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# Barrack Broking

## Sitemaps
[XML Sitemap](https://www.barrack.com.au/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [Contractor Liability Risks in Construction Projects: What Businesses Should Review](https://www.barrack.com.au/contractor-liability-risks/): For many businesses in the sector, contractor liability is no longer just about maintaining a public liability policy. It increasingly involves reviewing how subcontractors are engaged, how responsibilities are documented, and whether insurance arrangements actually reflect how projects operate day to day. 
- [Why Underinsurance Is Becoming a Bigger Issue for Commercial Property Owners](https://www.barrack.com.au/underinsurance-for-commercial-property-owners/): Commercial property owners across Australia are facing a quieter but increasingly significant risk: underinsurance. 
- [Product Recall Risk in Australia: What Manufacturers Should Review in 2026](https://www.barrack.com.au/product-recall-risk-in-australia/): A few years ago, most businesses would have associated product recalls with large multinational brands. 
- [Queensland’s Reportable Conduct Scheme: An important update for Childcare and Disability Support Organisations](https://www.barrack.com.au/queenslands-reportable-conduct-scheme-an-important-update-for-childcare-and-disability-support-organisations/): A significant change to child safety law is approaching for Queensland organisations that work with children. The Reportable Conduct Scheme, introduced under the Child Safe Organisations Act 2024, will commence on 1 July 2026, with early childhood education and care services and disability services that work with children among the first cohort required to comply from that date.
- [Infrastructure Investment and Construction Risk in 2026](https://www.barrack.com.au/infrastructure-investment-and-construction-risk/): Australia’s infrastructure pipeline remains substantial heading into 2026. Transport projects, energy transition works, housing-related infrastructure, data centres and public investment continue to drive activity across multiple sectors. 
- [Employment Practices Liability Is Becoming a Bigger Risk for Australian Businesses](https://www.barrack.com.au/employment-practices-liability-australia/): Employment Practices Liability is becoming a bigger area of focus for Australian businesses as workplace expectations, compliance obligations, and employment-related disputes continue evolving.
- [Commercial Lease Insurance Risks: What Australian Businesses Should Review](https://www.barrack.com.au/commercial-lease-insurance-risks-australia/): But commercial lease insurance risks can extend well beyond the tenancy itself. Lease agreements often create insurance obligations that materially affect how a business manages liability, property damage, fit-outs, and operational disruption.
- [ASIC Cyber Resilience Warning: Why Cyber Risk Is Now a Governance Issue](https://www.barrack.com.au/asic-cyber-resilience-warning/): Importantly, the ASIC cyber resilience warning was not framed as a purely technical issue. The regulator made it clear that cyber resilience should now be treated as part of broader governance, operational risk and licensing obligations.
- [Aged Care Insurance Australia: 5 Critical Risk and Compliance Changes](https://www.barrack.com.au/aged-care-insurance-australia/): Aged care insurance in Australia needs to be looked at differently now. 
- [Insurance Claim Process Australia: 7 Key Steps Every Business Should Know](https://www.barrack.com.au/insurance-claim-process-australia/): Most business owners take out insurance and genuinely hope the policy just sits in a drawer collecting dust. Nobody wants to use it. But when something does go wrong — a fire, a break-in, a client dispute, a cyber incident — the process of making an insurance claim is often unfamiliar territory. 
- [Cyber Incident Response: 5 Critical Steps for Australian SMEs After an Attack](https://www.barrack.com.au/cyber-incident-response-guide/): Very little tells you what to do when one actually happens. Having a clear cyber incident response plan changes that.
- [What Does an Insurance Broker Actually Do? 5 Ways Brokers Protect Australian Businesses](https://www.barrack.com.au/what-does-an-insurance-broker-actually-do/): Most business owners assume an insurance broker is essentially a middleman — someone who finds a policy, takes a commission, and sends through a certificate of currency once a year. 
- [Childcare Insurance in Australia: What Centre Owners Absolutely Need to Know in 2026](https://www.barrack.com.au/childcare-insurance-in-australia/): This guide outlines what’s changing in the childcare insurance landscape and what centre owners should be paying attention to as a result. 
- [What the 2026–27 Federal Budget Could Mean for Risk and Insurance in Australian Business](https://www.barrack.com.au/federal-budget-risk-and-insurance-australia/): As Australia moves closer to the 2026–27 Federal Budget, most commentary will focus on tax settings, cost-of-living relief and major spending announcements. For business leaders, however, the Budget often signals something broader: where pressure is building, where reform may be coming, and what operating risks may emerge next. 
- [The Future of Commercial Strata Insurance in Australia: Market Trends and Key Considerations ](https://www.barrack.com.au/commercial-strata-insurance-australia/): Commercial strata insurance is changing, but not in a dramatic or unexpected way. Like many insurance classes, it is responding to broader market forces such as construction costs, property values, claims experience, and insurer competition. 
- [Farm Insurance in Australia: What Farmers Should Review in 2026](https://www.barrack.com.au/farm-insurance-risks-australia/): What’s changing is the frequency, severity, and predictability of those risks. For many operations, farm insurance plays a central role in managing these risks and supporting recovery when disruption occurs.
