Business insurance can feel like a set-and-forget cost. But if your cover hasn’t been reviewed lately, you might be paying too much – or worse, not covered where it counts.

At Ideal Insurance Brokers, we don’t just hit “compare” and send you quotes. We dig into the details of your operations to build a policy that actually fits.

Our Approach: The Risk Alignment Method

We tailor your insurance based on how your business really runs:

✅ We review your current policy for missing or duplicate cover

✅ We align your insurance with your current business risks

✅ We compare options across top insurers to find the best value

Jessica’s Business Insurance Was Outdated – And Costing Her Too Much

Jessica owned a small retail and warehousing business. She was paying $1,950/month for a “comprehensive” policy she’d held for years.

Here’s what we found:

• Her cover included multiple locations, but she had downsized to just one

• She was still paying for machinery breakdown cover, which she no longer needed

• Her business interruption insurance had excessive limits far above her actual turnover

• There were no automatic seasonal stock increases, which left her underinsured during peak periods

We restructured the policy to reflect her actual setup. We removed unnecessary extras and added protections where it mattered. After comparing insurers and negotiating better rates, we brought her premium down to $1,320/month.

That’s a saving of $630/month – or $7,560/year – for coverage that finally made sense for her business.

Let’s Check Your Cover – No Strings Attached

If it’s been more than a year since your last review, you could be overpaying or exposed. Click below and get a personalized review in just 58 seconds.

Find out what your Business Insurance should really cost today: