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0422 397 543

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Coburg, VIC

Melbourne’s Trusted Business Insurance Advisers

Safeguard your business with tailored business insurance advice designed for Australian companies. Our expert team helps you protect your business against unexpected events and key personnel risks. Secure your free, no-obligation consultation today—limited spots available!

Trusted by Australians for their insurance needs

Geoff
Adviser Ratings
Will Helped me with a change of of my life insurance policy I found him to be very helpful and full of advice, he called back constantly to advise and steer me in the right direction I highly recommend his services, knowledge and advice to anybody. Many thanks Will.
Matthew
Adviser Ratings
Will was very professional and easy to understand. He took the time to learn about my situation and offer the most relevant service and path forward.
Kim
Adviser Ratings
I feel confident with Wills advice and the way he has explained it all to us makes it so easy. I hope to do business with Will for many years to come... Thank you Will !
Victoria
Adviser Ratings
It was a pleasure to meet Will, I would certainly recommend chatting to Will about a financially secure future.

Limited availability. 

Could Your Business Survive the Unexpected?

Every business faces unforeseen events that can disrupt operations and jeopardise financial stability. Without the right insurance strategy, unexpected challenges—whether it’s debt, operational interruptions, loss of key people, or leadership gaps—can threaten your company’s future.

Keeping Operations Running

What happens to your fixed expenses—like rent, salaries, and utilities—if you or a vital team member can’t work? Robust insurance ensures continuity even during tough times.

Managing Business Debt

Could your business afford to repay outstanding loans or obligations if a key owner or shareholder were suddenly unable to work? Without a plan, personal assets and company revenue could be at risk.

Protecting Partners & Families

If a business owner passes away, are the families and co-owners protected? The right cover ensures a smooth transition of ownership while providing financial security.

Ensuring Business Continuity

Can your business thrive without its key decision-makers? Strategic coverage fills leadership gaps, safeguarding your company’s long-term success.

Tailored Business Insurance for Every Risk

Protect your company with customised insurance solutions designed to address every potential risk. Our expert advisers based in Melbourne, Australia will help you choose the right cover, so you can focus on growth without worry.

Buy/Sell Insurance

Buy/Sell Insurance – Protect Ownership & Succession

If a partner is suddenly unable to contribute due to illness, injury, or death, this cover funds a buyout to ensure a smooth change in ownership.

Business Expense Insurance Cover

Business Expense Cover – Keep Your Business Running

Cover your fixed costs such as rent, salaries, and utilities, if you’re unable to work due to health issues, which helps to ensure uninterrupted operations.

Key Person Insurance

Key Person – Safeguard Critical Talent

Losing a key executive or specialist can disrupt your revenue stream. This cover helps mitigate the financial impact by providing a safety net.

Debt Guarantor Protection

Debt Guarantor Protection – Secure Your Liabilities

Ensure that, in the event of an owner’s inability to work, your business loans and guarantees remain covered, protecting your assets from unnecessary strain.

Availability is limited.

Why Choose Dumont Wealth?

At Dumont Wealth, we specialise in crafting tailored commercial insurance solutions that protect your company’s future. Our commitment to transparency, expertise, and personalised service sets us apart.

Tailored Coverage

Tailored Coverage

We compare a broad range of insurers to find a solution that perfectly fits your unique business needs and financial situation.

Planning Paper

Accurate Planning

Our detailed assessments ensure you have the exact amount of cover necessary to protect your business without paying for unnecessary extras.

Insurance Research

Expert Research

Our advisers conduct thorough market research, so you benefit from policies that address every potential risk with clarity and precision.

Fast Pre-Assessment

Fast Pre-Assessment

Utilise our online questionnaire for a quick, confidential pre-assessment that streamlines the application process and identifies the best terms for your business.

Insurance Claims Assistance

Claims Assistance

When the unexpected occurs, our dedicated team guides you through the entire claims process, ensuring you receive your entitled benefits with minimal hassle and maximum support.

Ongoing Insurance Review

Ongoing Reviews

Your business evolves—and so should your insurance. We conduct regular policy reviews to adjust your coverage as your needs change, ensuring continuous protection and financial stability.

Insurance Tax Strategy

Tax Strategy

Navigating the tax implications of business insurance can be complex. Our advisers offer expert guidance to structure your policy in a tax-efficient way that aligns with your broader financial goals.

Integrated Insurance Approach

Integrated Approach

Insurance is just one piece of the puzzle. We seamlessly integrate your cover with your overall financial strategy—combining risk management, succession planning, and business continuity for comprehensive protection.

Unlock tailored business insurance options in just three simple steps. Our quick pre-assessment tool is proven to convert prospects into clients by providing personalised insights that put you on the fast track to protecting your business.

Answer a few essential questions about your health and business needs. This brief survey helps us understand your unique situation and lays the groundwork for receiving the best offers available.

Step 2: Receive Tailored Insurer Offers

We anonymously submit your details to leading insurers who then respond with exclusive offers designed specifically for you. No impact on your future applications—just clear, competitive options.

Your personalised results are reviewed by our expert advisers. We then walk you through your best options, helping you make a strategic, informed decision that aligns with your goals.

Questions

Business Insurance Concerns & How to Overcome Them

We understand that choosing the right commercial insurance can be daunting. Here’s how we address the most common concerns:

1. Budget Friendly Solutions

Worried about cost? Our tailored recommendations ensure you secure quality cover that meets your needs without straining your budget.

