Business Interruption – What is it?


Business interruption insurance (also known as business income insurance) is a type of insurance that covers the loss of income that a business suffers after a disaster. The income loss covered may be due to disaster-related closing of the business facility or due to the rebuilding process after a disaster.

Business interruption is one section on […]

Business Interruption – What is it?2019-01-18T13:05:34+00:00

Tips on keeping your house safe while leaving for the holiday season


Tips On Keeping Your House Safe When Leaving For The Holiday Season

As Christmas draws near many of us plan to leave our home and travel to see our families and sometimes we are away for days. It is a very common time of year for thieves to break into your home and […]

Tips on keeping your house safe while leaving for the holiday season2018-12-19T10:57:43+00:00

Make your business Cyber Safe


Current estimates show that cyber crime is costing the Australian economy more than $1 billion every year.

Recently the Minister for Law Enforcement and Cyber Security, Angus Taylor and DUAL Asia Pacific CEO, Damien Coates, caught up with SBS TV show Small Business Secrets to talk about the importance of SMEs […]

Make your business Cyber Safe2018-08-16T08:19:51+00:00

Claims Story: Storm Damage



In the office we are continuously telling clients the reason you pay insurance is to ensure a claim is paid.  In a unfortunate act of nature the damage to a building can be severe.


In recent storms, a senior client had the entire roof on their home destroyed. The physical damage is nothing compared to the […]

Claims Story: Storm Damage2018-07-11T08:28:07+00:00

Landlords Insurance


Landlords Insurance is an insurance policy that covers a property owner from damages connected with rental properties.

The main features of a Landlords policy through Arma Insurance Brokerage includes the following:


Building Insurance:

Covers the building in the event that they are destroyed or damaged


Landlords Contents:

Covers the contents if they are destroyed, lost or damaged.  Landlords Contents […]

Landlords Insurance2018-07-04T15:21:11+00:00

Under Insurance – Is it worth the risk?



This month we are concentrating on something that effects most types of Insurance policies – Underinsurance.

What is Underinsurance
Underinsurance is when you do not have adequate insurance to cover the cost of loss or damage to the insured item.  It might seem like a good idea to save money on your insurance premium however there are […]

Under Insurance – Is it worth the risk?2018-07-04T13:39:40+00:00

Smash Repairs




Recently we have had a surge in Motor Insurance claims.  Unfortunately this comes with the territory of being insurance brokers, however we wish to remind all our clients to remain safe on the road.

All of our Motor Insurance policies have a client’s choice of repairer.  This is a massive advantage as in the event of […]

Smash Repairs2018-06-15T13:40:14+00:00

Claims Story – Cyber Theft


This claims story unfortunately is not a Disney Fairy Tale. This about a lesson in listening to advice provided and
understanding the cover you have.

This week a client called the office advising that one of the subcontractors they regularly use was chasing them for $50,000.

Our client had received an invoice from the subcontractor via email, this email detailed that the subcontractor had new bank details

and that the payment needed to go directly to these details. Our client promptly paid the invoice to the new account.

Unbeknown to our client the email had been hacked and the new bank details were the hackers details.

Our client has since contacted the police and the bank to attempt to recover his lost funds, these attempts have been unsuccessful.

The client still owes his subcontractor more than $50,000.

This is not something that is covered under a Public Liability policy,

this is something that may have been covered under a Cyber Insurance policy.

As the clients Insurance Broker we had previously recommended

Cyber Insurance and the client advised he did not want cover.

As your dedicated Insurance Broker it is our job to identify risks

in your business and recommend solutions to solve them.

As clients it is your job to listen to all advice provided.

We encourage all clients to consider our recommendations thoroughly.

However at the end of the day it is your decision to whether

we can implement policies on your behalf.

Claims Story – Cyber Theft2019-01-09T11:46:48+00:00

Motor Insurance






There are three main types of

Motor Insurance:

1. Comprehensive
2. Third Party, Fire and Theft
3. Third Party only

The most common cover we see everyday is comprehensive cover as this provides the best cover for your vehicle and any vehicle or property you may damage in an accident.  However the main benefits of a Comprehensive Insurance Policy […]

Motor Insurance2018-05-30T08:38:16+00:00