services

What matters to you, matters to us.

Our clients enjoy a highly personalised and bespoke service. We offer business owners and individuals a single point of contact for all of their business, investment and personal insurance needs saving time and effort.

Our partnership style service ensures our clients understand how their risk can first and foremost be mitigated, rather than transferred or avoided. We’re about giving the power back to our clients when it comes to risk management and believe insurance is something that should enable businesses to grow and prosper, rather than become an unavoidable cost on a balance sheet.

Specialising in Discretionary Mutual Funds (DMF’s), corporate insurance, workers compensation and private insurance broking we work closely with all the major Australasian insurers and the global market as a whole.

Discretionary Mutual Fund Management

A Discretionary Mutual Fund (DMF) is a financial vehicle for the management of risk. It is essentially a collaborative fund with business owners that share a common risk profile and are often established by companies or associations with a common business purpose.

It is important to note DMFs are not insurance. A DMF is an alternate insurance risk financing strategy.

For mutuality more than one entity/person is required; these entities /people become members’ of the DMF. DMF members’ contribute funds to create an Aggregate, which is utilised to manage the primary layer of risk. This capital is often reallocated from insurance purchase back to the DMF.

DMFs give ownership of risk back to the client, are tax effective, and are long term risk management propositions. In contrast to traditional insurance, a DMF is constituted from clients funds, is owned by those clients and run for their benefit.

Corporate Insurance Broking Services

Large or small, all businesses have inherent risks, including its physical assets, liabilities or the internal business activities of its people. It’s only when the unexpected happens that the right insurance program becomes critical, allowing your business to continue with minimal disruption and financial impact.

At KJ Risk Group, we partner with business owners and operators to identify all insurable risk. We then tailor an insurance program based on their unique business risk profile. Our goal is to help our clients better manage their risk and retain more control over their insurance needs.

We work closely with all the major Australasian insurers and the global market as a whole.  Our experienced brokers can provide a range of risk advisory services, including:

  • Risk consulting.
  • Comprehensive risk assessment of your current business and industry.
  • Objective review of your existing insurance program.
  • Optimisation of your existing risk management program.
  • Design and implementation of new risk management strategies.

Workers Compensation Consulting

For many businesses Workers’ Compensation premiums are a significant cost, sometimes rivaling the size of their general insurance premiums. Workers’ Compensation is not only a significant cost to businesses, it is complex, as there are different Workers’ Compensation jurisdictions in each state and territory of Australia.

Our in-house team has over 25 years of accumulated experience in Workers’ Compensation across all jurisdictions in Australia. We have a hands-on approach to claims management, stressing the importance of a tripartite relationship between employer, insurer and KJ.

We analyse claims data, drilling down to identify trends and isolating causes. We then feed this information back to our clients to assist improvements in workplace safety. Safer workplaces lead to lower injury rates, lower claims and lower costs.

Private Client Broking Services

We provide private clients with high value assets the gold class in insurance broking services, protecting everything outside their business including their investment portfolio, prestige vehicles and collectables, pleasure craft vessels, household assets and most importantly their family.

We live in uncertain times, major climate events are more common and we own more than ever before. KJ Risk Group offers private clients a single point of contact for every policy coverage whether it is a catastrophic event, a day-to-day loss of a personal item, identify theft or a traumatic event affecting family members.

Highly trusted by our clients we take privacy very seriously and are committed not only to the protection of assets and valuables, but also to all personal information provided to us by our clients. We do this based on our own code of ethics and in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles.

We provide our private clients with product offerings such as:

  • Buildings including primary residences, secondary residences and investment properties.
  • Home and contents.
  • Valuable articles.
  • Pleasure craft vessels.
  • Prestige vehicles (for use or collectable).
  • Personal liability.
  • Identify fraud.
  • Family protection.

We can also provide access to services such as:

  • Building appraisals.
  • Documented asset reports.
  • Artwork valuations.
  • Jewellery valuations.

Austbrokers Life Solutions

Family and lifestyle are important to most people. As your insurance broker of choice, we can refer you to options to consider that can protect you and your family when it matters.

We have an agreement with Austbrokers Life Pty Ltd and *Suncorp (refer below) to provide referral services in relation to Austbrokers Life Solutions insurance, which has the option to provide Death Cover, Income Protection Cover, Serious Illness Cover and Kids Cover in the one policy.

We act as a mere referrer only and do not provide any advice on this insurance – you need to decide if it is right for you. See “our role” below for details.

Find out more about Austbrokers Life Solutions here.

Alternatively call the Austbrokers Life Solutions Contact Centre on 1300 161 635 to speak to a consultant, Monday to Friday, from 8am to 8pm AEST, or contact your KJ Risk Broker to organise a call back for you.

*Austbrokers Life Solutions is issued by Suncorp Life & Superannuation Limited ABN 87 073 979 530, AFSL 229880 (Suncorp) and is distributed by Suncorp Financial Services Pty Ltd ABN 50 010 844 621 AFSL 229885 (SFS). Suncorp is the insurer except for the redundancy benefit which is insured by AAI Limited ABN 48 005 297 807, AFSL 230859 (AAI). Suncorp, SFS and AAI are subsidiaries of Suncorp Group Limited ABN 66 145 290 124 (Suncorp Group). The different entities belonging to the Suncorp Group are not responsible for, or liable in respect of, products and services provided by other Suncorp Group entities.

Our role: We do not provide any financial services, including any financial product advice in relation to life insurance. Nothing on this page should be read as implied or expressly endorsing or recommending life insurance to you.

We refer you to SFS in relation to Austbrokers Life Solutions products under an arrangement with Austbrokers Life Pty Ltd ABN 23 614 273 915 AFSL 491816 (Austbrokers Life).

If you buy an Austbrokers Life Solutions policy, a referral fee will be payable by SFS to Austbrokers Life. This referral fee is included in your premium and will be shared between Austbrokers Life (who receive up to 20% of the referral fee) and us (we receive up to 80% of the referral fee). For Level Premium products, the referral fee will be up to 20% of the premium paid in the first year and up to 10% of the premium paid for each subsequent year. For Stepped Premium products, the referral fee will be up to 20% of the premium paid for the first year and for each subsequent year.

It is important that you read the Austbrokers Life Solutions insurance combined Product Disclosure Statement and Policy Document (PDS) and Financial Services Guide (FSG) before making any decisions regarding whether to acquire Austbrokers Life Solutions. You can also call 1300 161 635 and request a copy free of charge.

VIPA Financial Services & Austbrokers Life Solutions

Family and lifestyle are important. As a VIPA member, VIPA Financial Services can refer you to options to consider that can protect you and your family when it matters.

We have an agreement with Austbrokers Life Pty Ltd and *Suncorp to provide referral services in relation to Austbrokers Life Solutions insurance, which has the option to provide Death Cover, Income Protection Cover, Serious Illness Cover and Kids Cover in the one policy.

We act as a mere referrer only and do not provide any advice on this insurance – you need to decide if it is right for you. See “our role” for details, please click here.