FAQs

DKG has one of the most experienced in-house specialist claims management teams in Australia, which can make a significant difference in the outcome of your claim. Our team ensures that you receive the support, guidance and advocacy needed to navigate the claims process successfully.

No. The schemes in New South Wales, Victoria, Queensland, South Australia, Western Australia, Tasmania, the Northern Territory, the Australian Capital Territory and the Commonwealth Comcare system differ in how cover is arranged, how premium is set and how claims are managed. Some are privately underwritten and some are managed by a state scheme, which affects the role a broker can play.

A broker can support the parts of workers compensation it is able to act on in the relevant scheme, such as policy set-up and renewal, premium and classification, claims support, return-to-work coordination and governance. DKG is clear about which schemes it actively services and where a scheme limits the broker role.

We support premium and claims management within the rules of the relevant scheme, but premium is set by the scheme and the insurer based on factors including classification and claims experience. We do not guarantee premium savings, claim outcomes or compliance.

Buy-sell cover is designed to fund the transfer of a departing owner's equity if an owner dies or, subject to wording, becomes totally and permanently disabled, so the remaining owners can buy that share. Key person insurance pays the business a lump sum to help absorb the financial impact of losing an individual it depends on. Both are usually funded by life insurance and are subject to policy wording.

Businesses that rely heavily on one individual for revenue, relationships, knowledge or leadership often consider key person cover. It is designed to give the business funds to manage the transition while it recruits, restructures or stabilises, subject to policy wording.

A buy-sell agreement is commonly funded by life insurance arranged to align with the ownership structure, whether cross-purchase, trustee or entity, or self-ownership. The legal agreement and its tax treatment sit with your lawyer and accountant. DKG structures the cover to support the agreement they put in place.

No. DKG is an advisory-led general insurance broker. The ownership structure, the buy-sell agreement and the tax treatment of any proceeds sit with your accountant and lawyer. We design and place the cover that supports what they put in place.

Personal life insurance is designed to pay a lump sum on death, and subject to definition and wording, on diagnosis of a terminal illness. The funds can be directed to repay debt, support dependants, meet ownership obligations or support an estate plan. Cover is subject to underwriting, terms, conditions, exclusions and policy wording.

Personal life insurance is usually owned by the individual and answers a personal exposure, such as the obligations and people that depend on you. Key person insurance is owned by the business and answers a business exposure. They are designed for different purposes and are often held alongside each other.

Personal life insurance is generally individually owned, which keeps it distinct from business-owned key person cover. How a policy is owned and who it pays depend on your circumstances, and those personal, legal and tax questions sit with your own adviser.

Total and permanent disability insurance is designed to pay a lump sum where illness or injury permanently prevents the insured person from working, as defined by the policy. It is often held alongside or attached to life cover and is subject to underwriting, terms, conditions, exclusions and policy wording.

The two are different definitions of total and permanent disability. An "own occupation" definition assesses whether you can return to your own occupation, while an "any occupation" definition assesses whether you can work in any occupation suited to your training, education or experience. The definitions differ in when a claim is payable, and the policy wording sets out which applies.

Business owners, high-income professionals and employees with debt or family responsibilities often consider TPD cover, because it is designed to answer the permanent loss of earning capacity. What suits you depends on your occupation, obligations and what underwriting will support.

A TPD claim is assessed against the policy's definition of total and permanent disability and the evidence provided. DKG acts as your advocate and helps prepare and present the claim, but the insurer and the policy wording determine the outcome.

Income protection is an individually owned policy designed to replace a portion of your income, commonly paid as a monthly benefit, if illness or injury stops you working for a period. The benefit starts after a waiting period and is payable for a defined benefit period, subject to occupation, income, underwriting and policy wording.

Income protection is individually owned and underwritten and answers a personal income exposure. Salary continuance is an employer-funded group benefit, arranged across a defined group of employees and group-underwritten. They are designed for different purposes and are not the same cover. Employers reviewing a group benefit should see Employer Group Life and Salary Continuance.

Self-employed clients and business owners often carry their own income exposure with no employer arrangement behind them, which is why income protection is frequently relevant for them. An adjacent Business Expenses option can also help meet fixed business costs during a period of disability. What suits you depends on your circumstances and what underwriting will support.

