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Business Insurance Insights Meet Our Clients

Meet Martin Turner, Owner of The Turner Group (TTG) Recruitment

For Martin Turner, recruitment has never been just about filling roles. It’s about helping people find opportunity, guiding careers, and building connections that can genuinely change lives.

As one of the founders of TTG, Martin has spent more than three decades helping businesses find the right people and supporting individuals to step into roles where they can thrive.

Along the way, he’s navigated economic downturns, industry challenges, and delivered some of Australia’s largest recruitment projects.

His journey into business wasn’t part of a grand plan. After building a career in human resources and recruitment consultancy, Martin and a group of colleagues saw an opportunity to do things differently.

In 1991, four founders took a leap of faith and launched TTG. More than 30 years later, that decision has grown into a trusted recruitment business that has helped thousands of people and organisations find the right fit.

Riding out the storms

Like many long-standing businesses, TTG has weathered its share of challenges.

From the Global Financial Crisis to COVID-19, there were times when hiring slowed, projects paused, and confidence in the market dropped. As Martin explains, recruitment is closely linked to business activity. When clients slow down, hiring slows too. When confidence returns, recruitment picks up again.

One constant challenge throughout the years has been cash flow, particularly when working with large organisations that come with complex processes and longer payment cycles.

Despite this, Martin credits the team’s resilience and adaptability for the business’s continued growth.

A project close to home

While TTG has partnered with major organisations across Australia, one project stands out.

When Brisbane’s public transport network changed from Go Card to contactless payments, Translink asked TTG to help with the rollout. The team was tasked with recruiting 140 employees for a large customer engagement campaign.

For a relatively small team, it was a major undertaking. They interviewed hundreds of candidates, onboarded successful applicants, coordinated training programs, and provided ongoing performance management throughout the project.

What began as a single recruitment assignment grew into a trusted three-year partnership, a clear reflection of the team’s ability to deliver great results.

Helping people find their place

While large projects are rewarding, what keeps Martin motivated is simple: helping people find work they truly enjoy.

Many young professionals come to him unsure of what they want to do. Sometimes, they only know what they don’t want.

Martin enjoys helping them discover opportunities they may not have thought about and guiding them towards careers that suit their skills, goals, and personality.

For him, helping people build a career they love is the most rewarding part of the job.

Lessons learned along the way

After more than 30 years in business, Martin has learned plenty but one lesson stands out: don’t do it alone.

Building strong relationships with mentors, advisers, and trusted partners can make all the difference when challenges arise.

He also believes in the importance of delegation; surrounding yourself with capable people and trusting them to do what they do best, so he can focus on growing the business.

Life beyond recruitment

Outside of work, Martin has discovered a new passion: winemaking.

What started as a hobby is slowly growing into a business. He plans to obtain a wine licence and one day sell his own wines, with the profits going towards charitable causes that are close to his heart.

When he’s not in the vineyard, you’ll likely find him watching rugby on TV. A proud Welsh rugby fan, he rarely misses a match.

After decades spent helping others build their careers, Martin continues to explore new passions of his own. And if his journey has shown anything, it’s that great opportunities often begin with a willingness to take a chance.

Connect with TTG Recruitment

Categories
Business Claims Insurance Insurance Insights

We Helped a Client Recover More Than Just a Vehicle 

One of our landscaping clients faced a costly setback when the incorrect fuel was accidentally added to their work vehicle, causing significant damage.

With the vehicle off the road, their ability to operate and generate income was immediately affected.

At first, the insurer approved the claim. However, they later advised that they had misread the policy and that the claim, including both repairs and downtime would not be covered.

Four weeks after the claim was lodged, and with no new information provided, the insurer reversed their decision due to their own error.

This sudden change left our client feeling confused and under pressure. The business had already been disrupted and the claim outcome had shifted. 


Our role as your insurance claim support 

This is where our team stepped in to provide them with insurance claim support.

