Mercantile Business Insurance / Australia
Hard-to-place SME insurance for businesses that do not fit standard insurer appetite.
Specialist insurance broking for Australian SMEs with complex property, manufacturing, product liability, contracting, hospitality, professional and claims-driven placement challenges.
The Mercantile approach
Difficult insurance risks are often better understood when the business, controls, claims history and exposure are presented clearly to the right market.
01 / Hard-to-place SME risks
Insurance for businesses with more complex underwriting characteristics.
We focus on selected SMEs where standard packaged insurance may not suit the risk because of operations, products, premises, claims experience or insurer appetite.
02 / Specialist placement
Better underwriting presentation can change how a difficult risk is understood.
Hard-to-place insurance is not simply about approaching more insurers. It starts with identifying what makes the risk difficult, gathering the right information and presenting the exposure and controls clearly.
Depending on the business, we may review property, business interruption, public and products liability, professional indemnity, contract works, motor, marine transit and other relevant classes.
03 / Why businesses become harder to insure
Insurer appetite can narrow for many different reasons.
Claims, combustible construction, hot work, imported products, hazardous processes, high stock concentrations, subcontractor exposure, unusual contracts and rapid business change can all affect underwriting.
04 / How we work
A structured process for difficult SME placements.
Clear underwriting information helps insurers understand the business and helps clients compare what is actually being offered.
05 / Start a conversation
Having difficulty arranging business insurance?
Tell us about your business, the cover required and what has made the placement difficult. We can then determine what information is needed for a meaningful market approach.