Products & Services

Cover That Fits Your World

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

Independent Advice Across All Lines

As an independent broker, we're not tied to any single insurer or product suite. That means we can search the market on your behalf and recommend cover that genuinely matches your risk profile — whether you're a sole trader, a growing business, or an individual looking to protect what you've built.

What We Place

Our Insurance Products

01

Business Insurance

Comprehensive protection for your business assets, revenue, and operations. We tailor packages to your industry — covering property, business interruption, theft, glass, and more under a single policy.

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

Professional Indemnity

Essential cover for professionals who provide advice, services, or expertise. Protects 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

Covers 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

Protects 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 covers data breaches, ransomware, business interruption from cyber events, and regulatory response costs.

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

Personal Lines

We also assist individuals and families with personal insurance needs — reviewing existing policies, identifying gaps, and placing cover that reflects your actual circumstances.

  • Home & Contents
  • Landlord Insurance
  • Motor Vehicle

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

Market Search

We approach the market on your behalf, comparing options across multiple insurers to find the best fit for your 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 market changes, 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

Independent insurance brokers dedicated to protecting what matters most to you and your business. Personalised advice, tailored coverage.

Our Services

  • Business Insurance
  • Professional Indemnity
  • Public Liability
  • Management Liability
  • Cyber Insurance
  • Personal Lines

Authorised Representative of

NeedCover Group Pty Ltd

ABN: 28 005 729 831  |  AFSL No: 239911

Licensee Address

Unit 4, 192 Evans Road, Salisbury QLD 4107

1300 606 888 | [email protected]

© 2026 Fontaine Risk Advisory. All rights reserved.

Fontaine Risk Advisory is an Authorised Representative of NeedCover Group Pty Ltd (AFSL 239911). General advice only — please consider your personal circumstances before acting on any information provided.