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Mailing Address: PO Box 1183 Palm Beach, Queensland, Australia 4221
Office Location: 43 Larch Street Tallebudgera, Queensland, Australia 4228
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This website is operated by Clark Family Pty Ltd (as Trustee for the Clark Family Trust), located at 43 Larch Street, Tallebudgera QLD 4228, A.C.N. 010 281 008.
Clark Family Pty Ltd is an Authorised Credit Representative of Saccasan Pty Ltd (Australian Credit Licence No. 386297) and an Authorised Representative of Unique Group Broker Services (Australian Financial Services Licence No. 509434).
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Recent rural market reporting has pointed to firmer cattle values across parts of eastern Australia, with improved seasonal confidence, restocker demand and tighter supply helping support prices in a number of saleyards. For producers, stronger prices are welcome after a period of difficult seasonal and cost pressures. But there is also a quieter insurance issue sitting behind the market lift: if livestock values rise, the financial exposure carried by the farm may rise with them. - read more
Recent commercial insurance market commentary points to a more favourable pricing environment for many Australian business buyers, with competition returning in some lines after several years of tougher renewal conditions. For consultants, this is welcome news, but it should not be mistaken for a signal that professional risk has become simple or low-cost to insure. - read more
Cyber insurance has moved from a specialist add-on to a mainstream business risk issue. Recent industry commentary points to a more selective market: insurers are examining security controls, data handling and outsourced technology dependencies before offering terms. For many Australian small businesses, that means a renewal is no longer just a price conversation. It is a test of whether the business can show how it prevents, detects and recovers from an incident. - read more
Recent rental market commentary is again highlighting a practical issue for Australian landlords: tenant affordability is becoming a stronger force in how rental demand behaves. While many areas remain tight by historical standards, rising living costs and stretched household budgets are changing what renters can absorb, where they look, and how long they stay. - read more
Recent transport and fleet industry coverage continues to point to a steady increase in electric and low-emission heavy vehicles across Australian logistics operations. For many operators, the attraction is clear: quieter vehicles, lower tailpipe emissions, potential fuel savings and stronger alignment with customer sustainability targets. But the insurance conversation is now becoming more detailed than simply replacing a diesel truck with an electric one. - read more
Farm insurance policy wording can determine what is covered, what is excluded and what you need to do before, during and after a claim. This guide explains how Australian farm owners can read a PDS, policy schedule, exclusions, excesses, sub-limits and disclosure obligations more confidently. - read more
For generations, farmers have faced the challenge of protecting their crops from an array of threats, such as pests, diseases, and extreme weather. Traditional crop protection strategies have relied heavily on blanket approaches, as in using widespread pesticide application, or generalized irrigation systems, regardless of the varying needs across a field. While these methods have had their successes, they also come with limitations in efficiency, environmental impact, and the precision needed for optimal crop health and yield. - read more
Public liability insurance is a critical component for the agricultural sector, serving as a protective measure for livestock and crop producers against the legal liabilities they face in their daily operations. This type of insurance is designed to cover the costs associated with third-party injuries or property damage that occur on farm premises or as a direct result of farming activities. - read more
Hobby farms, small acreage properties and lifestyle blocks can sit between standard home insurance and commercial farm insurance. This guide explains when a property may need farm-style cover, what risks often fall outside home insurance, and how hobby farm cover can differ from commercial farm policies in Australia. - read more
In the ever-unpredictable world of farming, crop insurance emerges as a pivotal ally for farmers, hedging against the myriad of risks that come with cultivating the land. As the first step to understanding this crucial safeguard, let's unfold the question: What is crop insurance, exactly? In essence, crop insurance is a type of cover designed to cushion farmers from financial losses due to unavoidable circumstances such as adverse weather conditions, pests, disease, or even market fluctuations. - read more
Knowledgebase
Insurance Deductible: the amount that an insured is required to contribute toward an insurance claim as stipulated in an insurance policy. Otherwise known as the "policy excess".