- [Insurance for Accountants: Top 5 Practical Risks Facing Australian Firms in 2026 ](https://www.barrack.com.au/insurance-for-accountants-top-5-risks-2026/): For many firms, insurance for accountants plays an important role in managing these exposures and supporting day-to-day operations.
- [Professional Indemnity Insurance for Real Estate Agents: 5 Practical Risks to Know](https://www.barrack.com.au/professional-indemnity-insurance-for-real-estate-agents/): Running a real estate business involves far more than listing properties and negotiating deals. For many agencies, professional indemnity insurance for real estate agents forms part of the broader framework used to manage day-to-day risk.
- [Childcare Insurance: Compliance Reforms and Risk in 2026](https://www.barrack.com.au/childcare-insurance-nsw-compliance-reforms/): The childcare sector is entering a more demanding regulatory environment, and childcare insurance must adapt too.
- [Cyber Insurance in Australia: What It Covers, What It Doesn’t, and Why It Matters ](https://www.barrack.com.au/cyber-insurance-in-australia/): Cyber insurance in Australia is becoming more relevant as incidents affect businesses of all sizes. Cyber incidents don’t just affect large corporations anymore. Increasingly, they’re showing up in everyday business operations — from payment disruptions to locked systems and compromised data. 
- [Underinsurance in Australia: Why Rising Rebuild Costs Are Creating Risk for Businesses](https://www.barrack.com.au/underinsurance-in-australia-rebuild-cost/): As construction costs continue to rise, many Australian businesses are facing an increasingly overlooked risk: underinsurance in Australia.
- [Smart Buildings and Smart Risks: Insurance Challenges for Strata and Commercial Properties](https://www.barrack.com.au/smart-buildings-insurance-risks/): The rise of smart home technology isn’t limited to single-family houses anymore. Strata buildings, apartments, and commercial properties are increasingly incorporating smart devices—from automated lighting and climate control to networked security and access systems. These innovations offer convenience, energy efficiency, and enhanced security and are rapidly shaping the future of smart buildings across Australia. However, with greater connectivity comes a new set of risks—especially when it comes to insurance coverage. 
- [5 Critical Construction Workforce Risks Reshaping Insurance in Australia](https://www.barrack.com.au/construction-workforce-shortage/): Australia’s construction workforce shortage is no longer just a pipeline problem—it’s a risk issue. 
- [Global Disruption and Corporate Travel Risk](https://www.barrack.com.au/corporate-travel-global-disruption/): Ongoing disruption across regions such as the Middle East has brought corporate travel risk into sharp focus. Flight cancellations, sudden airspace closures, and emergency evacuations are no longer rare or hypothetical scenarios. They are occurring in real time, often with little warning, and they are exposing a growing gap between what businesses assume is covered and what insurance policies actually respond to.
- [Animal Collisions and Motor Insurance: A Growing Risk for Australian Businesses](https://www.barrack.com.au/animal-collisions-motor-insurance/): Animal collisions aren’t new on Australian roads — but the frequency and cost of claims are rising fast, and it’s starting to expose gaps in how motor insurance for animal collisions is structured and understood.
- [How Global Conflict Is Reshaping Risk for Australian Businesses and Insurance](https://www.barrack.com.au/global-conflict-reshaping-risk/): Global conflicts can feel far removed from day-to-day business operations in Australia. It’s easy to view them as geopolitical headlines rather than something that directly impacts local organisations.
- [Artificial Intelligence and Industrial Property Risk in Australia: What Businesses Need to Know](https://www.barrack.com.au/ai-industrial-property-risk-australia/): Artificial intelligence is starting to influence how industrial property risk is evolving in Australia—but not always in obvious ways.
- [Do Interest Rates Affect Business Insurance Premiums in Australia?](https://www.barrack.com.au/interest-rates-insurance-premiums/): Interest rates are back in the headlines again, and for a lot of business owners in Australia, business insurance premiums are starting to feel like they’re rising alongside them.
- [5 Critical Cyber Risk Gaps Australian Businesses Are Overlooking](https://www.barrack.com.au/cyber-risk-australian-businesses-smes-insurance/): Cyber risk in Australian businesses used to sit in the background. It was something IT handled, and unless you were a large organisation, it didn’t feel like an immediate concern. 
- [Hospitality Insurance Premiums in Australia: Why Costs Change and What Businesses Should Review](https://www.barrack.com.au/is-your-hospitality-insurance-premiums-rising/): Insurance premiums for hospitality insurance in Australia don’t remain static forever. Like most industries, the insurance market moves over time as risks change, claims occur, and insurers adjust how they assess and price coverage. 
- [Renewable Energy Insurance in Australia: Risks and Solutions ](https://www.barrack.com.au/renewable-energy-insurance/): Australia is in the midst of an energy transformation. As investment in solar, wind, and battery storage projects accelerates, businesses and developers are seizing opportunities to drive the country’s transition to renewable energy. Yet alongside this growth comes risk — and insurance is central to managing it. 
