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.

EOFY business insurance health check

Name: DKG Insurance Brokers
Address: Level 3, Suite 10/345 Pacific Hwy, site_locality, NSW, 2060, Australia
Telephone: +61 2 9929 7299
Price range: Contact Us
Rating: 5.0/5

Posted on: 28 May 2025

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Business Insurance

End of Financial Year

Insurance Risk Management

28 May 2025

As the end of the financial year approaches, it’s natural to reflect on business performance, revenue and expenses. But one critical area is often overlooked: your insurance coverage.

In a climate marked by rising costs, policy uncertainty and economic fragility, ensuring your cover still fits your business is essential.

“EOFY is a strategic opportunity to reassess your risk exposure and future-proof your operations,” says Rouen Van Eck, Executive General Manager – Insurance, Risk and Strategy.

Business insurance health check: Four questions every owner should ask

We’ve distilled key conversations with our customers and partners into four deceptively simple questions that reveal much about the health of your insurance strategy:

If a catastrophic event happened tonight, would your cover put you back where you were?
Could you honestly say, with peace of mind, that your insurances would restore your position, whether the loss is to property, people or income?
Can your business survive if you can’t work?
For founders and sole directors especially, it’s not just about insuring assets, it’s about insuring your income and capacity to recover. Think: income protection, key person cover and even trauma cover.
Could your business stay afloat through a disruption?
Whether it’s a fire, flood or supply chain halt, business interruption insurance could be the difference between survival and closure. Too few Australian companies carry it, despite mounting risks.
Are you protected if you’re taken to court?
Legal disputes are on the rise, but legal expense insurance, covering advice, representation and settlement costs, is still underutilised. It’s worth asking: if the legal letter came today, would you be ready?

What DKG Insurance Brokers recommends

In times like these, proactive risk management is more than a best practice, it’s a strategic imperative.

“At DKG, we’re helping businesses pivot their cover to keep pace with real-world change, whether that’s adjusting to tighter policies or responding to new types of risk,” says van Eck.

Here’s how we’re advising customers:

Spot new gaps: From legal expense insurance to new standalone covers, the market is evolving. We’ll help you uncover policies that match your growing risk landscape.
Review risk portfolios: Now is the time to reassess your business interruption, liability, professional indemnity and key person cover. Business models and risks change, therefore, your cover should too.
Adapt to policy volatility: With rising premiums and policy tightening across industries, especially in rural and niche sectors, don’t set and forget. Let’s review what’s changed in your business this year.

Looking ahead

EOFY is the ideal time for clarity, not just on your finances, but on your foundations. If something happens tomorrow, will you be standing strong next quarter?

Let’s make sure the answer is a resounding “yes”.

Book your EOFY readiness business insurance health check today. No pressure. Just perspective.

Please contact us today on 1800 252 926 or email us at insurance@dkg.com.au.

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