Our insurance claim support team reviewed the situation and challenged the insurer’s decision. We highlighted a few key points: 

  • The client had been open and honest from the start
  • The insurer had already indicated the claim would be covered
  • The delay in changing the decision put the client at a disadvantage 

The insurer finally agreed to cover the repair. However, they still declined the downtime insurance claim.

We didn’t stop there. Given that downtime cover had been clearly discussed earlier with the insurer, we continued to push the matter further.

We escalated the case to a Dispute Resolution Officer. We also continued negotiations over several months to seek a fair outcome. 

Landscaping work vehicle under repair after fuel damage, representing business insurance claim and downtime support

The outcome

After persistent follow-up and strong advocacy from our insurance claim support team, the insurer agreed to cover both the repair and the downtime claim.

This result made a real difference to our client. It helped them recover financially and get their business moving again. 

Key takeaways:


Business insurance claims do not always go smoothly. Decisions can change, and the process can feel overwhelming.

This is where having a broker can make a real difference.

Without insurance claim support, many business owners do not have the time or energy to challenge claim decisions or navigate disputes. Some may even accept an outcome that is not fair.

When you work with a broker, we handle the business insurance claim process for you. We advocate on your behalf as your insurance claim support and deal with the insurer directly.

You can focus on your business, knowing you have someone in your corner when it matters most. Learn more about our claim services. here.

Claims contact information

1800 809 132 (choose option 1 for claims)
cl****@**********om.au

Categories
Business Insurance Insurance Insights

Why Run-Off Cover Matters More Than You Think

When we asked our Insurance Advisors what cover they wish clients took more seriously, one answer stood out: run-off cover.

Many business owners with Professional Indemnity insurance cancel their cover when they retire, sell their business, or stop trading.

They often think they no longer need insurance.

But without run-off cover, they will not be protected for work they did in the past.

What Is Run-Off Cover?

Run-off cover is an extension to Professional Indemnity insurance. It protects a business after it stops trading.

Professional Indemnity insurance is a claims-made policy. Because of this, it is important for businesses to add run-off cover.

To understand this, it helps to see how different types of insurance work.

Occurrence-Based Insurance (e.g. Public Liability)

Most insurance, such as Public Liability insurance, respond based on when an incident happens.

For example:

  • A business had Public Liability insurance from 2010 to 2015
  • Someone slipped at the business premises in 2014
  • The claim was made in 2020

In this case, the policy from 2014 can still respond. This is because the incident happened while the insurance policy was active.

Claims-Made Insurance (e.g. Professional Indemnity)

Professional Indemnity insurance works differently.

It is a claims-made policy. This means there must be an active policy when the claim is made.

For example:

  • A business had Professional Indemnity insurance from 2010 to 2015
  • The business stopped trading and cancelled the policy in 2016
  • A claim was made in 2020 about advice given in 2014

Even though the business had insurance when the advice was given, there is no active policy in 2020 when he claim is made.

Because of this, there will be no cover to protect the business.

Without run-off cover, the business will need to pay legal costs, settlements, or compensation themselves.

Other common claims-made insurance include:

  • Cyber Insurance
  • Management Liability insurance

How Run-Off Cover Helps

This is where run-off cover is important.

If a business takes out run-off cover after it stops trading, it can still be protected if a claim is made later.

Run-off cover is especially important for:

  • Retiring business owners
  • Businesses being sold
  • Professionals changing industries
  • Anyone cancelling a claims-made insurance
Small business owner speaking with insurance broker about run-off cover protection

Why Run-Off Cover Matters

Claims for advice or professional work can take years to appear.

Sometimes a problem is not found until long after the job is finished.

The Good News

Run-off cover is often cheaper than active insurance.

The cost can also go down over time as the risk reduces.

Many industries suggest around 7 years of run-off cover. But the right time depends on the business, contracts, and industry.

Speak to Your Broker Before Cancelling Cover

It may feel natural to cancel insurance when closing a business or retiring.

But without understanding future risk, it can lead to serious financial problems later.

Before cancelling any claims-made insurance policy, speak with your broker about run-off cover.

A short conversation today could help protect you from a costly claim in the future.

