About Us

Bay Insurance Solutions is an Authorised Representative of Insurance Advisernet, one of Australasia's biggest General Insurance Brokers. Our knowledge of the local insurance industry is second to none and our experience in handling insurance for many thousands of customers enables us to provide independent advice you can always trust. It also means you'll benefit from access to unrivalled financial strength, business efficiencies and buying power spanning every major insurer in Australia and New Zealand even access to major overseas insurers if and when required.

  • Nicola Carr

    Nicola has over 6 years' experience in the Insurance and Financial Services Industry and her knowledge of the insurance industry and experience in designing and handling insurance programs offers value to her clients.

    As a qualified General Insurance Broker and a Life Insurance Adviser she doesn’t just sell Insurance, she offers the right advice and risk management solutions to new and existing clients.

    LinkedIn

    Principal

    AR No. 405127

    (02) 9964 7353

    0417 018 222

    Nicola has over 6 years' experience in the Insurance and Financial Services Industry and her knowledge of the insurance industry and experience in designing and handling insurance programs offers value to her clients.

    As a qualified General Insurance Broker and a Life Insurance Adviser she doesn’t just sell Insurance, she offers the right advice and risk management solutions to new and existing clients.

    LinkedIn
  • Rickie Childs

    AR No. 337360

    (02) 9964 7353

  • Our Commitment

    As your appointed General Insurance Advisers, we commit to:

    • Conduct an analysis of your risk/needs and advise our recommendations on the correct covers required to protect your assets and liabilities
    • Recommend the appropriate Insurer to match the risk
    • Only recommend financially secure and stable Insurers
    • Provide alternatives on your risk retention through various excess options
    • Provide alternatives to pay premiums in monthly instalments
    • Prompt and timely servicing of your account to ensure you are adequately informed of issues that may affect your business.

    In the event of a claim we will:

    • Provide you with the Insurer’s Claim Form
    • Arrange for the Loss Assessor to be appointed if applicable
    • Advise you on the completion of the Claim Form
    • Submit the Claim Form to the Insurer on your behalf
    • Provide advice to ensure you have received your full entitlements.
    We are with you every step of the way, call our
    24/7 Emergency Claims Response Line on 1300 831 094
    Click here to Make a Claim

    Insurance Expertise

    Bay Insurance Solutions is an Authorised Representative of Insurance Advisernet, one of Australasia's biggest General Insurance Brokers. Being an Insurance Adviser in Mosman our knowledge of the local insurance industry is second to none and our experience in handling insurance for many thousands of customers enables us to provide independent advice you can always trust. It also means you'll benefit from access to unrivalled financial strength, business efficiencies and buying power spanning every major insurer in Australia and New Zealand even access to major overseas insurers if and when required. We specialise in Professional Indemnity, Business Insurance and Marine Insurance as well as a broad range of insurance products.

     

     

    Professional Indemnity

    If you or your business is within an industry that services information or advisement you are at risk of providing your clients with incorrect or ineffective information. In order to protect your business and your income from losses, professional indemnity is one of best covers for investment. A range of industries are eligible and recommended to purchase professional indemnity insurance including professionals, media professionals, real estate professionals, charity groups and even leisure professionals. Professional indemnity insurance is a type of cover that specifically protects you and your business against claims made by clients of negligence, malpractice, misconduct or breach of duty. Often these claims become a legal issue which, become costly and results in financial loss for the business. Each industry has unique set of risks; therefore, there are unique insurance plans to mitigate them. Professionals such as accountants require professional indemnity insurance in order to specifically provide protection for risks such as damages to third parties from breach of professional duty or omission. Real estate professional indemnity insurance provides financial protection and legal for agents that provide misleading or false information to clients or omit information that leads to emotional, physical or financial losses. Protect you, your business and your income, both financially and legally through professional indemnity insurance.

    Business Insurance

    Business insurance will protect your company from all potential loss or unexpected events that could occur through regular business hours. Insurance options for different businesses can include a range of covers such as property damage, legal liability and employee related risks. To ensure your cover is the correct one for your business is the location of your business and the type of business you operate amongst other necessary needs that need to be considered to fine the most comprehensive option. Concerns for your business such as theft, machinery breakdown, public liability or deterioration can be covered by available policies. However, one of the most important policies you should have in place is public liability, particularly if you do not have a premise and deliver services to customer. This policy will ensure you’re covered for any third-party claims of negligence or a result of a business activities. For an example, costs such as medical bills, legal representation and damages can be compensated to a maximum limit. Without having the correct business insurance coverage, companies can suffer from major issues such as financial, legal and managerial issues. These issues can potentially result in interrupting regular business flow and can even impact the business' future.

