Practical cover and counsel for Australian businesses.
FOS Insurance Group Pty Ltd helps business owners across Melbourne and wider Victoria arrange the right insurance, manage risk with confidence, and make better-informed commercial decisions — with straight talking and no jargon.
What we do
From sourcing competitive cover to advising on risk and business structure, we work as a long-term partner rather than a one-off transaction.
01 — Broking
Business Insurance Broking
Public liability, professional indemnity, commercial property and tailored packages — sourced and compared on your behalf.
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02 — Consulting
Business & Risk Consulting
Independent advice on risk exposure, contracts and compliance so your cover matches how your business actually operates.
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03 — Claims
Claims & Renewal Support
Hands-on advocacy when you need it most, plus annual policy reviews to keep your cover current as your business grows.
Learn more →Advice you can act on, not paperwork you have to decode.
We keep the process simple: one point of contact, plain-language recommendations, and cover explained before you sign. Our team combines insurance broking with broader business consulting experience, so recommendations consider your whole operation — not just the premium.
Where we work
Based in Melbourne VIC, we serve businesses across the metropolitan area and greater Victoria. Remote and regional clients are welcome — most of our work happens online and by email.
What clients say
Feedback from businesses we've supported with cover, claims and consulting.
Ready to review your cover?
Send us the details and we'll come back with clear options and honest guidance — no obligation, no pressure.