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Contact Details
Mailing Address: PO Box 1183 Palm Beach, Queensland, Australia 4221
Office Location: 43 Larch Street Tallebudgera, Queensland, Australia 4228
Complaints Handling
If you have a concern or complaint about any aspect of our service, including the way your personal information has been handled, please contact us in the first instance. We will acknowledge your complaint promptly and aim to resolve it within a reasonable timeframe in accordance with our internal complaints procedure.
If you are not satisfied with our response, you may refer your complaint to the Australian Financial Complaints Authority (AFCA) — an independent external dispute resolution scheme approved by ASIC:
For complaints relating specifically to privacy or the handling of personal information, you may also contact the Office of the Australian Information Commissioner (OAIC):
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Licensing and Regulatory Information
This website is operated by Clark Family Pty Ltd (as Trustee for the Clark Family Trust), located at 43 Larch Street, Tallebudgera QLD 4228, A.C.N. 010 281 008.
Clark Family Pty Ltd is an Authorised Credit Representative of Saccasan Pty Ltd (Australian Credit Licence No. 386297) and an Authorised Representative of Unique Group Broker Services (Australian Financial Services Licence No. 509434).
For more information about licensing and regulatory matters, please visit the ASIC website.
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Recent insurance industry reporting has renewed attention on a familiar but often underestimated risk for small businesses: sums insured that no longer match the real cost of recovery. For Australian freelancers, consultants and sole traders, this is not just a problem for shopfronts or factories. A laptop-based business can still rely on specialist equipment, software, a fitted-out home office, client records, portable tools, stock, or a studio space that would be expensive to replace quickly. - read more
Recent general insurance results point to a sector that is in better financial shape than it was during the most intense period of claims inflation, severe weather losses and investment market volatility. Industry reporting on APRA data indicates that premium increases, stronger investment returns and more disciplined underwriting have helped Australian insurers rebuild margins, even as natural hazard risk and repair costs remain persistent pressure points. - read more
Australia’s insurance sector is facing renewed attention over claims handling, with regulators and industry observers continuing to focus on delays, communication failures and the practical impact on customers when a claim becomes difficult. For freelancers, consultants and sole traders, the issue is more than administrative. A slow claim can quickly affect income, client delivery and the ability to keep a business operating. - read more
ASIC’s Federal Court action against QBE Insurance has put insurance renewal pricing back under the microscope. The regulator alleges that some renewal communications may have given customers the impression that promised discounts had been properly applied, when the final premium calculation did not necessarily work that way. The case concerns consumer insurance, but the lesson is highly relevant for Australian freelancers, consultants and sole traders who often renew business cover while juggling client work, tax deadlines and cash flow pressure. - read more
Cyber insurance is moving from a niche add-on to a practical business consideration for Australian freelancers, consultants and sole traders. Recent industry commentary has highlighted that smaller operators are increasingly exposed to the same digital risks as larger organisations, but often without dedicated IT teams, formal incident response plans or large cash reserves. - read more
As a freelancer in Australia, navigating the complexities of your professional landscape can be both exhilarating and challenging. Among the many considerations that come with this career choice, insurance stands as a critical component for safeguarding your financial wellbeing. - read more
Freelancers and sole traders may need to make different types of insurance claims, from client disputes to illness, injury or business interruption. This guide explains the general claims process, what documents may be needed and the common issues that can affect claim outcomes. - read more
Freelancers in Australia are not always legally required to hold insurance, but some policies may be required by law, licence conditions, professional bodies, client contracts or worksite rules. This guide explains the difference between compulsory cover and optional risk protection. - read more
Freelancing has become an increasingly popular career choice in Australia, offering flexibility and the opportunity to work in diverse industries. Many are drawn to freelancing for the independence it provides, allowing them to manage their own time and projects. However, with the freedom of freelance work comes responsibility, particularly when it comes to financial protection. - read more
Freelancer insurance costs can vary widely because insurers assess occupation, services, income, cover limits, claims history and policy choices differently. This guide explains the main factors that can influence premiums for professional indemnity, public liability, income protection and related business insurance. - read more
Knowledgebase
Liability Insurance: Insurance that provides protection from claims arising from injuries or damage to other people or property