Categories
Business Insurance News

Two of Our Leaders Named in Insurance Business Asia-Pacific Elite Women 2026

We are incredibly proud to share that two of our senior leaders have been recognised in the Insurance Business Asia-Pacific Elite Women 2026 list, one of the most prestigious acknowledgements of female leadership in the insurance industry across the region.

This year, 70 women across Asia, Australia and New Zealand were named from a field of nominees assessed on leadership impact, influence, innovation and commitment to progress. To have two leaders recognised from our organisation is something we don’t take lightly.

A Big Moment for a Small but Mighty Team

We are a collection of businesses spanning insurance, underwriting, SaaS and premium funding and we turned 40 last year. For a team of just over 40 people, having two leaders named on a list of this calibre is, frankly, a big deal. And we’re going to own that.

Rebecca: Driving Strategy and Technical Excellence

Rebecca, our Chief Insurance Officer, has been instrumental in shaping the technical and strategic heart of our business. She brings deep insurance expertise and a forward-thinking approach to everything she touches and her seat on the Women in Insurance board reflects a commitment to the industry that extends well beyond our four walls.

Kate: Building a Culture Designed to Thrive

Kate, our Chief People Officer, joined with a rich background in diversity, equity and inclusion and has been a driving force behind building a workforce that is genuinely designed to thrive. Not by accident but by design.

Transforming the Business from the Inside Out

What makes this recognition particularly meaningful is what it represents about the way these two leaders have worked together. Over the past year, Rebecca and Kate have collaborated to reshape how our organisation operates from the inside out by building the team by design and redesigning team structures, shifting the focus from presence to output, embedding a values-driven culture, and overhauling the systems our people use every day.

The Results Speak for Themselves

The results speak for themselves: employee turnover reduced by 80%.

Read that again. Eighty percent.

In an era where talent retention is one of the greatest challenges facing businesses of every size, that number is extraordinary and it didn’t happen by chance. It happened because two leaders decided that engagement, culture and people-first thinking weren’t soft initiatives. They were a business strategy.

Building the Future of Work

As we look ahead, our focus continues to evolve. We are actively exploring how AI and emerging technologies can be integrated into our workforce ecosystem in ways that support our people to stay engaged, energised and not overwhelmed. The future of work is something we’re building intentionally, not reacting to.

Looking Ahead with Pride

We are proud of Rebecca and Kate. We are proud of the team that surrounds them. And we are proud to be the kind of organisation, at 40 years young, that still has the appetite to do things differently.

Congratulations to all 70 Elite Women recognised across Asia-Pacific this year. You can read the full report via Insurance Business Asia-Pacific.

Categories
Insurance Insights Meet Our Team

Meet the Team Behind Your Insurance

As a valued client of East West Insurance Brokers, you’re supported by a team of experts who bring more than just insurance knowledge to the table; they also have passions, hobbies, and aspirations that make them who they are. Get to know the people dedicated to looking after you and your business.

Insurance broker staff profiles - Rawinia Lim

Rawinia Lim
Head of Claims

Rawinia manages complex claims, ensures smooth coordination with insurers, and handle escalations when needed.

Rawinia enjoys walking her dog and unwinding at home. She’s keen to explore pottery as a new hobby, and her travel wish list includes Greece, Thailand, and a return trip to Ireland.

Insurance broker staff profiles - Alicia Newell

Alicia Newell
Executive Assistant

Alicia manages staff policies and supports Insurance Advisors to deliver exceptional services to our clients.

When not at work, you’ll find her at the gym or out enjoying meals, gardening, or taking her kelpie on adventures. She hopes to explore pottery and has Canada at the top of her travel list to see her favourite comedian and experience the wilderness

Insurance broker staff profiles - Shreya Sharma

Shreya Sharma
Marketing Manager

Shreya oversees the marketing team and leads all aspects of marketing for the business.

Outside of work, you’ll find her gardening, hiking, or experimenting with new recipes. She’s keen to explore creative pursuits like pottery or textured canvas art, with South Africa currently at the top of her travel wish list.

