Do you do CTP/Green Slips?

Yes - we are authorised agents of QBE and Allianz in relation to CTP/Green Slips in NSW.

As a start-up business, what cover do I need?

This depends on the type of business you are in. New insurance policies are being developed constantly as the world and the risks you face change. DKG Insurance Brokers undertake regular training and remain abreast of all developments within the industry, so they are well placed to regularly review your risk areas and advise accordingly.

How do I obtain a quote and how long does this take?

The duration of an insurance policy can vary depending on several factors, including the type of insurance, the insurer's processes and the specific terms and conditions of the policy. Typically, insurance policies can be issued and activated within a few days to a few weeks. However, more complex policies or those requiring additional underwriting may take longer to process.

Why should I use a broker instead of going direct with an insurance company?

As insurance brokers, our priority is to represent your interests at all times and to provide you with professional guidance in everything pertaining to your insurance in a market that is forever changing in premiums, product availability and policy conditions. Our team of Qualified Practising Insurance Brokers is trained to understand the differences between various policies and is often able to negotiate premiums that aren't available to you. In fact, some insurance policies are only available through intermediaries such as brokers. Our role as brokers is to source the most appropriate policies for your circumstances and to advise on the various areas of risk for you or your company.

What is a Product Disclosure Statement (PDS)?

A Product Disclosure Statement or PDS should be provided to retail clients prior to them making a decision to purchase an insurance policy. The PDS is issued by the insurer and highlights significant information about the policy of which you should be aware. This includes information about the insurer, significant benefits and features, things that are not covered, significant risks and other important information. You should carefully read the PDS prior to making a decision about purchasing an insurance policy.

What is a Financial Services Guide (FSG)?

A Financial Services Guide (FSG) must be given to a potential client by a licensee (or an Authorised Representative) as soon as practicable. It sets out information in relation to how we do business such as documenting the standard basis on which we act for the client; providing all statutory notices; other information required by law (e.g. how we get paid); and explaining how we will handle a client’s business.

2025 Unpacked: A big year for risk, opportunity and change

Posted on: 10 December 2025

Business Insurance

Cyber Insurance

Digital Assets

Insurance Risk Management

Outlook

Property Insurance

By Rouen van Eck and Carien Ahdar

How shifting markets, smarter protections and DKG’s advisory model shaped the year and what’s coming in 2026.

2025 has been a year of significant change across the insurance landscape, marked by rising market capacity, increased competition and ongoing evolution in cyber and digital risks. For DKG Insurance Brokers, it has also been a defining year in how we partner with customers: deepening our advisory model, strengthening our specialist capabilities and elevating the standard of risk guidance we deliver.

Leading DKG’s broking strategy, Rouen van Eck, Executive General Manager – Insurance, Risk and Strategy reflects on the year as one of renewed opportunity for customers and brokers alike. His perspective shapes the foundation of our 2025 review.

Market highlights

A more competitive market puts customers first

Rouen notes that one of the most significant shifts this year has been the surge in underwriting capacity, which has fundamentally altered the balance of options available to businesses.

“For the first time in many years, customers are not limited to one or two options,” he explains. “New specialist agencies have created genuine competition, not just in price, but in the value and features embedded within each policy.”

Across liability, business interruption, property and surety, markets have broadened their appetite. Softening conditions in several classes have allowed our customers to secure more tailored programs and better long-term value.

For SMEs in particular, new surety and bonding capacity has opened doors that historically favoured only large national builders, a shift Rouen describes as long overdue.

Industry changes to watch

Active cyber reshapes protection

Carien Ahdar, Senior Financial and Professional Risks Insurance Broker, is DKG’s specialist in cyber and emerging risks. Carien highlights cyber as one of the most dynamic shifts of 2025.

“Cybersecurity has moved beyond being just an insurance placement,” Carien notes. “Most standard cyber policies now include active monitoring, real-time alerts and embedded cybersecurity support. Customers are effectively purchasing both prevention and protection in a single package.”