- [What the 2026 Manufacturing Insurance Cycle Means for Businesses ](https://www.barrack.com.au/manufacturing-insurance-cycle/): For the past several years, manufacturers have been navigating a challenging manufacturing insurance market. Premiums increased, underwriting tightened, and insurers became far more selective about the risks they were willing to cover. 
- [Rising Childcare Breaches in NSW — How Your Insurance Should Reflect the Risk](https://www.barrack.com.au/rising-childcare-breaches/): Childcare providers in New South Wales are facing a reality that can’t be ignored: regulatory childcare breaches are on the rise. From staffing ratios to documentation errors, centres across the state are being flagged more often than ever.
- [The Value of Insurance Brokers: Turning Complexity into Clarity for Businesses](https://www.barrack.com.au/the-value-of-insurance-brokers/): Insurance, and the role of an insurance broker in guiding business, is no exception. 
- [Recent WHS Law Changes: What Do They Mean for Your Insurance Program? ](https://www.barrack.com.au/recent-whs-law-changes/): Workplace Health and Safety (WHS) laws across Australia have undergone significant reform over the past 18–24 months. 
- [Critical AI Workplace Risk Australia](https://www.barrack.com.au/ai-workplace-risk-australia/): That’s where AI workplace risk Australia is emerging. Not because AI is inherently dangerous, but because governance hasn’t caught up with usage. 
- [Strata Insurance in an Electrified World: Lithium-Ion Battery Risk for Residential and Commercial Buildings](https://www.barrack.com.au/strata-insurance-lithium-ion-battery-risk/): Strata insurance has always been about shared risk. 
- [Public Liability Insurance for SMEs](https://www.barrack.com.au/public-liability-insurance-for-smes/): If you run a small or medium-sized business in Australia, you’ve probably been asked for a certificate of public liability insurance at some point. 
- [Cyber Risk in Australia](https://www.barrack.com.au/cyber-risk-in-australia/): Cyber risk in Australia is no longer a distant IT issue. It is a governance issue, a regulatory issue, and increasingly, a board-level accountability issue. 
- [Construction Insurance in Australia](https://www.barrack.com.au/construction-insurance-in-australia/): Developments in New South Wales around the statutory duty of care and proportionate liability are reshaping the exposure landscape. And when liability shifts, construction insurance needs to shift with it. 
- [What is Professional Indemnity Insurance?](https://www.barrack.com.au/what-is-professional-indemnity-insurance/): If you provide advice, design services, or professional expertise, professional indemnity insurance is one of the most important covers your business can hold.
- [Management Liability Insurance in Australia](https://www.barrack.com.au/management-liability-insurance-in-australia/): That’s where Management Liability Insurance in Australia becomes relevant. Not as a shield from responsibility, but as financial support when leadership decisions are examined. 
- [Corporate Travel Insurance Australia ](https://www.barrack.com.au/corporate-travel-insurance-australia/): Corporate travel insurance in Australia is often treated as a standard inclusion in a broader insurance program. It’s arranged, renewed, and rarely revisited unless something goes wrong.
- [Strata Insurance in 2026](https://www.barrack.com.au/strata-insurance-in-2026/): Strata insurance is entering 2026 in a very different position than where it sat just a few years ago. While premium volatility has eased compared to the post-pandemic hard market, the underlying risks facing strata properties have not disappeared; they have evolved.
- [Commercial Property Insurance and Extreme Weather Risk](https://www.barrack.com.au/commercial-propertyand-extreme-weather-risk/): There’s been no shortage of commentary around commercial property in 2025. Transaction volumes picked up, confidence returned in parts of the market, and investors were once again willing to make long-term plays, particularly across industrial assets and growth regions like Queensland. 
- [What Global Risk Trends Mean for Australian Businesses in 2026 ](https://www.barrack.com.au/global-risk-trends-2026/): Global risk doesn’t live in a report. It shows up in delayed projects, cyber incidents, regulatory scrutiny and, too often, insurance claims that don’t respond the way a business expects. 
- [The Biggest Risks with Imported Structural Steel](https://www.barrack.com.au/imported-structural-steel-risks/): In recent years, scrutiny around imported structural steel in Australia has increased — particularly where steelwork is supplied without clear evidence that it meets Australian Standards. The issue is not new, but it is becoming more visible across construction and infrastructure projects nationwide.
- [Critical Gaps in Childcare Insurance](https://www.barrack.com.au/childcare-insurance-risks-guide/): Having the right childcare insurance in place is essential to protect your centre from legal claims, financial loss and unexpected disruptions.
- [Under-Insurance: A Hidden Risk for Accommodation Businesses  ](https://www.barrack.com.au/under-insurance-for-accommation-businesses/): Accurate property insurance is critical for accommodation businesses, yet under-insurance remains a frequent and costly oversight. Regardless of what business you own in the accommodation sector, being underinsured can leave your business exposed to significant financial risk when a claim arises.  
- [Winery Safety Made Simple](https://www.barrack.com.au/winery-safety-made-simple/): It is a requirement in NSW for winery businesses to identify, assess, and manage risks so far as is reasonably practicable, in line with work health and safety (WHS) laws. One of the most effective ways to do this is by applying the Hierarchy of Risk Control — a structured framework that ranks risk control measures from most effective to least effective.