See what our team are loving this quarter

Staff favourite of the quarter

Jamie Olivers Gnarly Madras Lamb Traybake

Ingredients

  • 2kg Lamb Shoulder (Bone In)
  • 180g Madras Curry Paste
  • 250g Yellow Split Peas
  • 3 Red Onions
  • 4 Tomatoes
  • 1 Potato
  • 6cm Ginger
  • 1 bulb of Garlic
  • 15g Coriander
  • 12 Cloves

Method

1. Score the lamb and season with salt and pepper.
2. Rub with half the curry paste.
3. Place yellow split peas in a deep roasting tray with all the other ingredients along with the remaining curry paste.
4. Stir in 1.2L of boiling water and sit the lamb on top.
5. Tightly cover with tin foil and roast at 170 degrees for 4.5 hours.
6. Remove foil, baste with the tray juices.

Categories
Business Cyber Insurance Insurance Insurance Insights

Protecting Your Business With Cyber Risk Management

Cyber risk is one of the most common threats for Australian businesses. It can disrupt operations and cause serious losses.

To help businesses, the Australian Government released the Essential Eight. This is a set of eight practical cybersecurity strategies. They are designed to help businesses get back to trading quickly after a cyber incident.

Essential Eight Cybersecurity Strategies

The Essential Eight encourages businesses to:

1.Keep software up to date: Regularly update your operating systems and applications to close security gaps.

2. Control access: Only allow authorised staff to make important system changes. Remove access when staff leave.

3. Use strong passwords and MFA: Strong passwords plus multi-factor authentication (MFA) add an extra layer of protection.

4. Limit risky programs: Block or restrict applications and macros that are commonly used to spread malware.

5. Back up data often: Make frequent, secure backups. Test them to make sure you can restore data quickly.

6. Protect against phishing and unsafe sites: Reduce risk from malicious emails and dangerous websites.

7. Have a simple response plan: Know what steps to take and who to contact if something goes wrong.

8. Educate your staff: .Use monthly updates from the Essential Eight team to keep staff aware of the latest cyber threats.

Australian business protecting against cyber risk with Essential Eight cybersecurity strategies

Why Cyber Risk Management Matters

Insurers now look closely at cyber risk management when deciding coverage, premiums, and claims for Australian businesses. Businesses that follow frameworks like the Essential Eight are better prepared if a claim occurs.

Demonstrating these controls can also help negotiate stronger coverage or lower premiums.

What You Should Do?

If you’re reviewing your insurance or risk management, now is a good time to consider how the Essential Eight cybersecurity strategies could be implemented in your business. Contact your broker to discuss these controls in detail.

Categories
Business Insurance Insights Meet Our Clients

Meet Our Client: Mary-Anne Hall, owner of EPEC Education

Mary-Anne has been a client of East West Insurance Brokers for 20 years and we have had the privilege to watch her business evolve from when she owned childcare centres and after-school care facilities to her present business, EPEC Education.

Tell us more about your business.

EPEC Education is a Registered Training Organisation that provides accredited training and professional development to those interested in contributing to the Early Childhood Education community.

EPEC’s training covers all aspects of the care of children with special focus on identifying and preventing child abuse.

What inspired you to start your business?

As a former Approved Provider of a range of early childhood services, I was hoping I could make a positive contribution in this space.

As a former University teacher, I believed the combination of both my theoretical and hands-on industry knowledge would make a positive contribution to the industry.

What’s the most rewarding part of running your business?

Supporting educators and other personnel to be more caring and compassionate in their interactions with the children in their care.

What do you wish you knew starting out?

That it takes a long time to develop the fundamentals of a business, and that there is always a solution to 99% of business problems.

What was your biggest challenge, and your solution?

Coming to terms with all the changing technologies. The best way to overcome these challenges is to stay acutely on top of new technologies and all the details of changing legislation.

What’s your favourite success story?

One of my proudest moments from my business journey is staying true to my belief in the importance of inclusive and compassionate care of all children.

