Frequently Asked Questions

Using a broker gives you access to a broader range of insurance coverage, personalised service, and expert advice tailored to the risk profile of your business. Brokers also advocate for you at claim time challenging the insurer so you can get back to business.

While your policy will be annual, OXINS offer premium funding options, which allow you to spread your insurance costs over manageable monthly instalments to help with cash flow management. Keep in mind, these have interest rates and application fees applicable.

Not necessarily. OXINS has access to a multitude of Insurers that are not available directly to business owners and are often able to negotiate premiums. We also structure policies that avoid unnecessary costs. Our ability to tailor cover means you pay for what you need—not what you don’t.

An insurance broker can assess your operations, identify exposures, and recommend appropriate cover to ensure you’re adequately protected without being over or under insured. Businesses evolve and so should your Insurance Program – If your broker just sends an invoice to year each year, contact OXINS for a free review.

Absolutely. A key benefit of using a broker is claims advocacy. Your broker will help prepare, lodge, and negotiate your claim with the insurer—so you’re not going it alone. The team at OXINS prides itself on the experience in managing claims

Yes. Brokers typically have access to a panel of local and international insurers, including specialist markets that aren’t available to the general public. At OXINS we have access to over 400 insurers.

Yes. From startups to large corporations, brokers work with businesses of all sizes, offering scalable solutions that align with your growth and risk profile. OXINS prides itself in having worked with businesses of all sizes allowing us to strategically address your concerns, weather its premium, coverage, risk retention or a combination of all three.

It’s best to review your insurance at least annually or whenever there’s a significant change in your business. A proactive broker will usually prompt these conversations. At OXINS, we set out clear service standards for each year. If once a year you receive an invoice, then its time to speak to OXINS 

Yes, you can switch insurance providers through our service—and we make the process easy. Whether you’re looking for better cover, lower premiums, or simply more responsive service, OXINS can help you review your current policy, identify any gaps or overlaps, and source competitive alternatives.

Yes, we specialise in arranging insurance for high-risk businesses. Whether you operate in a hazardous industry, have a complex claims history, or require specialist cover that standard insurers won’t touch, we are happy to review.

At OXINS, we have access to a wide network of local and international insurers, including specialist underwriters who cater to high-risk sectors. We take the time to understand your operations, assess your risk profile, and structure a solution that offers genuine protection.

If your business has been declined cover before—or if you’re unsure what insurers consider “high risk”—get in touch with us. We’ll help you find a solution where others can’t.

Simply give the team at OXINS a call or send us an email—we’ll guide you through the process and take the time to understand your business. We make insurance simple, so you can focus on what matters most.

Yes—your information is safe with OXINS. We take data security and confidentiality seriously, adhering to all relevant privacy laws and professional standards. Acting as an Authorised Representative of a licensed insurance broker, we are required to protect your personal and business information at every stage of the process.

While it’s technically possible to change insurance providers during your policy period, we generally don’t recommend cancelling mid-term. Insurance contracts are typically arranged on an annual basis, and early cancellation can result in retained fees or commission, which may leave you in a worse financial position.

However, you can switch insurance brokers at any time, even while your current policy is active. This allows a new broker—like OXINS—to take over the management of your insurance program, handle servicing, review your cover, make mid-term coverage changes, and prepare a better solution for your next renewal.

Want a second opinion on your current cover? Contact us to find out how we can step in and support you without disrupting your existing policy.