2. Clear Eligibility Guidance

Not sure if you qualify? Our free pre-assessment clarifies your options, so you know exactly where you stand—without affecting your future applications.

3. Simplified Process

Feeling overwhelmed by complexity? Our expert advisers streamline every step, making the entire process straightforward and stress-free.

Business Insurance Advisers Melbourne

Speak with an Adviser today

Securing the right business insurance doesn’t have to be complicated. Our expert advisers based in Melbourne will guide you through the process, answer your questions, and help you find the best cover for your needs. Request a free, no-obligation callback today and take the first step toward protecting your business.

We provide advice to a variety of locations across Melbourne and Australia in general.

Availability is limited – book your free consultation while spots last.

Business Insurance FAQs - Everything you need to Know

Choosing the right business insurance can feel complex, but we’re here to simplify the process. Below, we’ve answered the most common questions about business insurance, covering costs, the application process, eligibility, tax considerations, and more.

Our business insurance advice is typically free. We earn commissions from insurers when you secure a policy. In rare cases, if extensive work is completed and cover isn’t secured due to non-disclosure, a fee may be applied to cover our time and research. Our goal is to provide transparent and quality business insurance advice.

Our process is clear and efficient:

  • Initial Consultation (10 minutes): A no-obligation phone call to discuss your needs.
  • Pre-Assessment: Complete a simple questionnaire to determine eligibility.
  • Discovery Session (60–90 minutes): A deep dive into your commercial insurance needs and goals.
  • Strategy Review (30 minutes): Presentation of a tailored insurance strategy.
  • Final Recommendations & Implementation (60–90 minutes): Detailed business insurance advice, followed by formal documentation to secure your commercial cover.

From the initial consultation to final implementation, the process usually takes three to four weeks. Timelines vary based on complexity and business insurer requirements, but we aim to make the journey as smooth as possible.

Full and accurate disclosure is essential. You must share all relevant health details, lifestyle factors, and business financials to ensure your policy is issued correctly and claims can be processed without issues.

Yes, tax considerations play a role in structuring your insurance. Depending on your ownership structure, some premiums may be tax-deductible, while certain claims might incur tax liabilities. Our advisers will guide you through the best tax-efficient strategies for your business.

We specialise in:

  • Buy/Sell Insurance: Protects ownership transitions.
  • Business Expense Cover: Maintains operations during unexpected absences.
  • Key Person Insurance: Secures financial stability when vital staff are unavailable.
  • Debt Guarantor Protection: Ensures business liabilities remain covered.

Buy/Sell Insurance protects your business by providing funds to buy out a partner’s share if they become permanently disabled or pass away. This ensures a smooth transition and maintains stability in ownership—critical for long-term business success.

Key Person Insurance covers the financial impact when a vital team member becomes unavailable due to illness, injury, or death. This coverage helps bridge the gap by offsetting lost revenue, covering recruitment expenses, and supporting the business during transitional periods.

Business Expense Cover ensures that fixed operating costs—such as rent, salaries, utilities, and loan repayments—continue to be paid if you’re unable to work due to a health-related event. This keeps your business running smoothly even during challenging times.

Yes, it is possible to obtain business insurance if you have pre-existing conditions. However, your options and terms may vary based on the severity of your condition. Insurers might offer standard cover, apply loadings (resulting in higher premiums), or exclude certain conditions. Our pre-assessment process helps identify the best possible terms for your unique situation.

As your business grows, your insurance needs may change. You can update your policy by scheduling a review with our advisers. This ensures that your coverage remains aligned with your current financial status, business structure, and risk exposure. Regular reviews help maintain optimal protection as circumstances evolve.

Still Have Questions? Book a Consultation!

If you’re still seeking clarity or have additional concerns, our team is here to help. Book a free consultation to discuss your business insurance needs in detail, and let our expert advisers provide the guidance you need for peace of mind and financial security. Request your free, no-obligation callback now before spots fill up.

Discover More at Dumont Wealth

Explore our comprehensive resources and expert services designed to empower your financial decisions. Use the sections below to quickly access the information most relevant to your needs.

Personal Insurance Solutions

Uncover our tailored personal insurance options that secure your individual needs and protect your future.

Our Services

Discover our full range of financial and insurance services, expertly designed to help you achieve your business and personal goals.

Tailored Packages & Pricing

Explore clear, custom advice packages with transparent pricing—perfectly aligned with your financial ambitions.

Free Insights & Resources

Access our expert blog for in-depth guides, practical tips, and free educational content to empower your financial planning.

Complete Insurance Quesionnaire

Final chance to take our brief eligibility questionnaire to discover your personalised business insurance options. In just 5 to 20 minutes, answer a few essential questions about your health and business needs.

We then anonymously submit your details to leading insurers, so you receive tailored advice without any impact on your future applications. Start your insurance assessment today and take control of your business protection. Limited spots available for priority reviews.

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About Dumont

Dumont Wealth delivers quality and transparent advice to all Australians. We do this by providing holistic strategies tailored to each individual’s needs and circumstances. 

© 2025 Dumont Wealth Pty Ltd

Business and Licensee Information: Authorised Representative No. 1272643. Dumont Wealth Pty Ltd. Corporate Authorised Representative No. 1308337. Licensed by Alliance Wealth Pty Ltd, ABN 93 161 647 007, AFSL No. 449221.

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