## Pages
- [Insurance Broker Newcastle](https://www.barrack.com.au/insurance-broker-newcastle/): Newcastle is on the coast of New South Wales and has quickly become a popular agricultural and industrial hub. The truth is, running a business comes with its fair share of risk, burdens and administration, so it’s normal for insurance to fall to the bottom of the priority list. That’s where Barrack Broking comes into play.
- [Insurance Brokers Sunshine Coast](https://www.barrack.com.au/insurance-brokers-sunshine-coast/): North of the Gold Coast, the Sunshine Coast is known for its relaxed lifestyle and natural appeal. When you’re running a business, there’s enough on your plate. You need to consider regulations, staff management and administrative pressures. So, it’s natural that insurance usually falls to the bottom of the priority list. It doesn’t have to, with Barrack Broking by your side.
- [Insurance Broker Gold Coast](https://www.barrack.com.au/insurance-broker-gold-coast/): Don’t underestimate the power of an insurance policy that works for your business on the Gold Coast. Running a business comes with administrative duties, contracts, regulations, and unexpected weather events. It’s easy to procrastinate on insurance, but it’s also dangerous. That’s why having a specialist insurance broker in your corner is important.
- [Insurance Brokers Sydney](https://www.barrack.com.au/insurance-brokers-sydney/): Running a business in Sydney comes with its own set of challenges. Between government regulations, staff management, and the day-to-day pressures of staying competitive, it’s easy to overlook how exposed you might be when something goes wrong.
- [Insurance Broker In Cairns](https://www.barrack.com.au/insurance-broker-in-cairns/): Running a business isn’t easy, and Cairns is no exception. In the midst of all your responsibilities as a business owner, it’s easy for insurance to lose priority. However, with staff, contracts, regulations, and unexpected weather events to consider, you can’t afford to leave your business vulnerable.
- [Insurance Brokers Brisbane](https://www.barrack.com.au/insurance-brokers-brisbane/): Running a business in Brisbane comes with its fair share of moving parts: staff, contracts, regulations, and unexpected weather events. In the midst of all that, insurance gets de-prioritised. Until, of course, something goes wrong.
- [Insurance Brokers Adelaide](https://www.barrack.com.au/insurance-brokers-adelaide/): Along the coast of South Australia, Adelaide’s central business district is a hub for government, finance, education and events. Running a business in Adelaide requires attention to the local market trends, regulations and limitations to ensure that compliance is adhered to.
- [Insurance Brokers in Bundaberg](https://www.barrack.com.au/insurance-brokers-in-bundaberg/): Located in Queensland, Bundaberg has some major businesses and industries in its grasp. With its unique set of risks, like flooding and its remote location, standard insurance policies can sometimes fall short. That’s where Barrack Broking comes in and does the heavy lifting with a tailored insurance policy that works for your business.
- [Insurance Brokers Toowoomba](https://www.barrack.com.au/insurance-brokers-toowoomba/): The powerhouse of Queensland, Toowoomba, deserves insurance that is just as strong. Darling Downs has its unique set of risks, like severe weather, supply chain challenges and transport liability. That’s where a tailored insurance policy comes in and does the heavy lifting.
- [Business Insurance Broker Melbourne](https://www.barrack.com.au/business-insurance-broker-melbourne/): Melbourne has one of Australia’s largest business districts, with the CBD at its heart.
- [Start a Quote](https://www.barrack.com.au/start-a-quote/): Start a Quote
- [Home](https://www.barrack.com.au/): We seek to understand
- [Legal Notices](https://www.barrack.com.au/legal-notices/): At Barrack Broking, we are committed to provide our clients with quality risk consulting and insurance solutions. As the trusted risk consultant and insurance broker to our clients, we have a sincere desire to:
- [Compliance Information](https://www.barrack.com.au/compliance-information/): The information on this website represents Barrack Broking Pty Ltd (ABN 67 634 096 870) and subsidiary entities (together, “Barrack Broking”).
- [Terms & Conditions](https://www.barrack.com.au/terms-conditions/): Welcome to the website for Barrack Broking Pty Ltd (Barrack Broking). If you continue to browse and use this website you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our Privacy Policy govern the Barrack Broking relationship with you in relation to this website.
- [Social Responsibility](https://www.barrack.com.au/social-responsibility/): Who We Are
- [Our Approach](https://www.barrack.com.au/our-approach/): Who We Are
- [Our Story](https://www.barrack.com.au/our-story/): In 1849 a group of like-minded individuals, with a desire to help others, established the Australian Mutual Provident Society to offer insurance to the marketplace. As a mutual, its insurance products gave certainty to the individuals building Australia when no other safety net existed.
- [Who We Help](https://www.barrack.com.au/who-we-help/): Barrack Broking works with Australian businesses across a range of industries, where insurance needs are often shaped by how those businesses operate.Regardless of which sector you operate in, we know your insurance needs can be complex. We partner with construction, hospitality, professional services and many more, offering you the principal-led advice you need to safeguard your unique offerings as a company.
