Portfolio review, renewal management, claims support, and gap analysis --- informed by your operational data.
The Reality
Your broker calls before renewal. You get a quote that's slightly more than last year. You sign it without really understanding what's covered and what isn't. The cycle repeats.
Nobody is proactively reviewing whether your coverage matches your actual risk---which changes as your business changes. A new vehicle, a new location, a new service offering, a new employee classification---each of these can create insurance gaps that only become visible when you make a claim.
What's Included
Comprehensive review of all current policies: public liability, professional indemnity, workers' compensation, property, motor, management liability, cyber, and industry-specific coverage.
Learn more →Ongoing assessment of whether your coverage matches your current risk profile. As your business changes, your insurance needs change too.
Learn more →Proactive management of renewal dates, market comparisons, and broker coordination. No more last-minute renewals at whatever rate is offered.
Learn more →Assistance with claim preparation, documentation, and insurer communication. Your advisor understands your business context, which strengthens claim narratives.
Learn more →Tracking and providing certificates of currency for clients, landlords, and other parties that require proof of coverage.
Learn more →Annual wage declarations, premium calculations, classification reviews, and coordination with your state's workers' compensation scheme.
Learn more →The Process
We collect and review all current insurance policies during onboarding. You get a comprehensive picture of your insurance landscape.
A gap analysis identifies coverage shortfalls and over-insurance. Addressing these gaps is the priority for the first 90 days.
Renewal dates are added to your compliance calendar with 90-day advance reminders. Proactive management prevents missed renewals.
Annual insurance reviews ensure coverage keeps pace with your business changes. Triggered by business milestones or operational data changes.
Who It's For
Insurance gaps can be catastrophic. Every business needs proper coverage.
Construction, healthcare, transport, and professional services face specific risks
Growing companies often have insurance that hasn't kept pace with growth
Physical assets need appropriate coverage and regular valuation reviews
Cross-Hub Integration
Insurance administration is powerful within Valont because your advisor has real operational data. They know your revenue, headcount, classifications, IT and cyber posture, and growth trajectory. Recommendations are grounded in actual business data, not self-reported estimates.
Find out in under 3 minutes with our free insurance gap analysis.
FAQ
We coordinate with insurance brokers and can facilitate placement through our broking relationships. The Operations Hub provides the administration and advisory layer --- ensuring your coverage is appropriate, your renewals are managed, and your claims are supported.
The gap analysis during onboarding will identify underinsurance. Common areas: professional indemnity limits that haven't kept pace with revenue growth, property coverage that doesn't reflect current replacement costs, and cyber insurance that's missing entirely.
Sometimes. Better risk documentation, implemented security measures, and accurate claims history can improve your risk profile. Market comparison at renewal ensures competitive pricing. But the primary goal is appropriate coverage, not the cheapest premium.
Workers' compensation is managed as part of insurance administration. We handle annual wage declarations, monitor experience ratings, and coordinate with your state scheme. Classification accuracy (from the People Hub) directly affects your workers' comp premium.
We help prepare claim documentation, liaise with insurers, and support the claims process. Having an advisor who understands your business context strengthens claim narratives and speeds resolution.
Annually as a minimum. But significant business changes (new locations, new services, revenue growth, new equipment) should trigger immediate reviews. We monitor your business data and flag insurance change triggers.
For most Australian businesses, cyber insurance is essential. It covers the residual risk that no security controls can eliminate entirely. Many insurers require evidence of security controls (like the Essential Eight) before they'll quote.
Your Trusted Advisor has real operational data: revenue (Finance Hub), headcount and classifications (People Hub), IT and cyber posture (Operations Hub), and growth trajectory (Growth Hub). Insurance recommendations are grounded in actual business data, not self-reported estimates.
Can't find the answer you're looking for? Get in touch
Book a free Operations Review and get a comprehensive insurance portfolio assessment.