Your policy was written 12 months ago. How much has changed since then?
New staff. New contracts. New revenue. Same old cover. Maverick exists because the gap between your business and your insurance grows wider every month. And nobody is watching it.
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Business Packs
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Public & Product Liability
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Commercial Motor & Fleet
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Professional Indemnity
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Cyber & Management Liability
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Construction & Trade
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Business Packs
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Public & Product Liability
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Commercial Motor & Fleet
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Professional Indemnity
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Cyber & Management Liability
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Construction & Trade
The 11-month silence.
Here is how most commercial insurance works in Australia.Your adviser calls once a year. They send a renewal. You sign it because you are busy running a business. They collect their commission. Then silence. For eleven months.
In those eleven months, your turnover shifts. Your contracts change. Your headcount moves. Your exposure evolves. But the policy sitting in your drawer is still a snapshot of who you were last March.
That is not bad luck. That is a broken model.
We have seen this before.
Every industry has blind spots. Here are the ones we keep finding.
CONSTRUCTION & TRADES
Your subbie's policy says "general construction." The scope they are actually performing on your site is classified as high-risk demolition. When the claim lands, it does not land on them. It lands on you. We find this every single week.
PROFESSIONAL SERVICES
You have been quoting clients in Singapore for six months. Your Professional Indemnity still carries a geographic limit that stops at the Australian border. One complaint from offshore and you are completely exposed. Most firms do not check until it is too late.
HOSPITALITY & RETAIL
Your Machinery Breakdown covers the compressor repair. It does not cover the $15,000 of perishable stock that spoiled while you waited for the technician. That loss comes straight out of your margin. This one hurts because it feels like it should be covered. It is not.
CYBER (EVERY BUSINESS)
You added "Cyber" to your program because your adviser recommended it. But the fine print excludes social engineering. When someone tricks your accounts team into wiring $40,000 to a fake supplier, the insurer walks away. The most common cyber loss in Australian SMEs. Excluded from most basic policies.
This sort of thing happens more often than you think.
Do not wait for a claim to find out your policy has gaps.
Three things your current adviser probably is not doing.
Active monitoring
Your business changes monthly. We track the triggers that create gaps: new contracts, revenue jumps, additional sites, and headcount shifts. When something moves, we adjust your program in real time.
Plain language
An 80-page Product Disclosure Statement is designed to protect the insurer, not you. We extract the three things that actually matter and explain them like a human being. If you cannot explain your cover to your business partner in two sentences, you are not actually covered.
Claims warfare
When you need to claim, we do not just submit the paperwork and wait. We build the technical case for payment. We know where the grey areas live in policy wording, and we use every one of them on your side.
One adviser. Your adviser.
There's no handover. No rotating between advisers. You deal with someone you know every single time.
When you work with Maverick, you deal with the same senior risk specialist from the first conversation through every renewal, every mid-year adjustment, and every "I just won a massive contract at 3am, what do I need?" moment.
We keep our book small on purpose. Because doing this properly takes attention, dedication and true service.
Maverick Way
Reviews how your business actually operates
Fast answers and quick turnaround
Proactive as your business changes
Plain English explanations
Focused on protection
Quick replies
Modern systems to spot gaps early
Brokers who’ve run businesses
Traditional advisers
Relies on last year’s policy
Weeks of back-and-forth
Usually only at renewal
Jargon and long documents
Focused on placing policies
Slow email chains
Mostly manual processes
Career account managers
Independent, but not alone.
Maverick operates as a Corporate Authorised Representative of Insurance Advisernet, one of Australia's largest and most established advisory networks.
What that means in practice: we carry the negotiating power of a portfolio worth more than $440 million in gross written premium, backed by over 20 years of market experience and 400+ professionals nationally. Every major insurer in the country is on our panel.
You get a specialist adviser who knows your name, backed by a network that the insurers actually listen to.
15 minutes. We will tell you exactly where you stand.
Book a call. We pull up your current program, run it through the Maverick lens, and tell you honestly whether you have gaps or whether your setup is solid. No forms to fill out beforehand. No "send us your schedule of insurance." Just a straight conversation.
Gap?
We will show you what is exposed and what it would take to close it. Whether you do that with your current adviser or with us is entirely your call.
Solid!
We will tell you that your current adviser is doing a good job and you should stay put. No pressure, no pitch, no pesky follow-up.
You walk away with one of two things: a gap we uncovered that you can act on, or the certainty that your current program actually holds up. Either way, you are in a stronger position than you are right now.
No obligation
No need to switch
No pesky follow-up
Just 15 minutes
Straight answers.
Does switching advisers involve a lot of work?
No. We handle the transition from start to finish. You sign one letter of appointment and we manage everything else, including contacting your current adviser and the insurers directly.
Will this end up costing me more?
Usually the opposite. We audit what you are actually paying for, strip out cover you do not need, and use our panel access to negotiate harder on the cover you do. Most clients find the savings more than offset any gaps we fill.
How is Maverick different from a traditional adviser?
We monitor your program year-round, not just at renewal. We explain your cover in plain language. And when you need to claim, we build the case for payment rather than just submitting paperwork. The short version: we stay involved.