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General insurance

Protect what you’ve worked hard to build. You’ve put time, energy, and resources into building your business, your income, and your future. General insurance helps protect it all, so if something goes wrong, you have the support to recover and keep moving forward.

General insurance

Your life and work don’t fit into a template and your insurance shouldn’t either.

With access to a broad network of insurers and industry-specific policies, you can secure cover that’s aligned with your personal circumstances, your professional obligations, and your long-term goals.

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Review
Make sure your insurance reflects your current risks. We’ll help you assess your existing policies, highlight any gaps, and identify areas of your business that should be protected but may have been overlooked.

Market

Market
Access quotes from trusted underwriters whose cover aligns with your needs, not just the cheapest option, but the one that offers real value. We focus on strong protection, competitive pricing, and policies that do their job. 

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Compare
Understand your options clearly. You’ll receive a side-by-side comparison of policies so you can make an informed decision about the right level of cover for you and your business.

Gear

Manage
Keep it simple with one point of contact. From professional indemnity to business and personal insurance, we manage it all in one place so you’re never chasing providers or paperwork when  it matters most.

Book A Consultation

Key types of business cover to consider

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If your business provides advice or professional services, this cover is essential. It protects you against claims of negligence, error, or omission, helping you avoid serious financial consequences that can follow legal action and bankruptcy.

Accidents happen, even with the best precautions. Liability insurance covers your business against third-party injury or property damage, particularly important if you manufacture, sell, or supply physical products. It also helps cover legal and court costs tied to those claims.

A strong general business policy protects you against a wide range of risks, from equipment damage and asset loss to legal liability. With so many policies available, it’s important to get one that’s tailored to your operation, your industry, and your level of risk.
If you operate from a physical premises, property insurance protects against damage or loss due to events like fire, theft, or natural disasters. It’s a critical safeguard to keep your business running if the unexpected happens.
Cyber insurance protects against attacks, breaches, and digital threats that can compromise your operations or data. As technology becomes more integrated into how you do business, this cover becomes more essential than ever.

Additional cover tailored to your circumstances

For businesses in construction, property, or high-risk industries, these policies provide targeted protection where it’s needed most.

Contract works

Before any building work begins, it’s crucial to have contract works insurance in place. This protects against physical damage, liability claims, and loss of materials during construction, from the first peg in the ground to project completion.

Management liability

Protects company directors and officers from claims related to decisions made in their roles. Includes employment practices and company-wide liabilities.

Business interruption

When an insured event stops business in its tracks, this policy covers the shortfall in gross profits, helping you manage financial obligations and return to normal operations as quickly as possible.

Motor insurance

Protect your business vehicles against accidents, theft, and damage. This type of cover can be tailored to include cars, vans, trucks, bikes, buses, and heavy commercial vehicles in your fleet.

Business equipment

If your business uses mobile plant or specialised equipment, this policy ensures both the machinery, and the liabilities tied to its use are fully covered.

Strata insurance

Provides liability cover for shared areas in strata properties, including lifts, stairwells, car parks, gardens, and more.

Good insurance starts
with the right advice.
Let’s find the right fit for you.

What you get with Cutcher & Neale finance:

  • Access to up to 85% loan-to-value ratio (LVR) for owner-occupied and investment loans with no Lenders Mortgage Insurance.
  • Up to 90% loan-to-value ratio (LVR) available for lawyers and accountants, both owner-occupied and investment
  • Specialised credit policies tailored for medical, dental, legal and accounting professionals.
  • Discounted variable and fixed rates not always offered through standard channels.
  • Up to 10 interest offset accounts to better manage cash flow and repayments.
  • A broad, trusted lending panel to match your specific goals and circumstances
  • Ongoing banking relationship management through select finance partners
  • Regular finance reviews to ensure your lending continues to support your bigger picture 

Industry matters and so does expertise.

With deep industry expertise, we help you navigate the complexities unique to you and your profession.

Let’s build your
success together.

Get in touch to talk through your options clearly, calmly, and with your best interests in mind.

Book A Consultation

Get it super right:

  • Make informed decisions that grow your retirement savings
  • Understand fees, performance, insurance and contributions
  • Align your super strategy with your overall financial goals
  • Minimise tax on contributions and investment earnings
  • Choose the right fund or structure based on your needs
  • Stay compliant and confident with regulatory requirements
  • Use super as a wealth-building tool, not just a savings account
  • Maximise contribution opportunities while staying within limits
  • Plan for retirement on your terms

Our superannuation specialists help you understand what you have, what’s possible, and what changes will make the most impact.

Your team of general insurance experts.

Meet the head of the finance department:

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dean.menzies@cutcher.com.au

1800 988 522

Partner

Dean Menzies

BBus, Dip FP, Cert IV Finance Broking, MFAA Full Member

Dean specialises in providing finance solutions for our clients, including home loans, investment loans, refinance, commercial loans and specialised lending for certain professions.

Dean’s background in financial services includes around twelve years in private banking in Sydney and Newcastle which involved managing the lending & wealth requirements of high net worth individuals & families.

Dean’s experience enables Cutcher & Neale Finance to establish an independent, dedicated and specialist approach to our clients ongoing finance requirements.

Frequently asked questions

Every business is different. The right cover depends on the nature of your work, your risks, and what you want to protect. We’ll help you assess your current situation, identify any gaps, and recommend cover that fits your business and goals.
Yes. In many cases, bundling policies like business, property, and liability insurance can offer cost savings and make managing your cover simpler. We can help you structure a package that suits your needs.
Public liability covers injury or damage caused to others by your business, usually in a physical or public setting. Professional indemnity covers claims related to advice or services you’ve provided. Many businesses need both, especially in professional or service-based industries.
Absolutely. We can help you manage your professional, business, and personal insurance through a single contact point, making it easier to stay organised and ensure everything stays up to date.
No. We work with a broad panel of trusted insurers so we can recommend cover based on what’s right for you, not tied to any single provider.

Contact Us

Let’s talk. Your next step starts here.

1800 988 522

Sydney
Suite 1.03, Level 1, 100 Pacific Highway,
North Sydney 2060, Australia

Melbourne
Level 8, 60 Albert Road,
South Melbourne, VIC 3205, Australia

Brisbane
Suite 5, 36 Agnes Street, Fortitude Valley,
QLD 4006, Australia

Newcastle
Level 3, 130 Parry Street,
Newcastle West, NSW 2302, Australia

Ready to take the next step? We’re here to help you move forward with comfort and clarity.

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