made liability policies.

The policy you had when the work was done may not always be the policy that matters. Not sure which basis applies to your business? Send us a DM or call 0431 341 108 to review your cover.

28/09/2026

A renewal notice can look familiar, but that doesn’t mean everything is the same as last year.

Premiums, excesses, limits, exclusions and policy conditions can all be worth checking before you renew. Sometimes, the details that matter most aren’t the ones you notice at first glance.

Rather than simply asking, 'How much is the renewal?', take a moment to ask: 'What am I actually getting for that premium?'

A proper review gives you the opportunity to understand your cover, question any changes and make an informed decision before committing for another year. Because renewing a policy is easy but knowing what you’re renewing is what matters.

If your renewal is approaching, get in touch with Excelsior Insurance Services for a review.

26/09/2026

Inflation has affected both businesses and consumers, and its impact can extend to the cost of insurance.

Although inflation is easing, the cost of building materials, machinery, equipment and vehicle parts increased by 2.5% in the year to the March 2026 quarter. Rising repair and rebuilding costs can contribute to higher insurance premiums and make it more important to review the values you have insured.

If your sums insured no longer reflect the current cost to rebuild or replace your assets, you may be at risk of underinsurance. Reviewing the replacement values of your buildings, machinery and contents can help reduce the risk of a gap between what you are insured for and what it may actually cost to recover after a loss.

Regular insurance reviews can help ensure your cover, sums insured and excesses continue to reflect your business and current market conditions.

Source: ABS Producer Price Indexes data

24/09/2026

Your contractor has insurance, but does that mean your business is protected? Not necessarily.

Contractors' policies generally cover their own responsibilities, while your business may still have its own exposure depending on the work being performed and the contractual arrangements in place.

Before outsourcing work, take the time to review your insurance, clarify who is responsible for what and identify any gaps before they become costly problems. Send us a DM to discuss your contractor arrangements.

22/09/2026

Running a business without insurance can leave you carrying the full financial impact when something goes wrong. Insurance isn’t an expense; it’s a way to protect your business, maintain stability and have greater peace of mind when the unexpected happens.

Call us on 0431 341 108 or send us a DM to assess your risks and put appropriate insurance solutions in place as your business evolves.

19/09/2026

Many business owners come to us thinking they need a new insurance policy. More often than not, what they actually need is a conversation.

A conversation about how their business has changed, the risks they face today and whether their insurance still reflects the way they operate. That's where professional advice adds value. It isn't about selling more insurance. It's about asking the right questions, identifying potential gaps and helping you make informed decisions that support your business over the long term.

Talk to an expert today, DM us or simply visit our website https://excelsiorins.com.au/

17/09/2026

Selling products online creates exciting opportunities for growth, but it also introduces risks that many businesses don't consider until something goes wrong.

From cyber incidents and customer data breaches to product liability, damaged stock and shipping issues, online retailers face a wide range of exposures that can affect day-to-day operations. As your business grows, it's worth reviewing both your risk management practices and your insurance to ensure they continue to reflect the way you operate today.

At Excelsior, we help businesses assess their risks and recommend insurance solutions that support their growth with confidence.
📞 0431 341 108 l https://excelsiorins.com.au/

15/09/2026

Running a small business comes with a wide range of responsibilities, and managing risk is one of them. From employee injuries and public liability to cyber risks and professional advice, small oversights can lead to significant financial consequences.

Here are five common pitfalls every business owner should be aware of, and why reviewing your insurance regularly is just as important as managing your day-to-day operations.

If it's been a while since you last reviewed your business insurance, call 0431 341 108 or send us a DM.

13/09/2026

A disruption to your business can have financial consequences that extend well beyond the initial damage.

Business Interruption Insurance may help support your business by covering certain financial losses and ongoing expenses following an insured event, depending on your policy and circumstances.

Call 0431 341 108 or send us a DM to discuss your business insurance.

10/09/2026

Deepfakes are no longer just something you see online. They're becoming a genuine business risk.

From AI-generated voices requesting urgent payments to convincing fake videos used in phishing attacks, these scams are becoming more difficult to detect. As technology evolves, businesses need to strengthen both their cyber security and their risk management strategies.

A review of your cyber insurance is one way to help ensure your business is prepared for emerging threats. Call us at 0431 341 108 to discuss whether your business is adequately protected against today's cyber risks.

Address

PO Box 3094
Thornton, NSW
2322

Telephone

+61431341108

Website

http://www.excelsiorins.com.au/

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