What’s your one big goal for your business in the next year?

In accordance with EPEC’s commitment to the early childhood sector, it is starting to make moves into the recruitment sector and aims to develop this as another department of its business in 2026.

Outside of work, what do you enjoy doing?

Exercising on the beach, connecting with nature and recovering from the challenges of the previous week.

What advice would you give to other business owners?

To be successful in business you need to have plenty of strength and courage. Staying the course is about mental toughness and resilience above all else.

Where can people find you to connect or support your business?

www.epeceducation.com.au
www.foodsafetycertificates.com.au
www.childprotectiontraining.com.au

or contact Mary-Anne via 07 4616 8111 to discuss how her business can help you.

Categories
Business Claims Insurance Insurance Insights

When One Accident Put a Business on Pause, We Helped Get It Back on Track

For small business owners, work is more than just work. It is your livelihood. So when something unexpected stops you from working, the stress can be huge. This is where strong insurance claims support makes a real difference.

One of our clients in the commercial cleaning industry experienced this when their work vehicle was damaged in an accident. With jobs booked and bills to pay, being off the road was not just inconvenient. It caused real financial pressure.

The client had a Downtime benefit in their insurance policy, also known as business downtime insurance. This benefit is designed to provide income support while a vehicle is being repaired. After the breakdown, the client lodged a claim and received a repair quote that was below their insurance excess. They decided to pay for the repair privately to avoid the excess.

Partway through the repair, the mechanic found more damage. The new quote was now higher than the insurance excess. Because of this, the client chose to have the repair covered by insurance instead.

The insurer approved the repair costs. However, they declined the Downtime benefit. They relied on a policy exclusion because the first repairs had been done privately.

Our role

Our claims team stepped in to provide dedicated insurance claims support during this stressful time. We reviewed the situation and challenged the insurer’s decision. We explained that:

  • Any reasonable person would have made the same choice
  • The client acted in good faith and did not try to mislead
  • The insurer suffered no additional financial loss from the client going ahead with repairs

We kept the client informed at every step. We reassured them and handled the discussions with the insurer so they could focus on running their business. This is an example of strong insurance broker claims advocacy in action.

Small business owner affected by vehicle breakdown during insurance claim

The outcome

Because of our team’s experience and persistence, the insurer agreed to pay the maximum Downtime benefit under the client’s business downtime insurance. The client received the income support they needed during a difficult period. This reduced financial pressure and helped them return to work with confidence.

Key takeaways:

This claim shows why working with an insurance broker matters:

  • Policy wording is not always final, and insurers must follow a fair claims process
  • Experienced claims support can challenge insurer decisions
  • Brokers provide insurance broker claims advocacy in complex situations
  • You don’t have to navigate claims alone

Insurance is about being there when it counts and we’re proud to stand beside our clients when they need it most.

Claims contact information

1800 809 132 (choose option 1 for claims)
cl****@**********om.au

Categories
Business Cyber Insurance Insurance Insurance Insights

AI in Business: Powerful Tool, New Exposures

Artificial Intelligence in business is now part of everyday operations. It helps with admin tasks, data analysis, and customer service. It can also help write messages and emails. AI is a useful tool for saving time and improving efficiency.

For many businesses, using AI is no longer a choice. It is becoming necessary to stay competitive. But every new tool brings new risks, therefore, it is important to understand these risks before relying on AI.

Understanding AI

A simple way to think about AI is to compare it to your home. A robot vacuum or dishwasher can save you time. But they only work well if the space is set up properly. If there are items on the floor, blocked pipes, or the machine is too full, problems can happen.

AI works in the same way.

The more AI is used in your business, the more important it is to control how it is used. You will need to manage what it can access and who is responsible for it.

Without clear rules and controls, businesses may face challenges. Effective AI risk management can help reduce:
  • Data privacy and confidentiality breaches
  • Cyber attacks or system failures
  • Incorrect results or false information
  • Intellectual property or copyright problems
  • Legal or regulatory issues
Artificial intelligence in business: Insurance to manage AI risks

The Role of Business Insurance for AI

From an insurance point of view, protection must keep up with new technology.

