About Us
Insurance Advice You Can Trust
We're an independent brokerage built on relationships, not transactions. Our job is to understand your world and make sure you're properly protected in it.
Our Story
Built on a Belief That Clients Deserve Better
James Fontaine founded Fontaine Risk Advisory with a simple belief: business owners deserve an adviser who takes the time to understand their business, challenges their risks, and advocates for them when it matters most.
Beginning his career in banking and insurance in the UK in 2009, James has built more than 15 years of experience across commercial banking, underwriting, and insurance broking. Since moving to Australia, he has worked closely with businesses across construction, manufacturing, accommodation, professional services and trade industries, helping them protect what they've built while supporting their growth.
James believes insurance should be more than an annual renewal. His approach is centred on building long-term relationships, providing strategic advice, and ensuring clients understand not just what they're insured for, but why. Whether negotiating with insurers, assisting with complex claims, or identifying emerging risks, James is committed to delivering practical advice and exceptional service at every stage.
What We Stand For
Our Values
Independence
We're not tied to any insurer. Our recommendations are based entirely on what's right for you — full stop.
Clarity
Insurance can be complex. We make it understandable — no jargon, no fine print surprises, just clear advice.
Accountability
We stand behind our advice. When you need to make a claim, we're in your corner from start to finish.
Relationships
We're a boutique practice. You'll always speak to someone who knows your situation and your history.
The Team
People Who Put Clients First
Our team brings together decades of experience across commercial and personal lines insurance. We're small by design — because that's how we deliver the level of service our clients deserve.
James Fontaine
Director & Founder
Insurance Broker | Authorised Representative
James began his career in banking and insurance in the UK in 2009, building a strong foundation across both disciplines before relocating to Australia in 2015. After years working within the Australian insurance market, James founded Fontaine Risk Advisory with a clear purpose: to provide clients with genuinely independent advice and a higher standard of risk guidance than the larger brokerages typically offer. His international background and hands-on industry experience give him a distinctive perspective — one that's practical, client-focused, and built on long-term relationships.
Let's have a conversation
Whether you're reviewing existing cover or starting from scratch, we'd love to hear from you.
Get in Touch