In this episode of The Insurance Series, William Freitas speaks with Michael Joseph from Austbrokers Cyber Pro to discuss the current state of cyber insurance and the risks facing businesses in 2025. The conversation explores how cyber policies have developed, the key areas of coverage, and why understanding both data and system risks is essential for every organisation.

 

Michael provides practical insight into recent claim trends, including ransomware, data breaches, and funds transfer fraud, and highlights how incident response and claims management can significantly influence recovery outcomes. The episode also covers the growing regulatory focus on privacy, the role of preventative cyber measures, and how businesses can better prepare for and respond to cyber events.

 

Whether you’re a broker or business owner, are you ready to Grow with Confidence?

In this episode of The Insurance Series, William Freitas speaks with Michael Joseph from Austbrokers Cyber Pro to discuss the current state of cyber insurance and the risks facing businesses in 2025. The conversation explores how cyber policies have developed, the key areas of coverage, and why understanding both data and system risks is essential for every organisation.
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Michael provides practical insight into recent claim trends, including ransomware, data breaches, and funds transfer fraud, and highlights how incident response and claims management can significantly influence recovery outcomes. The episode also covers the growing regulatory focus on privacy, the role of preventative cyber measures, and how businesses can better prepare for and respond to cyber events.
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Whether you&rsquo;re a broker or business owner, are you ready to Grow with Confidence?

Managing business cyber risk and insurance

In this episode of The Insurance Series, William Freitas sits down with Anthony Anastasio from Everest Risk Group to unpack the complexities of property insurance and Industrial Special Risk (ISR) policies. They explore how business owners can structure comprehensive commercial property insurance programs, manage exposures such as EPS construction materials, and use risk engineering and quantity surveying to minimise underinsurance.

 

They also discuss practical insights on disaster recovery planning, claims preparation, and how proactive risk management helps businesses secure better results when losses occur.

 

Whether you’re a broker or business owner, are you ready to Grow with Confidence?

In this episode of The Insurance Series, William Freitas sits down with Anthony Anastasio from Everest Risk Group to unpack the complexities of property insurance and Industrial Special Risk (ISR) policies. They explore how business owners can structure comprehensive commercial property insurance programs, manage exposures such as EPS construction materials, and use risk engineering and quantity surveying to minimise underinsurance.
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They also discuss practical insights on disaster recovery planning, claims preparation, and how proactive risk management helps businesses secure better results when losses occur.
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Whether you&rsquo;re a broker or business owner, are you ready to Grow with Confidence?

Property Insurance and Industrial Special Risks

In this episode of The Insurance Series, William Freitas sits down with Amanda Smith from Optimum Insurance to discuss the intricacies of medical malpractice insurance and how insurance advisers can help clients in the health and allied services sector manage professional risk.

 

They explore what medical malpractice covers, common claims scenarios, and the importance of understanding the difference between claims-made and occurrence-based policies. The discussion also delves into how insurers assess risks in areas such as aged care, disability support and paramedical services, and why subcontractor management and risk controls are critical to maintaining effective cover.

 

Listeners will gain practical insights into policy structures, coverage limitations, and how to ensure clients are properly protected against allegations of negligence or misconduct in an evolving healthcare environment.

 

Are you ready to Grow with Confidence?

In this episode of The Insurance Series, William Freitas sits down with Amanda Smith from Optimum Insurance to discuss the intricacies of medical malpractice insurance and how insurance advisers can help clients in the health and allied services sector manage professional risk.
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They explore what medical malpractice covers, common claims scenarios, and the importance of understanding the difference between claims-made and occurrence-based policies. The discussion also delves into how insurers assess risks in areas such as aged care, disability support and paramedical services, and why subcontractor management and risk controls are critical to maintaining effective cover.
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Listeners will gain practical insights into policy structures, coverage limitations, and how to ensure clients are properly protected against allegations of negligence or misconduct in an evolving healthcare environment.
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Are you ready to Grow with Confidence?

Medical Malpractice Insurance: Managing Professional Risk

In this episode of The Insurance Series, William Freitas speaks with Ian Markus, Director of Debtor Protect, about the role of trade credit insurance in managing insolvency risk and protecting business cash flow.

They discuss how trade credit insurance helps businesses recover from unpaid invoices, monitor customer creditworthiness, and proactively manage exposure to financial loss. Ian also shares insights on current insolvency trends, how insurers assess buyer risk, and what brokers and business owners should consider when arranging cover.

This conversation offers practical guidance on strengthening receivables and reducing risk in an uncertain economic climate.

Are you ready to Grow with Confidence?

In this episode of The Insurance Series, William Freitas speaks with Ian Markus, Director of Debtor Protect, about the role of trade credit insurance in managing insolvency risk and protecting business cash flow.
They discuss how trade credit insurance helps businesses recover from unpaid invoices, monitor customer creditworthiness, and proactively manage exposure to financial loss. Ian also shares insights on current insolvency trends, how insurers assess buyer risk, and what brokers and business owners should consider when arranging cover.
This conversation offers practical guidance on strengthening receivables and reducing risk in an uncertain economic climate.
Are you ready to Grow with Confidence?

Trade Credit Insurance Explained

In this episode of The Insurance Series, Will Freitas sat down with Kevin M. LaCroix of RT Specialty, author of the D&O Diary, to discuss how Directors and Officers insurance is evolving on a global scale.

We explore how international trends including AI-related claims, cybersecurity threats , tariff exposures and climate risks are reshaping D&O programs worldwide. The episode discusses insights on differences between markets, the data and claims patterns emerging from the U.S., and what Australian brokers and boards can learn from overseas experience.

This discussion offers practical guidance for brokers, advisers and directors on anticipating future risks, structuring effective D&O coverage, and strengthening board protection in an increasingly connected world.

Are you ready to Grow with Confidence?

In this episode of The Insurance Series, Will Freitas sat down with Kevin M. LaCroix of RT Specialty, author of the D&amp;O Diary, to discuss how Directors and Officers insurance is evolving on a global scale.
We explore how international trends including AI-related claims, cybersecurity threats , tariff exposures and climate risks are reshaping D&amp;O programs worldwide. The episode discusses insights on differences between markets, the data and claims patterns emerging from the U.S., and what Australian brokers and boards can learn from overseas experience.
This discussion offers practical guidance for brokers, advisers and directors on anticipating future risks, structuring effective D&amp;O coverage, and strengthening board protection in an increasingly connected world.
Are you ready to Grow with Confidence?

Global Risks in Directors & Officers Insurance

In this episode of The Insurance Series, Will Freitas speaks with Kym Beazleigh from Markel about his journey into underwriting, the differences between global insurance markets, and how leadership shapes performance.

They dive into Markel’s specialist approach in Australia, the evolution of Professional Indemnity and Financial Institutions Insurance products, and the challenges of Professional Indemnity, from wording mistakes to the importance of clear broker submissions.

This episode provides practical advice for brokers on strengthening submissions and ensuring clients are properly covered.

Are you ready to Grow with Confidence?

In this episode of The Insurance Series, Will Freitas speaks with Kym Beazleigh from Markel about his journey into underwriting, the differences between global insurance markets, and how leadership shapes performance.
They dive into Markel&rsquo;s specialist approach in Australia, the evolution of Professional Indemnity and Financial Institutions Insurance products, and the challenges of Professional Indemnity, from wording mistakes to the importance of clear broker submissions.
This episode provides practical advice for brokers on strengthening submissions and ensuring clients are properly covered.
Are you ready to Grow with Confidence?

Underwriting professional indemnity insurance

In this episode, Will Freitas is joined by Andrew Sharbeen, Director of Codex Insurance, a specialist underwriting agency with deep expertise in technology and cyber risk. Codex focuses on delivering tailored insurance solutions for technology-driven businesses, with its flagship product TechShield combining IT liability and cyber insurance in one comprehensive policy.

Andrew breaks down what IT liability covers, why traditional monoline policies create dangerous gaps, and how Codex’s composite approach provides stronger protection.

He also shares real claims examples, the unique risks faced by MSPs, and the cyber risk management practices underwriters expect, including how to prepare and respond effectively to a breach.

Are you ready to Grow with Confidence?

In this episode, Will Freitas is joined by Andrew Sharbeen, Director of Codex Insurance, a specialist underwriting agency with deep expertise in technology and cyber risk. Codex focuses on delivering tailored insurance solutions for technology-driven businesses, with its flagship product TechShield combining IT liability and cyber insurance in one comprehensive policy.
Andrew breaks down what IT liability covers, why traditional monoline policies create dangerous gaps, and how Codex&rsquo;s composite approach provides stronger protection.
He also shares real claims examples, the unique risks faced by MSPs, and the cyber risk management practices underwriters expect, including how to prepare and respond effectively to a breach.
Are you ready to Grow with Confidence?