- [Our Expertise](https://www.barrack.com.au/our-expertise/): Accommodation insurance
- [What We Do](https://www.barrack.com.au/what-we-do/)
- [Who We Are](https://www.barrack.com.au/who-we-are/): The founding of Barrack Broking is inspired by the greatest event in Australian insurance history. In 1849 a group of like-minded individuals, with a desire to help others, established the Australian Mutual Provident Society to offer insurance to the marketplace.
- [Contact](https://www.barrack.com.au/contact/): As all businesses operate in an uncertain world, Barrack Broking is dedicated to delivering strategy, ideas and certainty to protect your business.
- [Our People](https://www.barrack.com.au/our-people/): Who We Are Our Management Team leads our people and our business in delivering the best possible outcome for our clients. As a principal-owned business, we are committed to building long-term partnerships and delivering enduring value.
- [News](https://www.barrack.com.au/news/): Insights
- [Terms & Privacy](https://www.barrack.com.au/terms-privacy/): Barrack Broking Pty Ltd (Barrack Broking) is committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles. This Privacy Policy describes our current policies and practices in relation to the collection, handling, use and disclosure of personal information. It also deals with how you can complain about a breach of the privacy laws and how you can access the personal information we hold and how to have that information corrected.

## Team
- [Gianluigi Trujillo (Gigi)](https://www.barrack.com.au/our-people/gianluigi-trujillo-gigi/): Gigi has close to a decade worth of experience in insurance, navigating a complex hardened market cycle and a post-pandemic industry, motivated by a genuine passion for delivering results for his clients.
- [Ben Taylor](https://www.barrack.com.au/our-people/ben-taylor/): With over 30 years of experience in the insurance industry, Ben is a seasoned insurance broker renowned for his expertise in business development and client relationship management. Having previously held senior roles at leading national insurers, Ben brings a deep understanding of both the insurer and broker sides of the business—an advantage that allows him to deliver comprehensive and client-focused risk solutions.
- [Ollie Iuvale](https://www.barrack.com.au/our-people/ollie-iuvale/): Ollie has accumulated valuable experience across administrative functions as well as SME and Strata underwriting, developing a strong understanding of day-to-day insurance operations and risk assessment.
- [Kyle Newman](https://www.barrack.com.au/our-people/kyle-newman/): Kyle is an experienced Business Development Executive with over 30 years of B2B & client facing experience in Banking, Finance and Risk Management, and happiest when working with a diverse range of projects on the go. Kyle is an effective & deliberate communicator with experience & confidence in liaising with business owners, C-Suite level executives and stakeholders.
- [Dale Pollard](https://www.barrack.com.au/our-people/dale-pollard/): Dale began his insurance career in 2000, starting in claims and underwriting roles for a large global insurer. He progressed to a specialised role as Claims Manager for one of Australia’s largest Body Corporate Underwriters and expanded his expertise by overseeing national claims for Total Losses resulting from catastrophic events. His experience working with a variety of insurers gave him a deep understanding of the industry from multiple perspectives.
- [Stuart Davison](https://www.barrack.com.au/our-people/stuart-davison/): Stuart has worked in the insurance industry since 2007, developing deep expertise in claims management, client advocacy, and general insurance broking.
- [Charles Gow-Gates](https://www.barrack.com.au/our-people/charles-gow-gates/): Charlie practiced as an insurance litigation solicitor in Australia and England. As a claims expert, he has managed complex claims for both a global insurer and their Lloyd’s of London Syndicate insurers. Before founding Barrack Broking, he held management and directorship roles for a highly respected Australian-based underwriting agency, insurance broker and insurance advisory company.
- [Graeme Hay](https://www.barrack.com.au/our-people/graeme-hay-risk-management-consultants/): Graeme is an experienced and professional risk management consultant and insurance broker having spent nearly 20 years providing risk and insurance advice to a range of industries.
- [Travis Head](https://www.barrack.com.au/our-people/travis-head/): Travis is an experienced insurance broker who thrives on helping his clients protect their businesses against insurable risk. He understands that insurance can often seem complex and confusing, but with almost two decades of experience in the industry, he brings the knowledge and skill to assess and identify his clients’ exposures—taking the hard work out of finding a tailored insurance solution.
- [Stephen Randell](https://www.barrack.com.au/our-people/stephen-randell/): Stephen is an experienced insurance professional, with 35+ years of experience providing risk and insurance advice to mid-sized and large companies.
- [Nici Haynes](https://www.barrack.com.au/our-people/nici-haynes/): Nici is an experienced risk consultant and insurance professional, having spent over 15 years providing claims, risk and insurance advice to a range of industries.
- [James Fontaine](https://www.barrack.com.au/our-people/james-fontaine/): James began his journey in the insurance industry in 2011, starting his career at a leading bank in the UK. After moving to Australia in late 2015, James briefly explored the finance sector, broadening his expertise and diversifying his experience.
- [Chloe Williams](https://www.barrack.com.au/our-people/chloe-williams/): Chloe is an accomplished insurance broker with a strong foundation in customer service and a proven track record in the broking industry. With multiple years of experience as a broker, Chloe specialises in the accommodation and real estate industry but holds knowledge across all other occupations and industries. She works to combine a client-focused approach with a deep understanding of risk and insurance solutions.