    Marine Insurance

    Marine industry insurance is a policy which is crucial to a company in order for their ships, boats and cargo are covered in any accident that may happen while in transit from port to port. The marine industry is one of the most unpredictable industries to be in, as you are at a constant risk of being in choppy waters, hurricanes or typhoons. An additional risk that that is covered by marine industry insurance is the possibility of piracy and cross border shootouts which may occur while travelling through international waters. A vessel’s captain has strict protocols which they must adhere to in order for the vessel to be completely covered by insurance. The captain must keep to the route and scheduling otherwise if the vessel was involved in an accident, the vessel and cargo onboard will be ineligible for any insurance claims. The marine industry insurance policy have four additional covers such as cargo insurance, hull insurance, liability insurance and freight insurance. Cargo insurance ensures the cargo on-board the ship is covered if an incident has occurred and the cargo has been stolen or lost. Hull insurance provides cover to the main body of the vessel as well as the items on-board such as furniture. One of the most popular insurances to have is liability insurance, this insurance type will ensure the vessel is covered in the case it has been involved in a collision or accident with another ship. The last insurance type you should have is freight insurance, this policy will protect the owner of the vessel and the company from any potential financial losses in the case an accident has occurred. The marine industry insurance policy is a crucial part of your business, because in order for you to complete the contract you have to face the uncertainty of. This insurance will protect yourself, your vessel, crew and cargo from all unexpected events.

     

    IT Insurance

    IT businesses that services or reply heavily on IT to operate their business are at a risk of being exposed to both expected and unexpected risks. Ensuring your business is covered by an industry specific policy like IT insurance, which will ensure your business is fully covered from any incidents. The five main insurance policies that are extremely popular are professional indemnity insurance, IT liability insurance and general liability insurance. Professional indemnity is an insurance policy that provides coverage for service businesses such as IT. In the case a client is claiming to have suffered a loss as a result of your negligence, malpractice or breach of duty your business will be financially and legally protected, additional coverage also provides protection for any reputation damage that may happen. IT liability is a cover that is specifically for IT businesses such as software developers, IT consultants etc. this insurance type provides protection for intellectual property, loss of document, electroclinic data and computer equipment. if a third-party has been injured while on your property whether you are at-fault or not, public liability will cover the cost of any medical bills, hospital bills or legal representation. The unique risks involved in the IT industry requires businesses to be fully insured in order to keep up with the change and development of IT.

    LOCAL UNDERSTANDING. NATIONAL STRENGTH.

    Bay Insurance Solutions Pty Ltd is proud to be an Authorised Representative of Insurance Advisernet, a network of more than 180 insurance advisers across Australia and New Zealand. Insurance Advisernet is a principal member of the National Insurance Brokers Association and the largest member of the publicly-listed AUB Group – one of the leading general insurance broking groups in Australasia with over 450,000 clients. This relationship gives Bay Insurance Solutions Pty Ltd access to unrivalled financial strength, business efficiencies and buying power that spans every major insurer in Australia and New Zealand, even access to major overseas insurers when required. To find out more about the many benefits simply visit insuranceadviser.net

    Adviser generic video

    STRENGTH UNDER THE INSURANCE ADVISERNET BANNER.

    Bay Insurance Solutions Pty Ltd is a Corporate Authorised Representative of Insurance Advisernet (IA) founded in 1996. IA are a national organisation in both Australia and New Zealand and this allows Bay Insurance Solutions Pty Ltd the benefit of maintaining their local presence whilst being able to be part of a national group for products and services needed by their customers in todays complex business world.

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    Insurance Types

    Builders' Warranty

    A licensed builder will need Builders' Warranty insurance for some, or all of your residential jobs. Builders' Warranty protects your customer if they lose their deposit, you don’t finish the job or if it’s defective, and you die, disappear or become bankrupt. The rules vary from state to state across Australia.

    Learn more

    Business Insurance

    Having adequate general insurance cover is one of the most fundamental parts of being in business, as it provides invaluable protection against a range of risk events – from equipment and assets to legal liability – reducing financial uncertainty and protecting your livelihood and that of your workforce. Insurance companies provide a wide variety of general business insurance policies so it’s essential to get the right one for your needs.

