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Why you should choose
HMD Insurance Brokers.
We offer the strength and stability of any national insurance broker, with a fresh, modern approach and commitment to innovation. We will take the time to understand you and your business to become a natural extension of your team. Our personalised approach will provide strategic market insight and tailored advice to deliver innovative, fit for purpose insurance and risk management solutions.
Unsurpassed insurance knowledge, a highly experienced team and a commitment to innovation. Our Expert Insurance Broker help our clients to navigate the complexities of the insurance landscape and provide expertise that extends beyond insurance. We deliver risk and insurance insights on how industry trends, legislative change, and the current political landscape can impact your organisation.
Our team is focused on providing proactive client centric service and advice, which has been gained from over 40 years of experience. As a principal-owned risk and insurance adviser, we are committed to providing both long term stability and continuity to our clients and will ensure a Director of HMD will oversee all client related matters.
Specialities With Industry Focus
Client Experiences That Speak for Themselves
“I was recommended to David from HMD Insurance, so I decided to give him a call. After reviewing my insurance policy from an online provider, he pointed out that it was completely unsuitable for our business structure. It’s essential to get the correct advice. Thank you!”
Your Trusted Partner in Insurance and Risk Management
General Insurance
Risk Advisory
Workplace Risk
Claims Advocacy
Hear Directly
From HMD Insurance Experts
- Business Insurance
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Frequently Asked Questions
Everything You Need to Know About Our Insurance and Risk Solutions — Your Most Common Questions Answered in One Place
What's the difference between an insurance broker and an insurer?
An insurance broker like HMD works for you, not the insurer. We access a wide panel of leading insurers to find the right cover at the right price for your specific situation. Going direct means you’re limited to one insurer’s products and relying on their staff who represent their interests, not yours. As your broker, we also advocate on your behalf at claims time, which can make a significant difference to the outcome.
What types of business insurance does HMD arrange?
We arrange a broad range of commercial insurance solutions including public and products liability, professional indemnity, management liability, property and business interruption, workers’ compensation, cyber insurance, marine cargo, and more. We also specialise in specific industries — including scaffolding, agribusiness, aged care, real estate, sport and leisure, and higher education — where we understand the unique risks involved.
How do I know if I have the right level of cover for my business?
Many businesses don’t discover gaps in their cover until they make a claim, by which point it’s too late. Our advisers conduct a thorough risk review of your business to identify exposures you may not have considered. We then tailor a program that aligns with your operations, contractual obligations, and risk appetite. We recommend reviewing your cover annually or whenever your business changes significantly.
What happens when I need to make a claim?
HMD provides dedicated claims advocacy throughout the process. We liaise directly with insurers on your behalf, help you prepare and lodge your claim correctly, and work to achieve the best possible outcome in the shortest time. You won’t be left navigating the process alone — we’re in your corner from first notification to final settlement.