- [Nick Fanto](https://www.barrack.com.au/our-people/nick-fanto/): Nick has over a decade of experience in life insurance. Known for his client-first approach, Nick excels in creating personalised insurance strategies that cater to individual needs and life stages. His expertise spans Life Insurance, Trauma Insurance, TPD Insurance, Income Protection, Key Person Insurance, and Buy-Sell Insurance.
- [Mary Robles](https://www.barrack.com.au/our-people/mary-robles/): Mary is an experienced insurance professional with a strong focus on managing client relationships and delivering tailored risk solutions. She began her career in project management, corporate planning, and manufacturing operations under one of Southeast Asia’s largest conglomerates. Since relocating to Australia in 2010, she has developed extensive expertise in insurance broking, supporting Australian businesses across a wide range of industries.
- [Susipisi Tautaiolevao (Susie Tvao)](https://www.barrack.com.au/our-people/susie-tvao/): Susie is dedicated to building strong relationships with clients, understanding their needs, and providing tailored solutions that ensure peace of mind and financial security.

## What We Do
- [Professional Indemnity Insurance](https://www.barrack.com.au/what-we-do/professional-indemnity-insurance/): When claims of negligence, duty breaches, errors or wrongful advice arise, your business needs to be protected. Otherwise, you could face legal action and penalties that leave your business vulnerable. If your business relies on professional advice and services, the last thing you need is to face repercussions that impact your reputation and stability. That’s what professional indemnity insurance can help you with. Keep your business protected in the face of claims so that operations can proceed as normal.
- [Public and Product Liability Insurance](https://www.barrack.com.au/what-we-do/public-product-liability-insurance/): Public liability insurance is often referred to as general liability insurance and generally protects businesses when legal claims are made by a third party for injuries or property/product damage. If your business is unprotected in the face of these claims, you could face legal action and penalties that cause your business disruption and leave it vulnerable. That’s where public and product liability insurance comes in. Protect your business’s reputation and stability whilst ensuring that your business operations can proceed as normal when it's facing legal action and claims.
- [Business Insurance Broker](https://www.barrack.com.au/what-we-do/business-insurance-broker/): Business insurance can be difficult to navigate, especially without the expertise and guidance you get with Barrack Broking. Insurance is your business’s protection, security and confidence that your company and assets are secured, even when things go wrong.
- [Alternative Risk Transfer & Captives](https://www.barrack.com.au/what-we-do/alternative-risk-transfer-captives/): Alternative Risk Transfer (ART) is the use of strategies other than traditional insurance and reinsurance to transfer your risk.
- [Claims Management & Consulting](https://www.barrack.com.au/what-we-do/claims-management-consulting/): The true value of a strategic insurance program is most apparent in the unfortunate event of a claim.
- [General Insurance Broking](https://www.barrack.com.au/what-we-do/general-insurance-broking/): We apply our research, technical expertise and energy to go the extra mile to make this happen.
- [Merger & Acquisition Services](https://www.barrack.com.au/what-we-do/merger-acquisition-services/): We partner with clients to help them understand the liabilities, synergies and risk associated with mergers and acquisitions. Our risk consulting and insurance advisory services are designed to minimise and transfer transactional risks, support integration and maximise the success of the M&A.
- [Risk Consulting](https://www.barrack.com.au/what-we-do/risk-consulting/): We have provided risk management consulting services to new businesses that have made a start on designing and implementing a risk management strategy, through to larger organisations that are looking for some practical guidance to take their risk management efforts to the next level.

## Our Expertise
- [Business Interruption Insurance](https://www.barrack.com.au/our-expertise/business-interruption-insurance/): Most businesses insure their assets — buildings, equipment, stock.
- [Workers Compensation](https://www.barrack.com.au/our-expertise/workers-compensation/): Workers compensation is a statutory requirement for most Australian employers, but managing it effectively involves more than maintaining a policy. 
- [Aged Care Insurance](https://www.barrack.com.au/our-expertise/aged-care-insurance/): Barrack Broking provides aged care insurance solutions for organisations that need more than a standard business policy. We work with providers across residential care, home care, retirement living and community support to structure insurance programs that reflect real operational risk. 
- [Fleet Insurance for Australian Business Vehicles](https://www.barrack.com.au/our-expertise/fleet-insurance/): For businesses operating multiple vehicles, managing separate insurance policies can become inefficient over time. Different renewal dates, varying levels of cover and multiple insurers can make it difficult to maintain consistency across a fleet.
- [Industrial Special Risk Insurance](https://www.barrack.com.au/our-expertise/industrial-special-risk-insurance/): For some businesses, insurance becomes harder to manage long before it becomes inadequate.
- [Farm Insurance Broker](https://www.barrack.com.au/our-expertise/farm-insurance-broker/): As a farmer in agriculture, you’re likely to face a unique profile of risks and challenges. The truth is, the nature of your business means that standard insurance won’t appropriately cover you.