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    Business Interruption Insurance

    Business interruption insurance is designed to cover the shortfall in gross profits caused by the interruption to your business after a disaster or another type of insured event that forces you to close your doors for an extended period of time. It effectively returns your business to the same financial position it was in before the event occurred, allowing the quickest possible resumption of normal business.

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    Contract Works Insurance

    You need contract works insurance in place before a peg is put into the ground. Many things can go wrong where building works are involved, whether that be at excavation or even completion stage of any project. This insurance is designed specially to provide any physical and related party liability damage as well as loss of building materials, fire and malicious damage.

    Learn more

    Cyber Insurance

    As digital technology has become more and more inseparable from the operations of most businesses, having cyber insurance has become more and more important.

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    Directors & Officers / Management Liability Insurance

    If you have a small to medium sized private company, you could be protected by a policy that covers claims from a wide range of management liabilities, such as; directors and officers liability, company reimbursement, company liability and employment practice liability.

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    Home Insurance

    If you run your business predominantly from home it’s important to be aware your existing home and contents insurance may not cover your business activities or equipment in the event you need to make a claim

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    Liability Insurance

    Despite a business’ best intentions sometimes accidents still happen. Product liability insurance protects against claims of personal injury or third party property damage caused by products that have been manufactured, sold or supplied by your business. In particular it can help to cover the potentially significant costs associated with legal and court costs.

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    Marine & Hull Insurance

    Marine insurance is designed to provide peace of mind, whether you have a pleasure craft that requires insurance or if you are moving cargo across water, land or air. Marine transit covers provides point-to-point coverage between your premises and those of your customers.

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    Motor Insurance / Commercial / Heavy Motor Insurance

    One of the more common types of business cover, motor/vehicle insurance protects your business fleet against costs arising from theft and accidents. Your policy can be tailored to include a range of commercial vehicles from cars and motorbikes to vans, trucks and even buses and heavy motor vehicles.

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    Plant & Equipment Insurance

    If you have mobile plant and equipment, we can arrange to ensure this plant and equipment is properly insured to protect both the equipment but importantly also the liabilities associated with its use. This product is designed to cover everything from the smallest of earthmoving machines through to the largest fixed or mobile cranes – and everything in between.

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    Professional Indemnity

    You always endeavour to provide the very best services and advice you can. Regardless, the threat of claims and litigation is very real in 21st Century Australian business and can potentially bankrupt a business. This is why if your business provides any kind of professional services and/or advice you should strongly consider having professional indemnity insurance.

    Learn more

    Property Insurance

    A must if you have one or more business premises, property insurance provides financial protection in the event they are damaged or destroyed in a one-off event.

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    Strata Insurance

    Strata Insurance offers you peace of mind by providing liability cover in the event people are injured on common property. Typically it includes cover for lifts, pools, car parks, stairwells, gardens, wiring, balconies, walls, windows, ceilings and floors.

    Learn more

    Workers' Compensation

    Workers' Compensation is compulsory for all Australian employers. It provides protection to workers if they suffer a work-related injury or illness. Any business that employs or hires workers on a full-time, part-time or casual basis, under an oral or written contract of service or apprenticeship, must have workers' compensation insurance that covers their workforce.

    Learn more

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  • Nicola Carr

    Nicola has over 6 years' experience in the Insurance and Financial Services Industry and her knowledge of the insurance industry and experience in designing and handling insurance programs offers value to her clients.

    As a qualified General Insurance Broker and a Life Insurance Adviser she doesn’t just sell Insurance, she offers the right advice and risk management solutions to new and existing clients.

    LinkedIn

    Principal

    AR No. 405127

    (02) 9964 7353

    0417 018 222

    Nicola has over 6 years' experience in the Insurance and Financial Services Industry and her knowledge of the insurance industry and experience in designing and handling insurance programs offers value to her clients.

    As a qualified General Insurance Broker and a Life Insurance Adviser she doesn’t just sell Insurance, she offers the right advice and risk management solutions to new and existing clients.

    LinkedIn
  • Suite 9, 235 Spit Road

    Mosman NSW 2088

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    We are with you every step of the way, call our
    24/7 Emergency Claims Response Line on 1300 831 094
    Click here to Make a Claim