Your business partner and advocate from tailored insurance solutions to in-depth risk management and a trusted professional network.
Our Services
While our primary service offering is Insurance and Risk Management Advice, HARM's aim is to be your business partner and advocate. We strive to offer a platform for your business' success and access to holistic support, giving your business an advantage your competitors don't have.
HARM can assist your organisation with all lines of insurance, including Property, Public Liability, Professional Indemnity, Directors & Officers, Cyber, and more.
Our services extend to offer in-depth risk management advice, and a comprehensive referral network of trusted partners including Life Insurance, Legal, Cyber, OH&S, Financial and Corporate Advisory, and more.
HARM can assist your organisation with all lines of insurance, including Property, Public Liability, Professional Indemnity, Directors & Officers, Cyber, and more.
Learn more →Our services extend to offer in-depth risk management advice to ensure your business is not only aware of, but well equipped to face the unique risk exposures you may face.
Learn more →A comprehensive referral network of trusted partners including life insurance, Legal, Cyber, OH&S, Insurance Rectification and Make-Safe contractors, Financial and Corporate Advisory, and more.
HARM offers insurance advice and broking services for businesses ranging from SMEs to ASX-listed companies. Our capabilities range from efficient and affordable insurance solutions for small business and startups, to structuring and placement of complex risk solutions for leading-edge professional service providers, large-scale property portfolios, and corporate entities.
We can work with your business to manage your risk in areas including, but not limited to:
Comprehensive Business Pack coverage including Building and Contents, Public Liability, Business Interruption, and more.
Cover for damage or injury to third-party property or persons as a result of your business activities.
Insurance to safeguard the decision-makers in your business, as well as your entity, from governance issues and more.
Financial protection for claims arising from errors or negligence in your professional services provided.
Emergency incident response and financial backing to assist your business in weathering cyber events.
Specifically designed cover for the IT and Technology industries, ensuring businesses are protected from errors and negligence in services provided.
As a part of our service offering to healthcare and adjacent sectors, HARM can assist your business with establishing Abuse or Molestation Liability Insurance.
At HARM, we maintain relationships with the insurers still active in this space and understand the specific underwriting requirements and risk management expectations that can help secure coverage at competitive rates.
Coverage for the business for defence costs, damages, and other expenses arising from alleged and actual cases of abuse.
By providing a legally accountable entity, victims are granted an important opportunity for redress.
Policy holders gain access to valuable resources and training to proactively mitigate instances of abuse.
Outside of insurance, we can advise on alternative methods of managing, avoiding or ceding risk. We understand that generic insurance solutions are not a one-size-fits-all method of protecting businesses.
Alternative risk management structures can provide more capital and tax-efficient answers for businesses.
Ensuring the correct governance and frameworks are in place for your business to be compliant and resilient.
Risk management programs to assist in the optimal day-to-day operations of your business from a risk standpoint.
In addition to our specialisations, HARM can assist with all aspects of General Insurance and always values the opportunity to work with the right business.
HARM's aim is to be your business partner and advocate - providing a platform for your business' success beyond just insurance. Our referral network of like-minded professionals covers:
Get in Touch
Believe HARM may be the right fit for your business? Provide your details and we will contact you shortly. Alternatively, reach out to one of our team directly.