- [Cyber Insurance Broker](https://www.barrack.com.au/our-expertise/cyber-insurance-broker/): Cyberattacks are always a great risk for business owners. Data is heavily protected and encrypted to protect individuals from breaches and privacy corruption. However, data breaches and cyberattacks can still occur and leave your business vulnerable. The truth is, standard insurance won’t protect you from these risks and the business interruption they can cause.
- [Strata Insurance Broker](https://www.barrack.com.au/our-expertise/strata-insurance-broker/): Strata insurance is a mandatory form of property insurance that protects shared assets, liabilities, and the property's future structure. The property market and industry are constantly evolving, including legislation changes, increased costs and insurance requirements. Strata insurance is your guarantee that you’re protected in the face of unexpected events and damage.
- [Childcare Insurance Brokers for Australian Early Learning Providers](https://www.barrack.com.au/our-expertise/childcare-insurance/): Running a childcare service involves managing safety, supervision and compliance daily. When issues arise, the impact can extend beyond operations into legal or regulatory matters.
- [Insurance for Accountants](https://www.barrack.com.au/our-expertise/insurance-for-accountants/): As an accountant, one of your biggest assets is your advice. You face unique risks, challenges and exposure when it comes to your professional advice. Whether it’s a professional error or a regulatory change, standard business insurance just won’t cut it.
- [Insurance For Engineers](https://www.barrack.com.au/our-expertise/insurance-for-engineers/): If you’re in the engineering industry, there is a unique set of risks and challenges that you face, which aren’t covered by generalist insurance policies. As a civil, structural, mechanical or electrical engineer, you need guidance from a broker who understands the unique liabilities and challenges of your industry.
- [Life Sciences Insurance](https://www.barrack.com.au/our-expertise/life-sciences-insurance/): Life sciences isn’t your average industry, and this is reflected in the complexity of insurance policies. With everything from Biotech and Health Technology to Microbiology and Chemistry, you need to protect your innovations and trials with an insurance policy that understands the unique risks and challenges of your industry. The truth is, your industry presents unique risks from start to finish, from research through to market distribution.
- [Management Liability Insurance for Australian Business Leaders](https://www.barrack.com.au/our-expertise/management-liability/): Most business owners don’t set out thinking about personal exposure when making day-to-day decisions. But in practice, decisions around hiring, governance, compliance or financial management can carry risk for both the business and the individuals involved.
- [Investment Managers Insurance (IMI)](https://www.barrack.com.au/our-expertise/investment-managers-insurance/): In an environment where regulation is tightening and investor expectations are rising, investment managers face complex and evolving risks. From alleged mismanagement to administrative errors and compliance breaches, even a single incident can threaten your reputation and financial stability.
- [IT Liability Insurance](https://www.barrack.com.au/our-expertise/it-liability-insurance/): Information Technology Liability Insurance, or IT Liability Insurance, is a combined policy specifically created for Information Technology professionals and contractors. The policy combines Professional Indemnity and Public & Products Liability, which is primarily to help avoid gaps in coverage that can arise if policies are placed separately.
- [Commercial Property Insurance Broker](https://www.barrack.com.au/our-expertise/commercial-property-insurance-broker/): Commercial property insurance can be complex, but it doesn’t have to be with Barrack Broking by your side. We understand that no two properties or businesses are the same, which is why when it comes to commercial property insurance, a one-size-fits-all approach just doesn’t work. As a business owner or investor, protecting your assets and future is paramount. Our team provides tailored advice and solutions designed for your unique circumstances to ensure you have the right protection in place.
- [Construction Insurance Broker](https://www.barrack.com.au/our-expertise/construction-insurance-broker/): When planning out your construction project, one thing we rarely factor in is the unexpected circumstances that can arise and impact your project. The truth is, it’s hard to be prepared for the unforeseen. However, with construction insurance, you can rest assured that your project is in good hands should the worst happen.
- [Corporate Insurance Broker](https://www.barrack.com.au/our-expertise/corporate-insurance-broker/): Corporate insurance can be complex. It involves risk management, strategy and analysis to identify an insurance policy that protects your organisation efficiently. At Barrack Broking, we provide you with specialist advice and management to help you navigate the commercial and corporate landscape.
- [Investment Managers](https://www.barrack.com.au/our-expertise/investment-managers/): In an environment where regulation is tightening and investor expectations are rising, investment managers face complex and evolving risks. From alleged mismanagement to administrative errors and compliance breaches, even a single incident can threaten your reputation and financial stability.
- [IT Liability](https://www.barrack.com.au/our-expertise/it-liability/): Information Technology Liability Insurance, or IT Liability Insurance, is a combined policy specifically created for Information Technology professionals and contractors. The policy combines Professional Indemnity and Public & Products Liability, which is primarily to help avoid gaps in coverage that can arise if policies are placed separately.
- [Medical Malpractice](https://www.barrack.com.au/our-expertise/medical-malpractice/): In the medical and healthcare industry, even the most experienced professionals can encounter unexpected challenges. While medical errors are uncommon, their consequences can be severe. Even when allegations are ultimately proven unfounded, the cost of defending a claim can be substantial. Such incidents not only risk patient harm but can also result in legal action and financial strain, potentially affecting both the professional’s livelihood and the reputation of their practice.
