Fontaine Risk Advisory

Products & Services

Cover That Fits Your Business

We work across a broad range of commercial insurance products — finding the right fit for your business, not just the easiest option.

Personal Advice Across Commercial Lines

As a broker, we search for available products on your behalf and recommend cover that genuinely matches your risk profile — whether you're a sole trader, a growing SME, or an established business looking to protect what you've built.

What We Place

Insurance Products

01

Business Insurance

Is designed to provide comprehensive protection for your business assets, revenue, and operations. We tailor packages to your industry — including property, business interruption, theft, glass, and more under a single policy.

  • Property & Contents
  • Business Interruption
  • Theft & Money
  • Glass & Signage
02

Professional Indemnity

Cover designed for professionals who provide advice, services, or expertise. Can provide cover for you against claims of negligence, errors, or omissions that result in financial loss for a client.

  • Consultants & Advisers
  • IT Professionals
  • Engineers & Architects
  • Healthcare Practitioners
03

Public & Product Liability

Is designed to cover your legal liability for injury to third parties or damage to their property arising from your business activities or the products you supply.

  • Trades & Contractors
  • Retailers & Manufacturers
  • Events & Hospitality
  • Service Businesses
04

Management Liability

May provide protection for company directors, officers, and the business itself against claims arising from the management of the company — including employment practices, statutory liability, and crime.

  • Directors & Officers
  • Employment Practices
  • Statutory Liability
  • Corporate Crime
05

Cyber Insurance

As cyber threats grow, so does the exposure for businesses of all sizes. Cyber insurance is designed to assist with things like data breaches, ransomware, business interruption from cyber events, and regulatory response costs.

  • Data Breach Response
  • Ransomware & Extortion
  • Cyber Business Interruption
  • Regulatory Fines
06

Construction & Contract Works

Specialist cover for builders, developers, and contractors. We place policies that may protect you against damage to works in progress, third-party liability, and the unique risks that come with construction projects.

  • Contract Works
  • Construction Liability
  • Plant & Equipment
  • Builders Warranty

*Subject to policy terms, conditions and exclusions. Examples of who products may assist provided above are indicative only and do not constitute a definitive list.

How It Works

Our Broking Process

01

Discovery

We start by understanding your business, your risks, and what you're trying to protect. No assumptions — just a proper conversation.

02

Product Search

We approach a range of insurers on your behalf, comparing coverage, pricing and policy terms to identify the option that best suits your business, risk profile and budget.

03

Clear Recommendation

We present our recommendation in plain language — what it covers, what it doesn't, and why we think it's right for you.

04

Ongoing Support

We review your cover annually, keep you informed of changes across available products, and stand beside you if you ever need to make a claim.

Not sure what cover you need?

That's exactly what we're here for. Get in touch and we'll work through it together.

Book a Free Consultation
Fontaine Risk Advisory

Specialist insurance brokers dedicated to protecting your business.

0481 970 835

[email protected]

ABN 94 700 917 040

Our Services

  • Business Insurance
  • Professional Indemnity
  • Public Liability
  • Management Liability
  • Cyber Insurance
  • Construction & Contract Works

© 2026 Fontaine Risk Advisory. All rights reserved.

Financial Services Guide (FSG)

Information on this website is considered General Advice and is provided for information purposes only — please consider your personal circumstances before acting on any information provided.

Fontaine Risk Advisory Pty Ltd ABN 94 700 917 040 is a Corporate Authorised Representative (AR No. 1322742) of NeedCover Group Pty Ltd (ABN 28 005 729 831, AFSL 239911), which is responsible for any financial services provided through, or referred to on, this website.

Any information on this website is of a general nature only. It has been prepared without taking into account your objectives, financial situation or needs. Before acting on any information, you should consider its appropriateness having regard to your own objectives, financial situation and needs, and obtain and read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD) before deciding whether to acquire, vary or dispose of a financial product.

Our Financial Services Guide contains important information about the financial services we provide, how we and our representatives are remunerated, our internal and external dispute resolution arrangements and how to access them, and the arrangements in place to compensate clients for losses. A copy is available from our website footer and on request, and should be read before you decide to use any of our services.

We are not independent, impartial or unbiased for the purposes of section 923A of the Corporations Act 2001 (Cth). This is because we or NeedCover Group Pty Ltd may receive remuneration, commission, gifts or other benefits when we provide personal advice on insurance and other financial products; may be subject to direct or indirect restrictions relating to the products on which that advice is given; and may have associations or relationships with the issuers of those products. Further information is set out in our Financial Services Guide.

NeedCover Group Pty Ltd is a Steadfast Group Limited (Steadfast) Network Broker. Through that membership it has access to member services including product comparison and placement support, claims support, technical, legal and contractual liability advice, and group purchasing arrangements. Steadfast has arrangements with some insurers and premium funders under which those partners may pay Steadfast a fee, and Steadfast is a shareholder of some of them. A copy of Steadfast's FSG is available at steadfast.com.au.

To the maximum extent permitted by law, NeedCover Group Pty Ltd and their respective directors, officers, employees, authorised representatives and related bodies corporate exclude all liability for any loss, cost, expense or damage (whether direct, indirect, consequential or otherwise) suffered by any person arising out of, or in connection with, the use of, or reliance on, the content of this website, except to the extent any such loss, cost, expense or damage is directly caused by negligence, fraud or wilful misconduct. Nothing in this disclaimer is intended to exclude, restrict or modify any rights you may have under the Australian Consumer Law or the Corporations Act 2001 (Cth) that cannot be excluded, restricted or modified by agreement.

No statement on this website constitutes an offer to issue, or arrange the issue of, a contract of insurance. All references to cover, terms, limits and pricing are indicative only and are subject to underwriting acceptance and the terms, conditions, exclusions and limits of the relevant policy. Use of this website is governed by our Website Terms and Conditions and our Privacy Policy.