“Insurers now conduct proactive system scans, monitor the dark web for any exposure of client data and promptly notify customers of emerging vulnerabilities; often well before the customer becomes aware,” Carien states. “Previously, this level of protection was reserved for large corporations. In 2025, SMEs finally gained affordable access, which is critical given their often-limited IT resources and constrained budgets compared to big business.”

Declining premiums, increasing regulatory scrutiny from ASIC and the Office of the Australian Information Commissioner (OAIC) and a surge in cybercrime targeting SMEs have driven rapid adoption across sectors. Cybersecurity concerns now outweigh supply chain issues and work health and safety (WHS) issues as the concern keeping business owners up at night.

Digital asset and fintech insurance gain momentum

Growth in digital financial services has driven increased demand for niche insurance solutions such as professional indemnity, directors’ liability, crime cover and regulatory compliance support.

“Underwriters are generally more prepared to engage with digital asset risks than before,” Carien notes.“It remains complex, but the market is broadening and businesses now have more viable pathways to securing coverage.”

As regulatory clarity continues to improve, 2026 is expected to bring further expansion in this specialised market.

DKG’s key achievements

Advisory-first engagement now fully embedded

This year, DKG completed a major evolution in the way we support customers, moving decisively away from transactional broking and toward a holistic, advisory-led approach.

“Insurance should be the final step, not the first,” says Rouen.“We now begin with contract reviews, risk assessments and exposure modelling. It ensures our customers are not just buying cover, they are buying certainty.”

The outcomes have been significant:

Program restructures that have delivered material savings and enhanced protection.
Stronger contractual risk transfer.
Improved underwriting results.
Clearer budgeting through transparent fee-for-service structures.

Lessons from 2025

Risk management first, insurance second

2025 reinforced the importance of addressing risk at the operational and contractual level before considering insurance placement.

“A certificate of currency is a promise,” Rouen reflects.“It must be supported by the right advice and the right structure. Otherwise, it does not hold up when customers need it most.”

Customers who invested in robust controls and cyber hygiene experienced better resilience and better underwriting outcomes.

2026 outlook

Stronger focus on customer outcomes and risk strategy

In 2026, DKG will continue expanding its advisory-led service model, with greater emphasis on:

Enterprise-wide risk identification.
Contract risk and compliance support.
Mitigation planning.
Claims strategy and advocacy.

Rouen views this as essential to protecting customers in a fast-changing risk environment.

Cyber becomes the most significant growth area for SMEs

“Cyber is no longer a solution reserved only for large enterprises and are generally no longer prohibitively priced” Carien explains. “SMEs now have access to robust, actively monitored protection and increasingly recognise that cyber risk is their greatest vulnerability.”

DKG will launch a Cyber Essentials Guide for SMEs early in 2026 to support customers in strengthening their digital posture.

Digital asset and fintech risks continue expanding

As more insurers and underwriters enter the market, customers can expect greater access to coverage but also tighter documentation requirements and more rigorous underwriting standards. DKG will continue delivering specialised guidance to help businesses navigate this evolving risk class.

Further softening across several lines

Liability, cyber and areas of property are all expected to continue softening, presenting opportunities for customers to refine and optimise their programs.

A message from Rouen

“Our priority for 2026 is to continue elevating our advisory capability while delivering clarity and security for customers,” Rouen says.“Businesses deserve more than a policy. They deserve a partner who understands their risks and stands with them through every stage of the journey.”

Thank you for your continued trust in DKG Insurance Brokers. We look forward to supporting your success in 2026 and beyond.

Next steps

To arrange a comprehensive policy review, contact Rouen, Carien or the DKG team on 1800 252 926 or email insurance@dkg.com.au.

Follow DKG Insurance Brokers on LinkedIn to access these insights as they’re published, along with updates on regulatory changes and practical risk management guidance.

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