- [Labour Hire](https://www.barrack.com.au/our-expertise/labour-hire/): Labour Hire and Recruitment businesses have unique industry risks with their own commercial challenges. As an employer of a workforce, you’re responsible not only for your employees and contractors but also for the environments in which they work. Injuries, property damage, or errors in placement can lead to significant financial loss and reputational damage.
- [Manufacturing](https://www.barrack.com.au/our-expertise/manufacturing/): Manufacturing processes and factory floors are being transformed by advances in technologies, globalisation and a changing business landscape. Manufacturers have unique and complex risks, which can shut down operations and severely disrupt their business. Manufacturing businesses require specific risk planning to structure an insurance program to suit their operating environment.
- [Hospitality](https://www.barrack.com.au/our-expertise/hospitality/): Businesses in the accommodation and hospitality sector are exposed to a diverse range of strategic and operational risks. Whilst there are some risks that are common across all businesses, many of the business risks vary depending on the type of business, location, target customer demographic and, ownership structure.
- [Design Professionals](https://www.barrack.com.au/our-expertise/design-professionals/): Barrack Broking works with various industry groups to provide insurance solutions for a range of design professionals from large to small organisations across many design specialties.
- [Accommodation Insurance](https://www.barrack.com.au/our-expertise/accommodation/): The accommodation sector is an industry exposed to a diverse range of strategic and operational risks. The risks vary considerably depending on the style of accommodation, location, target customer demographic and, ownership structure. And with the growing prevalence of online accommodation market places, we’re seeing increasing competitive pressure on accommodation owners and operators.
- [Agribusiness, Food & Beverage](https://www.barrack.com.au/our-expertise/agribusiness/): There is a range of well-publicised challenges facing the agriculture and food and beverage sector in Australia. The ongoing challenges of climate change and drought conditions alone bring about property damage, the loss of crops and livestock, and increased costs for water, feed, and other Transport production expenses.
- [Ski Lodges](https://www.barrack.com.au/our-expertise/accommodation/ski-lodges/): The insurance market for Australian Ski Lodges is in a hard market cycle. Two prominent insurers have recently exited the sector, leaving many Ski Lodges uninsured. Additional supply of insurer capacity from new underwriters has been slow due to a hardening insurance market globally, the increasing threat of catastrophic losses, such as bushfire and other weather events, and a large loss at Selwyn Ski Resort.
- [Co-operative & Mutual Enterprises](https://www.barrack.com.au/our-expertise/co-operative-mutual-enterprises/): Co-operatives and Mutuals make an important contribution to the national economy and community development of Australia. They are organisations that are owned, controlled and used by their members primarily for the mutual economic, social or cultural benefit of those members.
- [Media, Entertainment and Events](https://www.barrack.com.au/our-expertise/media-entertainment-and-events/): best Accommodation insurance Australia
- [Legal Practitioners](https://www.barrack.com.au/our-expertise/legal-practitioners/): Barrack Broking works with Australian lawyers practising in a range of legal environments, from small practices and large national law firms to incorporated legal practices and community legal services.
- [Professional Indemnity Insurance For Real Estate Agents](https://www.barrack.com.au/our-expertise/real-estate/): The real estate industry is competitive and fast-paced; you don’t want to fall behind on your insurance. With contracts, local regulations and state-based restrictions, it can be a minefield to navigate, especially if you don’t have the proper protection in place.
- [Renewable Energy](https://www.barrack.com.au/our-expertise/renewable-energy/): The energy sector is undergoing a profound and complex transformation as the shift to renewable energy gathers momentum. Barrack Broking works closely with the businesses driving this change to renewable energy, including solar, wind and hydropower.

## Who We Help
- [Mid-sized and Growing Businesses](https://www.barrack.com.au/who-we-help/mid-sized-and-growing-businesses/): Barrack Broking helps mid-sized businesses grow with confidence by designing strategies that cover your risk, address your insurance needs and help you plan for future disruptions to your operations.
- [Large companies](https://www.barrack.com.au/who-we-help/large-companies/): Directors and executive management of large companies continue to be closely examined by regulators and shareholders. And comprehensive governance frameworks, strategy development and risk management policies and processes need to be in place for safe navigation towards the company's business objectives.
- [Associations](https://www.barrack.com.au/who-we-help/associations/): Barrack Broking advises membership groups such as peak organisations, industry associations, and franchise groups on insurance for the group and their members.
- [Risk Managers](https://www.barrack.com.au/who-we-help/risk-managers/): Risk Managers often find themselves juggling the role of managing an Enterprise Risk Framework in addition to managing the day-to-day responsibilities of work health and safety, business continuity and insurance claims.
- [Private Equity and Advisory Firms](https://www.barrack.com.au/who-we-help/private-equity-and-advisory-firms/): Barrack Broking helps Private Equity and Advisory Firms to protect their investments. We partner with clients to help them understand the liabilities, synergies and risk associated with a transaction and the underlying investment.

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