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About Us

Insurance can be confusing. At Total Risk 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.

  • Miguel Rodriguez

    Miguel has over 25 years of insurance broking experience and has worked at some of the world’s leading international broking houses; he understands that service and advice are an integral part of the insurance packages that we offer.
    During his career, Miguel has been involved in developing specialized products / schemes in:
    •    Hospitality Hotels/ Nightclubs and Restaurants
    •    Medical
    •    Finance Industry
    •    Property Development
    •    Trades
    •    Entertainment-Go Kart Tracks

    Hence Miguel’s developed skills to obtain the right wordings for client’s requirements. He has worked in design; marketing and placement of commercial and corporate tailored insurance solutions.
Miguel is self-motivated, enthusiastic leader focused on delivering comprehensive solutions.

    IAA West End believes in becoming part of your business to assist in your growth, Offering professional friendly service and monthly payment options.

    Principal

    AR No. 386855

    (07) 3807 4100

    0414 836 280

    Miguel has over 25 years of insurance broking experience and has worked at some of the world’s leading international broking houses; he understands that service and advice are an integral part of the insurance packages that we offer.
    During his career, Miguel has been involved in developing specialized products / schemes in:
    •    Hospitality Hotels/ Nightclubs and Restaurants
    •    Medical
    •    Finance Industry
    •    Property Development
    •    Trades
    •    Entertainment-Go Kart Tracks

    Hence Miguel’s developed skills to obtain the right wordings for client’s requirements. He has worked in design; marketing and placement of commercial and corporate tailored insurance solutions.
Miguel is self-motivated, enthusiastic leader focused on delivering comprehensive solutions.

    IAA West End believes in becoming part of your business to assist in your growth, Offering professional friendly service and monthly payment options.

  • Karli Aylward

    Karli has been big part of our team now for five years in assistance our hospitably clients, 

    With Karli’s previous works in managing Hotels for over 9 years, she totally understands our client industry issues and needs.

    She has completed, Tier 2 and continuing to learn to assist our clients, with professionalism and great customer service.

    AR No. 431796

    (07) 3807 4100

    Karli has been big part of our team now for five years in assistance our hospitably clients, 

    With Karli’s previous works in managing Hotels for over 9 years, she totally understands our client industry issues and needs.

    She has completed, Tier 2 and continuing to learn to assist our clients, with professionalism and great customer service.

  • Anthony Johnson

    AR No. 238612

    (07) 3807 4100

    0412 530 646

  • Kylie Greenham

    AR No. 368311

    0490 052 407

  • 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

    Total Risk Insurance is an Authorised Representative of Insurance Advisernet, one of Australasia's biggest General Insurance Brokers. Being an Insurance Adviser Beenleigh 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 Hospitality Insurance and SME Business Pack Insurance as well as a broad range of insurance products.

    Hospitality Insurance

    Regardless of the size of your hospitality business, there are a variety of insurances that will protect your business in the situation that accidents occur in the workplace. There are a range of insurance options for your hospitality business such as general liability, theft, product liability, worker’s compensation, property contents, equipment breakdown, deterioration of stock and business interruptions. General liability is a policy that will insure your business if a customer has been injured or harmed at your place of business and will compensate medical bills amongst others. Theft insurance covers theft of items, monetary theft and employee dishonesty that occur in the business. Product liability insurance provides protection against any claims legal or otherwise that a customer makes against the business. Property contents insurance will financially cover your business from any natural damage due to hail, flooding etc. that may occur and temporarily disrupt the regular business flow. Equipment breakdown insurance will cover the financial cost of repairing or replacing any damaged equipment that is crucial to the business, such as refrigerators. In addition, deterioration of stock insurance insures food products in the instance of unexpected spoilage due to equipment breakdown. Hospitality businesses have unique business insurance requirements, without having this policy it could lead to severe financial losses for the business both in the long and short term.

