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Fortis Risk Solutions (FRS)

Insurance Insights
from our Brokers

Protect Your Future with Fortis Risk Solutions

Plain-English answers to the insurance questions Melbourne business owners and families ask most: what a policy actually covers, how much cover is enough, what a certificate of currency proves, and where claims go wrong. Each article is written by the Fortis Risk Solutions broking team and checked against the regulator and government sources it cites. Cover types themselves are explained in the business and personal insurance ranges.

Fortis Risk Solutions, insurance brokers Melbourne

Who arranges contract works insurance: the builder or owner?

In most building contracts the builder arranges contract works insurance. Here is when the owner does it instead, and what to check before work starts.

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Fortis Risk Solutions, insurance brokers Melbourne

What is a certificate of currency and how do I get one?

A certificate of currency proves a policy was active on a given date. What it shows, who asks for one, how to get it, and the errors that get it rejected.

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Fortis Risk Solutions, insurance brokers Melbourne

Underinsurance: how to set sums insured so a claim pays

Underinsurance shows up at claim time, not at renewal. How to set building, stock and business interruption sums insured so a claim is paid in full.

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Fortis Risk Solutions, insurance brokers Melbourne

Strata insurance vs contents insurance: what owners must hold

The owners corporation insures the building. Apartment owners still need contents insurance for the fit out inside the lot. Here is where the boundary sits.

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Fortis Risk Solutions, insurance brokers Melbourne

Notifiable Data Breaches scheme: what small businesses must do

What the Notifiable Data Breaches scheme requires after a breach, which businesses it applies to, the assessment clock, and where cyber cover fits.

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Fortis Risk Solutions, insurance brokers Melbourne

Management liability vs professional indemnity: which pays?

Professional indemnity answers client claims about your work. Management liability answers claims about how the company is run. How to tell them apart.

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Fortis Risk Solutions, insurance brokers Melbourne

Landlord insurance vs home insurance: which does a rental need?

An investment property needs landlord insurance, not a standard home policy. Here is what changes once a tenant moves in, and what a landlord policy adds.

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Fortis Risk Solutions insurance broker office, Hawthorn

Is business insurance tax deductible in Australia?

Premiums for cover protecting business income and assets are generally deductible under ATO guidance. Where the line sits and what to ask your accountant.

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Fortis Risk Solutions, insurance brokers Melbourne

Insurance broker vs buying direct: what actually changes

Buying direct is quick and works for simple risks. A broker adds advice, wording comparison and claims help. An honest look at what changes for an owner.

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Fortis Risk Solutions insurance broker office, Box Hill

How much public liability insurance do I need?

There is no legal minimum. What sets your public liability limit: the contracts you sign, the worst case on your worst site, and the trade you work in.

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Fortis Risk Solutions, insurance brokers Melbourne

Does public liability insurance cover contractors?

Public liability rarely covers contractors the way owners assume. How subcontractor clauses work, what to collect from each trade, and where risk lands.

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Fortis Risk Solutions, insurance brokers Melbourne

Business interruption: how long should the indemnity period be?

Twelve months is the default and often too short. How to set a business interruption indemnity period that covers the rebuild and the recovery after it.

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