Your commercial insurance partner

The right cover starts with understanding your business.

We don’t quote from a template. We learn how you operate, where the risks sit, and what a claim would actually cost you. Then we build cover around that.

Book 15 Minutes Or Self Audit (2 mins)

Our core offerings

Insurance That Fits How You Actually Operate.

Every product line we offer comes with a specialist adviser who explains exactly what you’re covered for, what you’re not, and why it matters for your specific business.

Business Pack Insurance

The foundation policy for most businesses. A Business Pack rolls your core covers into one: simpler to manage, easier to understand, and usually better value than buying them separately.

Public & Product Liability

Covers your legal liability if a third party suffers injury or property damage because of your business operations or your products. If someone gets hurt or their property is damaged and you’re found responsible, this policy responds.

Commercial Motor & Fleet

Cover for your business vehicles, from a single ute to a full fleet. Commercial motor insurance is different from personal car insurance in important ways, especially when vehicles are used by multiple drivers or for commercial purposes.

Professional Indemnity

Covers you if a client claims your professional advice, service, or recommendations caused them financial loss. This is particularly important for strata managers, consultants, architects, engineers, accountants, and any business providing specialist advice or services.

Cyber & Management Liability

Two of the fastest-growing risk areas for Australian SMEs. Cyber covers you when your systems, data, or operations are compromised. Management Liability covers directors and officers against claims arising from management decisions.

Construction & Trade Insurance

Specialist cover for the construction industry — from large builders to sole-trader tradies. This covers the work itself, your tools and equipment, and your liability on-site and after a job is completed.

Features

Specialist knowledge of your industry.

Every industry has its own risk profile. We know the ones that matter to strata managers, commercial property managers, SMEs, and the businesses that keep Australian properties and projects running.

Strata Management

We address the "Administrative Black Hole" for Strata Managers. Our concierge claims service and transparent fee structures help you manage buildings without the emotional or operational exhaustion of insurance admin.

Commercial Property

We protect the "Maths" of your assets. From fit-out inflation to "Lease-Link" compliance, we ensure your property portfolio is resilient against the structural cost crisis and regulatory shifts of 2026.

Construction & Trades

We build cover for the way construction actually works. From "Hard-to-Place" D&C risks to structural defect exclusions, we secure the specific placements that keep your projects moving and your balance sheet safe.

Professional Services

We move your practice from "protection" to "professional survival." We audit your AI governance, social engineering fraud exposure, and vicarious liability to ensure your PI policy actually holds up when it matters most.•

Retail Operations

We fight back against the "Triple Extortion" hacker and Organised Retail Crime. Our "White Glove" solutions include cyber hygiene audits and theft-prevention strategies that protect your stock, your staff, and your reputation.

Hospitality & Venues

We protect your solvency, not just your space. Through the "RespectInHospitality" framework and specialised insurer panels, we shield your personal assets from the rising costs of legal, HR, and late-night liability risks.

Transport Logistics

We manage the "Mobile Exposure" of your business. From load-specific liabilities to heavy motor recovery, we ensure your fleet stays on the road with cover that reflects the actual risks of Australian logistics in 2026.

Fleet Management

We provide data-led protection for high-volume vehicle assets. We focus on reducing your "Total Cost of Risk" through proactive maintenance alerts, driver safety frameworks, and streamlined claims handling for every vehicle you own.

Maverick Claims protocol

When the worst happens, we are at our best

A policy is only as good as the claim it pays. Our four-phase protocol ensures you are never left fighting an insurer alone.

Immediate Triage: Within 2 hours of notification, your claims advocate is on the case. Within 2 hours of notification, your claims advocate is on the case.
Evidence Gathering: We help you document the loss correctly the first time to avoid "delay-by-paperwork."
Insurer Negotiation: We challenge unfair denials and push for the maximum entitlement under your policy.
Final Settlement: We ensure funds are cleared and your business is back to "Business as Usual" as fast as humanly possible.

Learn more

Get an audit, not just a quote.

If you haven't had a deep-dive risk audit in the last 12 months, you are likely carrying "Silent Exclusions" that could sink your business. And just because it's an audit, it doesn't have to take you a bunch of time. We do most of the heavy lifting after the call, and come back to you quickly and with a clear path forward. That's because we like to do things a little different to traditional advisers...

Traditional advisers

Complicated policy wording

Set-and-forget renewals

Hidden commissions

Generic "off-the-shelf" cover

Contacted once a year

Maverick Way

Plain-English explanations

Ongoing monitoring and check-ins

Transparent pricing

Tailored protection for your business

Proactive advice all year round

Does using an adviser cost more?

Usually, it costs less. We use our market leverage to negotiate rates you can’t get going direct. Plus, we strip out the "fluff" cover you don’t need.

I’m already with a big firm. Why switch?

Big firms often mean big call centres and "template" advice. We’re local, we’re agile, and we actually give a damn about the outcome.

How much work is this for me?

Not much at all. Give us 15 minutes and a copy of your current schedule. We do the heavy lifting, the market research, and the negotiation.

Our Awards Reflect Our Commitment to Excellence

At Scaffold, we specialize in delivering comprehensive web solutions designed to enhance your online presence, drive targeted traffic, and boost your business growth.

Independent but not alone

Insurance Advisernet Australia backs Maverick Insurance. IAA has operated in Australia for over 20 years, currently employing over 400 people, with offices in all States and Territories (including New Zealand), transacting $440M in gross written premium under management.

Stop Guessing. Start Knowing.

Our team will help you quickly understand any gaps in your policies and help you get the most value from your insurance!