About Us

Insurance can be confusing. At Coastal Insurance we make general insurance clear and easy to understand. We offer custom designed insurance packages to suit you and your business. Our ultimate focus is to deliver superior quality client service whilst fostering strong, long term relationships. We want to get to know you and your business. We want to help you protect your business. We want to grow and prosper with you.

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  • Nic Curkoski

    Nic Curkoski is a highly respected Insurance Adviser whom has enjoyed being a part of the General Insurance Industry since 1994.  Nic has been fortunate to be part of the Insurance Advisernet network (www.iaa.net.au) IAA since 1997 in her capacity as an Account Executive of Transcom Insurance Services & continued with IAA when commencing her own business Coastal Insurance Services in 2007.   Nic is extremely proud to be part of IAA - a company valued on family culture, caring and unwavering support.
     
    Nic understands that for many Business Insurance can be all too confusing & ends up being put into the too hard basket, becoming just another bill which is often not reviewed until after the event of a claim when it is too late. Nic aims to assist clients in taking the chore out of insurance and provides clients with service, advice & options tailored to their individual requirements to assist making decisions regarding insurance easier.
     
    Nic enjoys working with her clients for all their General Insurance needs and over the years Nic has developed a broad client base spanning across many industries such as Leisure Tourism & Entertainment, Gyms & Personal Trainers, Training Organisations, Breweries, Pubs, Hospitality, Marine, Property Owners, Retailers, Suppliers, Manufacturers, Commercial & Residential Strata, Civil Contractors including Demolition Contractors, Transport Operators, Crane Owners & Operators, Tradesman, Consultants, Retailers – this list is endless.  During this time many long standing relationships have been forged with not only her clients but also the insurers.  Nic looks forward to working with you – Give her a call!
     
    Nic is a strong believer that companies have a social responsibility to do their part to support others and is proud to help make a difference by supporting the local community and a number of worthy organisations such as IA Foundation, The Chamberlain Foundation and Walking Wounded.
     
    Achievements
    2009, Nic successfully completed the Excel Program
    2010, Nic was a finalist for Insurance Adviser of the Year with Insurance Advisernet
    2012 Nic was part of the IAA Kokoda Trek Team & was privelidged to be part of the RSL Soldiers 70th Anniversary Kokoda Trek with IAA & Adventure 1000
    2013 Nic awarded in Appreciation of 15 years dedication with IAA
    2014 Nic was a finalist for IAA Edge Platinum Quality Practice Award & Insurance Adviser of the Year
    2015 Nic was a finalist for IAA Edge Platinum Quality Practice & Insurance Adviser of the Year & was awarded the winner of IAA Edge Platinum Quality Practice Award
    2015 Nic was part of the IAA Mount Kilimanjaro Team who joined Walking Wounded on the Final Leg of the Tribute to the Anzacs & successfully made it to the top of Uhuru Peak, Tanzania (Africa's Highest Point - the worlds highest freestanding mountain 5895m AMSL)
    2016 Nic was part of the Chamberlain Foundations Chambo Challenge, walking 250klm over 5 days, from Bermagui to Mount Kosciusko raising awareness for those suffering with mental health issues and well needed funds for Lifeline Canberra

    Principal

    Authorised Rep. Number: 262134

    (02) 4294 4438

    0488 944 438

    Nic Curkoski is a highly respected Insurance Adviser whom has enjoyed being a part of the General Insurance Industry since 1994.  Nic has been fortunate to be part of the Insurance Advisernet network (www.iaa.net.au) IAA since 1997 in her capacity as an Account Executive of Transcom Insurance Services & continued with IAA when commencing her own business Coastal Insurance Services in 2007.   Nic is extremely proud to be part of IAA - a company valued on family culture, caring and unwavering support.
     
    Nic understands that for many Business Insurance can be all too confusing & ends up being put into the too hard basket, becoming just another bill which is often not reviewed until after the event of a claim when it is too late. Nic aims to assist clients in taking the chore out of insurance and provides clients with service, advice & options tailored to their individual requirements to assist making decisions regarding insurance easier.
     
    Nic enjoys working with her clients for all their General Insurance needs and over the years Nic has developed a broad client base spanning across many industries such as Leisure Tourism & Entertainment, Gyms & Personal Trainers, Training Organisations, Breweries, Pubs, Hospitality, Marine, Property Owners, Retailers, Suppliers, Manufacturers, Commercial & Residential Strata, Civil Contractors including Demolition Contractors, Transport Operators, Crane Owners & Operators, Tradesman, Consultants, Retailers – this list is endless.  During this time many long standing relationships have been forged with not only her clients but also the insurers.  Nic looks forward to working with you – Give her a call!
     
    Nic is a strong believer that companies have a social responsibility to do their part to support others and is proud to help make a difference by supporting the local community and a number of worthy organisations such as IA Foundation, The Chamberlain Foundation and Walking Wounded.
     
    Achievements
    2009, Nic successfully completed the Excel Program
    2010, Nic was a finalist for Insurance Adviser of the Year with Insurance Advisernet
    2012 Nic was part of the IAA Kokoda Trek Team & was privelidged to be part of the RSL Soldiers 70th Anniversary Kokoda Trek with IAA & Adventure 1000
    2013 Nic awarded in Appreciation of 15 years dedication with IAA
    2014 Nic was a finalist for IAA Edge Platinum Quality Practice Award & Insurance Adviser of the Year
    2015 Nic was a finalist for IAA Edge Platinum Quality Practice & Insurance Adviser of the Year & was awarded the winner of IAA Edge Platinum Quality Practice Award
    2015 Nic was part of the IAA Mount Kilimanjaro Team who joined Walking Wounded on the Final Leg of the Tribute to the Anzacs & successfully made it to the top of Uhuru Peak, Tanzania (Africa's Highest Point - the worlds highest freestanding mountain 5895m AMSL)
    2016 Nic was part of the Chamberlain Foundations Chambo Challenge, walking 250klm over 5 days, from Bermagui to Mount Kosciusko raising awareness for those suffering with mental health issues and well needed funds for Lifeline Canberra

  • 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.

    Insurance Expertise

    Assisting clients with tailored comprehensive insurance solutions to enhance their business & protect their companies future.    

    LOCAL UNDERSTANDING. NATIONAL STRENGTH.

    Coastal Insurance Services Pty Ltd is proud to be an Authorised Representative of Insurance Advisernet, a network of more than 180 independent 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 Coastal Insurance Services 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

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    STRENGTH UNDER THE INSURANCE ADVISERNET BANNER.

    Coastal Insurance Services 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 Coastal Insurance Services 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.

    Learn more

    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.

    Learn more

    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.

    Learn more

    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.

    Learn more

    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

    Learn more

    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.

    Learn more

    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.

    Learn more

    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.

    Learn more

    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 the smallest earthmoving machine though to the largest fixed or mobile crane as examples. This product is designed to cover everything from the smallest of earthmoving machines though to the largest fixed or mobile cranes – and everything in between.

    Learn more

    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.

    Learn more

    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

    Want more information? Enquire here

    Contact Us

    Want to chat?

  • Nic Curkoski

    Nic Curkoski is a highly respected Insurance Adviser whom has enjoyed being a part of the General Insurance Industry since 1994.  Nic has been fortunate to be part of the Insurance Advisernet network (www.iaa.net.au) IAA since 1997 in her capacity as an Account Executive of Transcom Insurance Services & continued with IAA when commencing her own business Coastal Insurance Services in 2007.   Nic is extremely proud to be part of IAA - a company valued on family culture, caring and unwavering support.
     
    Nic understands that for many Business Insurance can be all too confusing & ends up being put into the too hard basket, becoming just another bill which is often not reviewed until after the event of a claim when it is too late. Nic aims to assist clients in taking the chore out of insurance and provides clients with service, advice & options tailored to their individual requirements to assist making decisions regarding insurance easier.
     
    Nic enjoys working with her clients for all their General Insurance needs and over the years Nic has developed a broad client base spanning across many industries such as Leisure Tourism & Entertainment, Gyms & Personal Trainers, Training Organisations, Breweries, Pubs, Hospitality, Marine, Property Owners, Retailers, Suppliers, Manufacturers, Commercial & Residential Strata, Civil Contractors including Demolition Contractors, Transport Operators, Crane Owners & Operators, Tradesman, Consultants, Retailers – this list is endless.  During this time many long standing relationships have been forged with not only her clients but also the insurers.  Nic looks forward to working with you – Give her a call!
     
    Nic is a strong believer that companies have a social responsibility to do their part to support others and is proud to help make a difference by supporting the local community and a number of worthy organisations such as IA Foundation, The Chamberlain Foundation and Walking Wounded.
     
    Achievements
    2009, Nic successfully completed the Excel Program
    2010, Nic was a finalist for Insurance Adviser of the Year with Insurance Advisernet
    2012 Nic was part of the IAA Kokoda Trek Team & was privelidged to be part of the RSL Soldiers 70th Anniversary Kokoda Trek with IAA & Adventure 1000
    2013 Nic awarded in Appreciation of 15 years dedication with IAA
    2014 Nic was a finalist for IAA Edge Platinum Quality Practice Award & Insurance Adviser of the Year
    2015 Nic was a finalist for IAA Edge Platinum Quality Practice & Insurance Adviser of the Year & was awarded the winner of IAA Edge Platinum Quality Practice Award
    2015 Nic was part of the IAA Mount Kilimanjaro Team who joined Walking Wounded on the Final Leg of the Tribute to the Anzacs & successfully made it to the top of Uhuru Peak, Tanzania (Africa's Highest Point - the worlds highest freestanding mountain 5895m AMSL)
    2016 Nic was part of the Chamberlain Foundations Chambo Challenge, walking 250klm over 5 days, from Bermagui to Mount Kosciusko raising awareness for those suffering with mental health issues and well needed funds for Lifeline Canberra

    Principal

    Authorised Rep. Number: 262134

    (02) 4294 4438

    0488 944 438

    Nic Curkoski is a highly respected Insurance Adviser whom has enjoyed being a part of the General Insurance Industry since 1994.  Nic has been fortunate to be part of the Insurance Advisernet network (www.iaa.net.au) IAA since 1997 in her capacity as an Account Executive of Transcom Insurance Services & continued with IAA when commencing her own business Coastal Insurance Services in 2007.   Nic is extremely proud to be part of IAA - a company valued on family culture, caring and unwavering support.
     