Many insurance policies do not clearly cover AI-related problems. This is common when data, cyber risk, or professional advice is involved. Just as you protect your home and contents, you should also protect your business. This means checking your insurance regularly and making sure your coverage matches how your business uses technology, including AI.

Keeping Business Efficient and Protected

AI can make running your business easier and faster. The key is to set it up properly and ensure you have the right protection in place.

If your business is starting to use new technology or is expanding its use of AI, now is the time to talk to your broker. A review of your risk management and insurance cover, including AI risk management strategies will help make sure your protection grows with your business.

Categories
Business Insurance

Commercial Property Insurance: Why Purchase Price Doesn’t Equal Sum Insured

When arranging insurance for a commercial property, many owners make a common mistake: using the purchase price as the sum insured.

On the surface, it feels logical. If that’s what you paid for the property, surely that’s what it’s worth? However, the purchase price doesn’t always reflect the actual cost of rebuilding.

Purchase Price vs. Rebuild Value

It’s important to understand the difference between the purchase price and rebuild value when it comes time to insuring your property. Yes, both relate to what your property is worth, but they represent and serve very different things.

Purchase Price

The purchase price of a property represents the total amount paid to acquire it on the market. It’s affected by several factors, which include:

  • The value of the land.
  • The property’s location and market demand.
  • Broader economic conditions at the time of purchase.

None of these is relevant to an insurer if your building is damaged or destroyed. Insurance is about replacing the structure itself, not the land it sits on.

Rebuild Value

The sum insured is generally expected to reflect the full replacement value of the building, which includes:

  • Demolition and debris removal.
  • Professional fees (engineers, architects, surveyors).
  • Current labour and material costs.
  • Compliance upgrades (to meet today’s building codes).

What’s the difference?

The key difference between purchase price and rebuild value lies in what each represents. The purchase price reflects the property’s market value, including the land, location, and broader economic factors, while the rebuild value focuses solely on the cost to reconstruct the building if it were damaged or destroyed. This includes demolition, debris removal, professional fees, materials, labour, and any upgrades needed to meet current building codes. In short, insurance covers the cost to rebuild, not the market price you paid.

The cost of getting it wrong

If your sum insured is based on the purchase price rather than a professional valuation, you risk being underinsured. And underinsurance doesn’t just affect you in the event of a total loss. It can also reduce your payout even in the case of a partial claim. For example:

  • A property was purchased for $2 million, but the actual rebuild cost is $3 million
  • The sum insured is set at $2 million (instead of $3 million).
  • A fire causes $600,000 worth of damage
  • Because the building was underinsured by one-third, the insurer may pay only two-thirds of the claim (about $400,000)

This could leave you, the owner, with $200,000 out of pocket expenses even though the damage wasn’t a total loss.

professional property valuations matter to help you determine the right cost to insure your property for

Why professional property valuations matter

Construction costs in Australia have surged in recent years, driven by shortages of materials and skilled labour. Without a proper valuation, it’s easy to underestimate the cost of rebuilding today compared to when you purchased the property. A professional building valuation gives you:

  • Confidence that your sums insured are accurate
  • Protection from co-insurance penalties
  • Peace of mind that your biggest asset is covered correctly

It’s best to arrange a professional building valuation every few years and review your insurance sums annually. That way, your cover keeps pace with any changes to your property, as well as rising rebuild costs and inflation.

Avoid underinsurance with proper valuation

The purchase price reflects market conditions, not rebuilding costs. Having a commercial property is already a significant investment, and underinsurance can create unexpected financial strain during claims. To safeguard your investment, arrange a professional building valuation and review it regularly. That way, your insurance truly reflects today’s replacement costs, not yesterday’s market value.

When it comes to protecting your assets and ensuring the sums are properly accounted for, a Broker would be a huge help. If you want advice or are interested in learning about available options for commercial property coverage, reach out to East West Insurance Brokers today.