No. Income protection responds to illness or injury that stops you working, not unemployment or redundancy. What a policy covers and excludes is determined by the insurer and the policy wording.

Trauma insurance, also called critical illness cover, is designed to pay a lump sum on diagnosis of a specified serious medical event such as cancer, heart attack or stroke, as defined by the policy. The covered conditions and their definitions are set by the insurer, and cover is subject to underwriting, terms, conditions, exclusions and policy wording.

Trauma policies respond to a list of specified conditions, each with its own definition and often a severity threshold. The conditions and definitions vary by insurer, so cover should be read from the policy wording rather than assumed. DKG works through what a policy does and does not respond to before any cover is placed.

Trauma insurance is designed to pay a lump sum on diagnosis of a listed serious condition, whether or not you can keep working. Total and permanent disability cover is designed to pay where illness or injury permanently prevents you from working, as defined by the policy. They answer different events and are often held alongside each other.

No. A trauma policy responds only to the conditions listed in its wording that meet the policy definitions and any severity requirements. What a policy covers and excludes is determined by the insurer and the policy wording.

It is a group benefits programme an employer funds and arranges across a defined group of employees, usually under a group policy with limited or automatic-acceptance underwriting. It can include group life, group total and permanent disability and group salary continuance, and it is subject to underwriting, terms, conditions, exclusions and policy wording.

Group salary continuance is arranged and funded by the employer across a defined group of employees and is group-underwritten. Individual income protection is owned by the person and individually underwritten. They are designed for different purposes and are not the same cover. Individuals reviewing their own cover should see Income Protection Insurance.

Many group policies provide cover up to a set level without individual underwriting, known as the automatic-acceptance limit, so most eligible employees can be covered. Cover above that level is usually subject to underwriting. The terms are set by the insurer and the group policy wording.

A group programme covers the defined group of employees set out in the policy's eligibility terms. Individuals outside the eligible group, and cover above the automatic-acceptance limit that has not been underwritten, are usually not covered. Eligibility is determined by the group policy wording.

Corporate health insurance is health cover an employer arranges and offers to employees as a workforce benefit, often with employer-contribution options. The benefits available are set by the health insurer's product, and the arrangement is subject to product terms.

The employer arranges a corporate health plan at employer level and can choose to contribute toward the cost, so employees access cover as part of the benefits programme rather than arranging it individually. What the plan provides is determined by the health insurer's product.

Corporate health insurance is a workforce benefit that provides access to a health plan. It does not guarantee health, productivity, engagement or absence outcomes, and we do not claim those results. The benefit is the access and the employer-contribution structure.

Corporate health can sit alongside other workforce levers such as employer group life and salary continuance, employee assistance programs and injury management. DKG helps employers see how it fits the wider people-risk and benefits programme.

Business travel and personal accident cover is designed to respond to emergency medical costs, assistance and evacuation, travel disruption and accidental injury for employees while they travel for work or carry an occupational accident risk. The components included depend on the policy, and cover is subject to underwriting, terms, conditions, exclusions and policy wording.

Personal accident cover can provide a lump sum or weekly benefit if an employee is accidentally injured, which supports the individual and the business that depends on them. Employers often arrange it alongside business travel cover to support their duty of care to a mobile or accident-exposed workforce, subject to policy wording.

Cover for higher-risk destinations depends on the policy, the destination and official travel advice, and some regions may be excluded. For businesses with international assignments or high-risk travel, additional specialist considerations can be discussed privately. DKG reviews your travel footprint before cover is placed.

Business travel and personal accident cover is built around trips and occupational accident risk. Expatriate and inpatriate medical cover is built around employees based overseas, inbound staff and mobile executives who need continuity of medical care across borders. Many employers with a mobile workforce consider both.

An Employee Assistance Program, or EAP, is a confidential support service that gives employees access to counselling and wellbeing resources for personal or work-related challenges, often including their immediate family. It is usually a service arrangement rather than an insurance policy, and what it includes is set by the provider's service terms.

No. An EAP is a confidential support service, not an insurance policy. It provides counselling and wellbeing support under a provider's service terms rather than responding to a claim under a policy wording. DKG advises on how it fits within a wider people-risk programme.

An EAP is generally available to an employer's staff, and often to their immediate family, depending on the provider. It is designed to give confidential access to support for personal or work-related challenges, with the scope and delivery model set by the provider.