    SME Business Pack Insurance

    Owning a small to medium sized business (SMEs) poses unique risks and responsibilities to larger businesses. As a result, it is important to protect your business with specialised small to medium size business insurance or SME insurance. The most common insurance overs for an SME include public liability, professional indemnity and business interruption insurance. Whilst some types of cover are more suited to some industries than others, any SME can benefit from all or a combination of the above. Public liability insurance provides your business protection from any third-party injuries that occur on your premises, compensating medical or hospital bills that are incurred for injury treatment. In addition to financial protection, public liability also provides legal representation should legal claims be made against your business due to the injury caused. Professional indemnity is a type of insurance that is popularly used by service industries as it provides financial and legal protection against claims of malpractice, negligence or breach of duty against your business. SMEs are generally operated by their owners and should a personal or professional matter arise where the owner cannot work and must temporarily close the business, business interruption insurance becomes invaluable. This form of cover provides protection for any financial losses that may occur as a result of business closure, compensating owner income. When protecting your SME, consider the unique risks that are posed in order to correctly and sufficiently invest in the most comprehensive small to medium sized insurance plan available.

    LOCAL UNDERSTANDING. NATIONAL STRENGTH.

    Total Risk Insurance 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 Total Risk Insurance 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.

    Total Risk Insurance 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 Total Risk Insurance 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 everything from the smallest of earthmoving machines through 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

    Superior Life Insurance you can trust. It's Quick and Smart.

    FIND OUT MORE & GET A QUOTE

    GET THE APP!

    Insurance Advisernet is pleased to be able to provide you with an app on your smartphone that provides you with some neat features to make managing some of your insurance life a little bit easier. Among other things, the app allows you to:

    Easily look up your adviser's details, or their other staff
    Request a call back or a certificate of currency easily
    If you have a claim, there are inbuilt claims forms, with photo evidence, that can be submitted to your adviser with a click
    We also provide easy access to some emergency services should you need assistance urgently
    In the not too distant future, the app will also link off to our client portal, which will give you the power of self-serve functionality for your insurance policies held with Insurance Advisernet
    The app caters for around 150 IA businesses around the country. In order to tailor the contacts in the app to your adviser, you will need this 3 digit branch code:
    455

    Click your preferred provider to get the app!

    Contact Us

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  • Miguel Rodriguez

    Miguel has over 25 years of insurance broking experience and has worked at some of the world’s leading international broking houses; he understands that service and advice are an integral part of the insurance packages that we offer.
    During his career, Miguel has been involved in developing specialized products / schemes in:
    •    Hospitality Hotels/ Nightclubs and Restaurants
    •    Medical
    •    Finance Industry
    •    Property Development
    •    Trades
    •    Entertainment-Go Kart Tracks

    Hence Miguel’s developed skills to obtain the right wordings for client’s requirements. He has worked in design; marketing and placement of commercial and corporate tailored insurance solutions.
Miguel is self-motivated, enthusiastic leader focused on delivering comprehensive solutions.

    IAA West End believes in becoming part of your business to assist in your growth, Offering professional friendly service and monthly payment options.

    Principal

    AR No. 386855

    (07) 3807 4100

    0414 836 280

    Miguel has over 25 years of insurance broking experience and has worked at some of the world’s leading international broking houses; he understands that service and advice are an integral part of the insurance packages that we offer.
    During his career, Miguel has been involved in developing specialized products / schemes in:
    •    Hospitality Hotels/ Nightclubs and Restaurants
    •    Medical
    •    Finance Industry
    •    Property Development
    •    Trades
    •    Entertainment-Go Kart Tracks

    Hence Miguel’s developed skills to obtain the right wordings for client’s requirements. He has worked in design; marketing and placement of commercial and corporate tailored insurance solutions.
Miguel is self-motivated, enthusiastic leader focused on delivering comprehensive solutions.

    IAA West End believes in becoming part of your business to assist in your growth, Offering professional friendly service and monthly payment options.

  • 12 Charles Street,  

    Beenleigh QLD 4207

    Prefer us to contact you? Not a problem!

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    Thank you for contacting Total Risk Insurance! Your message has been sent successfully. One of our skilled Advisers will be in touch with you shortly.
    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

    Testimonials

    It has been my privilege to know and act for Miguel in excess of at least 15 years. In all of my dealings with Miguel I found that his approach to any problem is most appropriate to the circumstances though at all times professional. Likewise, the advice provided by him on issue relating to insurance brokerage and in particular the hospitality industry is accurate, reasoned and correctly based. At all times he has placed the interested of his client as a matter of paramount importance. A client could not ask for more. Once again, I say it is an honor to provide this advice and I am to expand upon the same if requested.
    Dennis Boucher
    Olsen Lawyers

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