    Nic understands that for many Business Insurance can be all too confusing & ends up being put into the too hard basket, becoming just another bill which is often not reviewed until after the event of a claim when it is too late. Nic aims to assist clients in taking the chore out of insurance and provides clients with service, advice & options tailored to their individual requirements to assist making decisions regarding insurance easier.
     
    Nic enjoys working with her clients for all their General Insurance needs and over the years Nic has developed a broad client base spanning across many industries such as Leisure Tourism & Entertainment, Gyms & Personal Trainers, Training Organisations, Breweries, Pubs, Hospitality, Marine, Property Owners, Retailers, Suppliers, Manufacturers, Commercial & Residential Strata, Civil Contractors including Demolition Contractors, Transport Operators, Crane Owners & Operators, Tradesman, Consultants, Retailers – this list is endless.  During this time many long standing relationships have been forged with not only her clients but also the insurers.  Nic looks forward to working with you – Give her a call!
     
    Nic is a strong believer that companies have a social responsibility to do their part to support others and is proud to help make a difference by supporting the local community and a number of worthy organisations such as IA Foundation, The Chamberlain Foundation and Walking Wounded.
     
    Achievements
    2009, Nic successfully completed the Excel Program
    2010, Nic was a finalist for Insurance Adviser of the Year with Insurance Advisernet
    2012 Nic was part of the IAA Kokoda Trek Team & was privelidged to be part of the RSL Soldiers 70th Anniversary Kokoda Trek with IAA & Adventure 1000
    2013 Nic awarded in Appreciation of 15 years dedication with IAA
    2014 Nic was a finalist for IAA Edge Platinum Quality Practice Award & Insurance Adviser of the Year
    2015 Nic was a finalist for IAA Edge Platinum Quality Practice & Insurance Adviser of the Year & was awarded the winner of IAA Edge Platinum Quality Practice Award
    2015 Nic was part of the IAA Mount Kilimanjaro Team who joined Walking Wounded on the Final Leg of the Tribute to the Anzacs & successfully made it to the top of Uhuru Peak, Tanzania (Africa's Highest Point - the worlds highest freestanding mountain 5895m AMSL)
    2016 Nic was part of the Chamberlain Foundations Chambo Challenge, walking 250klm over 5 days, from Bermagui to Mount Kosciusko raising awareness for those suffering with mental health issues and well needed funds for Lifeline Canberra

  • Unit 11, Helensburgh Business Park, 17 Cemetery Road

    Helensburgh NSW 2508

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    Testimonials

    I had the pleasure of meeting Nic Curkoski from Insurance Advisernet Australia, - Coastal Insurance Services 3 years ago. At the time we were a small beer brewing company with a small pub attached. Today our sales have increased 6 times during that period and simply we would not have been able to do it without the help of our broker Nic Curkoski. She has been able to provide business, employee, director, travel, building and content insurances advice to our growing business within a new environment where some insurance companies had no idea about the type of manufacturing business we were in. Like many businesses in April 2015 one of our premises incurred Storm damaged, this is where we really were able to see the effectiveness of our Insurance Coverage and we were pleased with the infailable claims process overseen by Nic which ensured little interruption to our business operations. She is the most hardworking and diligent insurance broker I have ever met. She ably did all the leg work for our brewery build project offering advice far beyond our expectations and time and again solved small problems with our insurances that could have become extreme. We thoroughly recommend her services. She has always been just a phone call away and always happy to answer any of our hard questions.
    Simon Osborne
    Director, Sydney Rocks Brewing Company Pty Ltd
    We have been using Nic Curkoski of Coastal Insurance Services Representative of Insurance Advisernet for a number of years now and have found the service and products delivered to be outstanding. The knowledge and assistance provided by Nic and the team has ensured that our business now has best-fit insurance cover tailored to our specific business requirements.  Nic understands our business and has been available to help with any additional advice or requirements as we need them. I would recommend Coastal Insurance Services to other businesses looking for great service and tailored advice. 
    Adam Fagerstrom
    Head of Finance, 12WBT
    We have been using Coastal Insurance Services for the past 8 years. Nicole makes it a priority to understand your business completely.  Her knowledge is extensive and she always provides professional, prompt, and thorough advice at all times.  We would highly recommend Coastal Insurance Services for any of your insurance needs.
    Royce and Julianne Clark
    Director, Tri Clark Brothers
    We have been a client of Nic Curkoski of Coastal Insurance Services Authorised Representative of Insurance Advisement for 8 years. During this time we have found Nic to be extremely friendly with a very high level of service and professionalism. When it comes to insurance, it is important that our broker has a strong understanding of our business from both a risk and insurance perspective and Nic has demonstrated this with excellent personal attention and customer service. We would have no hesitation in highly recommending Nic for all your insurance needs.
    Jessie and Sarah Macchione
    C&S Excavations

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