An EAP is one part of a people-risk programme and can connect to workers compensation, injury management and corporate health. Where it relates to a workplace injury, DKG helps coordinate it with the rest of the programme, including return-to-work planning.

Injury management and return to work is a support and advisory capability that helps an employer manage an injured or absent worker through to a safe, structured and sustainable return. It connects to workers compensation and the employer's obligations and involves return-to-work planning, absence management and coordination with insurers and treating practitioners. It is a service, not an insurance policy.

We do not promise a reduction in premium, in lost time or in the duration of a claim. Injury management and return to work supports and coordinates the process, but statutory entitlements are set by the relevant scheme and outcomes are determined by the insurer, the medical evidence and the scheme rules.

Return to work sits within the workers compensation process. Injury management coordinates the insurer, treating practitioners and the employer, and supports the employer in meeting its obligations across the claim. DKG helps connect it to your workers compensation arrangement and the wider people-risk programme.

A return-to-work plan is designed around the individual, the role and the medical guidance, and it involves the employer, the insurer and treating practitioners. DKG supports and coordinates the process and keeps the employer informed, but it does not replace the role of the insurer, the practitioners or the regulator.

It is specialist medical cover for employees who work across borders: employees on overseas assignment (expatriate), inbound employees working in Australia (inpatriate) and mobile executives. It is designed to support continuity of medical care across borders, with attention to local compliance considerations, subject to policy wording and local regulation.

It is generally for employers with multiple overseas assignments, inbound staff or a mobile-executive population, rather than for a single individual buying a generic product. DKG offers it as specialist support and reviews whether it fits an employer's international footprint.

Expatriate cover supports employees sent to work overseas, while inpatriate cover supports employees who come into Australia to work. Both are designed to support continuity of medical care across borders, with attention to the rules of the relevant country, subject to policy wording and local regulation.

Not necessarily. Routine cover that a local statutory or health system or another policy already provides is usually outside this cover, and local insurance-admission rules vary by country. DKG keeps the approach general and reviews the specifics with you before cover is placed.

Typically not but this is dependant on the quality of the cyber product. Standard cyber and crime policies were generally not drafted with digital assets in mind and definitions of covered property matter. Theft of assets held in custody usually needs specialist cover and the boundary between cyber, crime and custody policies should be engineered deliberately so the exposure has one clear home. Whether any given policy responds is a wording question but requires the services of an experienced liability insurance broker.

In general terms: a clearly described business model, disciplined custody architecture including the hot and cold storage split, documented key management, governance maturity, audit history and a clear regulatory position. The market underwrites the controls as much as the business and the quality of the technical submission materially affects the terms offered.

It depends entirely on the wording and the circumstances. Some custody covers can respond to loss involving compromise of private keys, subject to the insured having followed the key management procedures stated to the insurer. Loss arising from failure to follow those procedures is commonly excluded and unverifiable loss is a standard limitation.

Cyber insurance is designed to help fund the response to a cyber event and its consequences. Cover can include incident response, forensic and legal costs, notification support, data restoration, lost revenue during digital interruption and liability to third parties, subject to policy wording. Policies differ widely, particularly on sub-limits and extensions, so the wording matters as much as the headline limit.

Some policies include cyber extortion cover, which may respond to extortion demands and the costs of managing them, where lawful and subject to policy terms. Whether and how any payment is covered depends on the wording, the insurer's assessment and the law at the time. No outcome can be assumed, and prevention and recovery capability remain the primary defence.

Any business that takes payments, holds customer or employee data or depends on systems to trade carries cyber exposure. Attacks are largely automated, so size offers little protection, and smaller businesses are often the least defended. Customers and contracts increasingly require cover to be held. Whether cover is appropriate depends on your operations, which is a review conversation rather than a yes or no.

Sometimes, and this is one of the most common gaps in the market. Cover for fraudulent funds transfer and social engineering may be sub-limited, optional or sit in a crime policy rather than the cyber policy. The two policies need to be read together so the exposure has a deliberate home. DKG reviews this boundary as part of programme design.

Insurers generally expect a baseline of controls before offering terms, commonly including multi-factor authentication, tested backups and endpoint protection, with exact requirements set by each insurer's proposal. Accuracy matters: control attestations form part of the contract, and answers that were aspirational rather than true can ground disputes later.