Frequently Asked Questions

We recommend reviewing your insurance policies at least once a year or whenever there is a significant change in your business or personal circumstances (e.g., new assets, expanded operations, etc.). This ensures that your coverage remains adequate for your needs.

• Public Liability Insurance: Covers you for claims made by third parties for injury or property damage caused during the course of your business.
• Professional Indemnity Insurance: Protects you against claims of negligence or mistakes in the professional services or advice you provide.

The need for public liability and/or professional indemnity insurance depends on your specific business activities. If your business involves interacting with the public or providing professional services, it’s likely that you’ll need both types of insurance. You can discuss with our brokers during the consultation and we can help you determine the specific coverage you may need.

Yes, many insurance companies offer instalment payment options, allowing you to spread the cost of your premiums over time. We can discuss this option when setting up your policy.

Yes, we can review your existing policies to ensure you have the right coverage at the best possible price. If we find better options, we can assist with transitioning to a new policy without any lapses in coverage.

To make a claim, simply contact your dedicated broker via email or phone and provide the details about the incident. The broker will guide you through the claims process, liaise with the insurance company on your behalf, and ensure the process runs as smoothly as possible.

To provide an accurate insurance quote, you’ll need to supply information such as:

• The nature of your business or personal assets (e.g., home, car)
• Any previous claims history
• Specific risks or exposures you’re concerned about
• Coverage limits and types of protection you need

To start the quote process, you can fill out the form here (insert link to quote form page) and our Broker will be in touch.

No, in most cases, using an insurance broker does not cost you more. Brokers have access to competitive rates from multiple insurers and may even help you secure better deals than going directly to an insurance company.

Brokers are usually paid through a commission from the insurance company when a policy is purchased or renewed. In some cases, there may also be a brokerage fee occurred. We are transparent about all fees, and we will inform you upfront.

An insurance broker acts on your behalf to find the best insurance coverage for your needs. We assess your requirements, compare options from various insurers, and recommend policies that provide the best protection at competitive prices. We also assist with claims, renewals, and managing your policies.

At Stella Brokers, we offer a wide range of insurance products including:

• Home and contents insurance
• Business insurance
• Professional indemnity insurance
• Public liability insurance
• Cyber insurance
• Marine
• Business Interruption
• Management Liability
• Commercial Vehicle
• Strata Insurance