FOS Insurance Group Pty Ltd delivers practical, professional insurance broking and business risk services to organisations across Melbourne VIC and greater Australia. Every engagement starts with listening, and finishes with solutions that genuinely fit.
We source and structure commercial insurance programs on your behalf, comparing options across a broad panel of insurers. From public liability and property through to professional indemnity, we negotiate terms that reflect your actual risk profile — not a generic template.
Our advisory team conducts structured risk reviews of your operations, identifying exposures you may not have considered — including contractual liabilities, business interruption and supply chain vulnerabilities. You receive a clear, prioritised report with practical recommendations.
With cyber threats growing across every industry, we help businesses of all sizes understand their digital exposure. We arrange cyber insurance cover, explain policy wording in plain English, and advise on risk controls that insurers increasingly expect to see.
When a loss occurs, you need an advocate — not a call centre. We manage the claims process end to end: lodging, negotiating with insurers, coordinating assessments and chasing outcomes, so you can focus on running your business while we handle the paperwork.
Insurance should never be set and forget. We review your existing policies annually, checking for cover gaps, outdated sums insured and premium creep. Ahead of each renewal we present options in a side-by-side comparison, so decisions are made with full clarity.
Many contracts impose insurance obligations on your business. We review lease agreements, supplier contracts and tender documents for indemnity and insurance clauses, advising on whether your current cover meets those requirements — before issues arise.
We begin with a no-obligation conversation about your business, your current arrangements and your concerns. This can be held at your premises in Melbourne VIC or virtually.
We document your exposures, review existing policies and identify gaps or overlaps. Nothing is assumed — everything is checked against your real operations.
We prepare a professional submission and approach insurers on your behalf, negotiating pricing, terms and conditions with your interests front and centre.
You receive clear recommendations in plain English, with options explained honestly. Once you decide, we handle all placement and documentation.
Our relationship doesn't end at renewal. We stay in touch year-round, review your cover as your business changes, and stand beside you if a claim ever occurs.
As a Melbourne VIC-based professional services firm, we combine local knowledge with national insurer relationships. You deal directly with experienced advisers who know your file — no queues, no scripts.
Request an obligation-free quote or send us your current policies for a complimentary review. We respond to every enquiry promptly.