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Insurance

Life is full of surprises, and it’s crucial to have a safety net in place to protect yourself and your loved ones. That’s where general insurance comes in. Our comprehensive range of insurance policies offers you peace of mind, knowing that you’re covered in case of any unforeseen events. Whether it’s protecting your business, home, your car, our general insurance plans are designed to provide you with the financial security you need. At Ekam Insurance, we understand that everyone’s needs are unique. That’s why we offer customisable insurance plans that can be tailored to suit your specific requirements. Our team of experienced professionals will work closely with you to assess your individual needs and recommend the most suitable insurance coverage. With our flexible options, you can choose the level of coverage that fits your budget and lifestyle. We believe that insurance should be accessible to everyone, and our competitive rates ensure that you get the best value for your money. When it comes to general insurance, trust is paramount. With Ekam Insurance, you can rest assured that you’re in safe hands. Our commitment to excellence and customer satisfaction has earned us the trust of thousands of individuals and businesses. We pride ourselves on providing prompt and efficient claims processing, ensuring that you receive the support you need when you need it the most. Don’t leave your future to chance – choose Ekam Insurance for all your general insurance needs.
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Public & Product Liability

Public & Product Liability

Peace of mind for your business. Protects you from legal claims if your products or operations cause harm to others.

Business Pack Insurance

Business Pack Insurance

One policy, all-round protection. Combines key coverages like property, liability, and business interruption under one policy.

Professional Indemnity
insurance

Professional Indemnity
insurance

Safeguard your expertise. Covers financial losses if your professional advice or services fall short of expectations.

Home and Content insurance

Home and Content insurance

Secure your home and belongings against unexpected events like fire, theft, or natural disasters. Enjoy peace of mind knowing your precious possessions are protected.

Commercial motor insurance

Commercial motor insurance

Keep your fleet running smoothly. Covers your commercial vehicles against accidents, theft, and other mishaps.

Plants and Equipment Insurance

Plants and Equipment Insurance

Breakdown blues be gone. Protects your valuable business equipment from unexpected breakdowns and repairs.

Marine / transit insurance

Marine / transit insurance

Safe passage for your goods. Covers cargo against damage, loss, or theft during transportation over land, sea, or air.

Landlord Insurance

Landlord Insurance

Rent with confidence. Protects you from financial losses due to property damage, tenant issues, or legal claims.

Cyber insurance

Cyber insurance

Secure your digital world. Covers your business against data breaches, hacking, and online security threats.

Travel Insurance

Travel Insurance

Explore worry-free. Provides financial protection against trip cancellations, medical emergencies, lost luggage, and more.

Commercial property insurance

Commercial property insurance

Your business, always covered. Protects your commercial property against fire, theft, weather damage, and other unexpected events.

Director’s liability

Director’s liability

Make decisions with confidence. Protects directors and officers from personal liability related to wrongful acts or omissions in their leadership roles.

Code of Practice

Ekam Insurance Brokers Pty Ltd management and staff have a commitment to efficient and fair resolution of complaints.

Code of Practice

What is the General Insurance Code of Practice? The General Insurance Code outlines standards for insurers, ensuring they treat customers openly, fairly, and honestly. It sets timeframes for claims, complaints, and information requests, aiming to positively impact the entire industry, including product clarity, claims handling, and support for vulnerable individuals.
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Privacy Policy

At Ekam Insurance Brokers Pty Ltd, we are committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles.

Privacy Policy

We maintain a record of your personal profile, including details of insurance policies that we arrange for you. We may also maintain records of any recommendations or advice given to you.
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Duty Of Disclosure

Your broker will be in regular contact to inform you of changes in the insurance market and law, and any potential impacts those changes have on your Insurance and Risk program.

Duty Of Disclosure

Your broker will be in regular contact to inform you of changes in the insurance market and law, and any potential impacts those changes have on your Insurance and Risk program. However it is crucially important that you inform your broker of any material facts which change your company’s risk profile or business activities.
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Financial Services Guide

whenever we provide you with advice which takes into account your objectives, financial situation and needs.

