About Mercantile Business Insurance
Mercantile Insurance Brokers provides specialist commercial insurance broking for Australian SMEs, with this site focused specifically on harder-to-place business risks.
Our focus
We work with businesses that may not fit standard insurer appetite because of their activities, products, premises, claims history or contractual exposures. Our role is to understand the business, organise the underwriting information, approach suitable insurance markets and help clients compare available insurance options.
Specialist SME insurance placement
Typical risks include higher-hazard manufacturing, importers and wholesalers, complex products liability, food and beverage production, welding and metal fabrication, hospitality, difficult contractor risks, EPS or combustible-panel property, concentrated stock and businesses affected by claims or non-renewal.
Insurance advice, not legal advice
Our work is focused on insurance placement, policy structure, limits, deductibles, exclusions and insurer terms. We do not provide legal, engineering, tax, regulatory or other specialist professional advice. Where those matters arise, clients should obtain advice from appropriately qualified advisers.
A practical market approach
Hard-to-place risks often require a more detailed submission than a standard packaged business policy. We aim to present the risk clearly, identify relevant insurance markets and explain material differences in the terms offered.