Financial Services Guide

We will provide you with further information whenever we provide you with advice which takes into account your objectives, financial situation and needs. This information may include the advice that we have given you, the basis of the advice and other information on our remuneration and any relevant associations or interests.
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Australian Financial Services Licence No. 234588

Ekam Insurance Pty Ltd ABN 39 670 641 595 is an Authorised Representative of Sphere Insurance Group Pty Ltd | ABN 95 605 842 117 | AFSL 478 959

Sydney CBD

North West

Narellan Office

Sydney CBD

Instagram Linkedin

North West

Instagram Linkedin
Copyright © 2023 Ekam Group. All Rights Reserved.

Australian Financial Services Licence No. 234588

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Privacy Policy

We maintain a record of your personal profile, including details of insurance policies that we arrange for you. We may also maintain records of any recommendations or advice given to you.

We are committed to implementing and promoting a privacy policy, which will ensure the privacy and security of your personal information.

We value the privacy of personal information and are bound by the Privacy Act 1988 when we collect, use, disclose or handle personal information. We collect personal information to offer, provide, manage and administer the many financial services and products we and our group of companies are involved in.

Personal information may be obtained by us directly from you or, sometimes, via a third party such as your employer or an immediate member of your family.

When information is provided to us via a third party we use that information on the basis that you have consented or would reasonably expect us to collect your personal information in this way and we take reasonable steps to ensure that you have been made aware of how we handle your personal information.

The primary purpose for our collection and use of your personal information is to enable us to provide insurance services to you. Sometimes, we may use your personal information for our marketing campaigns, in relation to new products, services or information that may be of interest to you.

We may disclose the information we collect to third parties, including service providers engaged by us to carry out certain business activities on our behalf (such as assessors and call centres in Australia). In dealing with us, you agree to us using and disclosing your personal information as set out in this statement and our Privacy Policy. This consent remains valid unless you alter or revoke it by giving written notice.

However, should you choose to withdraw your consent it is important for you to understand that this may mean we may not be able to provide you or your organisation with insurance or to respond to any claim you submit.

If you have previously provided us with permission to show your name and occupation for marketing purposes, you may revoke this permission at any time in writing to us, or by emailing us.

Your duty of disclosure

Duty to take reasonable care not to make a misrepresentation Before you enter into this contract of insurance, you have a duty to take reasonable care not to make a misrepresentation. You have a similar duty when you ask us to vary or extend the insurance, and when we offer to renew your insurance. This means that you need to take reasonable care to provide honest, accurate and complete answers to our questions. A misrepresentation includes a statement that is false, partially false, or which does not fairly reflect the truth.

When you ask us to vary or extend your insurance or before you renew your insurance, you need to take reasonable care to review any information that we provide to you for your confirmation and to tell us about any changes, if the information is no longer honest, accurate and complete.

If you are not sure of the answers to any of our questions, or whether the information you previously provided remains honest, accurate and complete, you should check it and find out. It is also important to understand that, in answering the questions and checking the information, you are answering for yourself and anyone else to whom the questions apply. If you are answering questions on behalf of anyone, we will treat your answers or representations as theirs.

As we use your answers to decide what insurance we will offer, to calculate your premium, and to assess any claim you make, it is essential that you contact us if you have any doubts.
If you do not take reasonable care in answering our questions, or to inform us of any changes, you may breach your duty. If that happens, your policy may be cancelled, or treated as if never existed, and any claim may be denied or not paid in full.
Whether you have taken reasonable care not to make a misrepresentation will be determined with regard to all relevant circumstances, including:

  • the product type and its target market;
  • explanatory material or publicity produced or authorised by us;
  • how clear, and how specific any questions we asked were and how clearly we communicated to you the importance of answering those questions, and the possible consequences of failing to do so;
  • whether or not an agent was acting for you;
  • whether the contract was a new contract or was being renewed, extended, varied or reinstated;
  • any particular characteristics or circumstances relating to you which we are aware or ought reasonably to have been aware.

Financial Services Guide

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Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.