Combining IT Liability and Cyber Insurance 

In this episode, Will Freitas is joined by Glenn Hanna, from HMD Insurance, to explore the unique risks and insurance challenges faced by the scaffolding industry.

 

Glenn shares how the Scaffolding Association of Australia provides an exclusive liability facility designed specifically for scaffolders, addressing the difficulty many businesses face in securing cover. He highlights the importance of customer service, taking the time to understand client needs, and offering tailored risk advice to prevent costly gaps in protection.

 

From the underwriting risk measures insurers want to see, to real-world claims examples around workplace safety, Glenn provides valuable insights into how scaffolders and other high-risk industries can better protect themselves.

 

Are you ready to Grow with Confidence?

In this episode, Will Freitas is joined by Glenn Hanna, from HMD Insurance, to explore the unique risks and insurance challenges faced by the scaffolding industry.
&nbsp;
Glenn shares how the Scaffolding Association of Australia provides an exclusive liability facility designed specifically for scaffolders, addressing the difficulty many businesses face in securing cover. He highlights the importance of customer service, taking the time to understand client needs, and offering tailored risk advice to prevent costly gaps in protection.
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From the underwriting risk measures insurers want to see, to real-world claims examples around workplace safety, Glenn provides valuable insights into how scaffolders and other high-risk industries can better protect themselves.
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Are you ready to Grow with Confidence?

Scaffolding Risk and Insurance

In this episode of The Insurance Series, Will Freitas is joined by Alex Kerti from Emergence Insurance, an underwriting agency specialising in cyber insurance.

Alex outlines why cyber-attacks have become one of the most significant emerging risks for Australian businesses, the sharp rise in ransomware and social engineering claims, and why current market conditions make it an opportune time to secure cover.

Together, Will and Alex explore what insurers assess in a cyber risk profile, common misconceptions about cyber risk, and how cyber insurance responds when an incident occurs.

Are you ready to Grow with Confidence?

Connect with Confio today:

Book a Consultation: https://confioinsurance.com/

Instagram: https://www.instagram.com/confio.insurance/

LinkedIn: https://www.linkedin.com/company/confioinsurance/

TikTok: https://www.tiktok.com/@confio.insurance

Facebook: https://www.facebook.com/confioinsurance

In this episode of The Insurance Series, Will Freitas is joined by Alex Kerti from Emergence Insurance, an underwriting agency specialising in cyber insurance.
Alex outlines why cyber-attacks have become one of the most significant emerging risks for Australian businesses, the sharp rise in ransomware and social engineering claims, and why current market conditions make it an opportune time to secure cover.
Together, Will and Alex explore what insurers assess in a cyber risk profile, common misconceptions about cyber risk, and how cyber insurance responds when an incident occurs.
Are you ready to Grow with Confidence?
Connect with Confio today:
Book a Consultation: <a href="https://aus01.safelinks.protection.outlook.com/?url=https%3A%2F%2Fconfioinsurance.com%2F&amp;data=05%7C02%7Cnikolina%40confioinsurance.com%7C6d3828d9f3d54a7c1c7708ddd8d47db6%7C4ef13bbd7dbc4adfad58a8291ae4dded%7C0%7C0%7C638905129568833058%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=wXfJBtyMCAa%2B35Wsx6PsmvvkPs%2F0vDVR8%2BXmBakHHek%3D&amp;reserved=0" data-auth="NotApplicable">https://confioinsurance.com/</a>
Instagram: <a href="https://aus01.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.instagram.com%2Fconfio.insurance%2F&amp;data=05%7C02%7Cnikolina%40confioinsurance.com%7C6d3828d9f3d54a7c1c7708ddd8d47db6%7C4ef13bbd7dbc4adfad58a8291ae4dded%7C0%7C0%7C638905129568859034%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=eKMoGvdyEKJzp9jnwRG3V5hGGlqmM5GvWhId%2FiPk3%2F0%3D&amp;reserved=0" data-auth="NotApplicable">https://www.instagram.com/confio.insurance/</a>
LinkedIn: <a href="https://aus01.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fconfioinsurance%2F&amp;data=05%7C02%7Cnikolina%40confioinsurance.com%7C6d3828d9f3d54a7c1c7708ddd8d47db6%7C4ef13bbd7dbc4adfad58a8291ae4dded%7C0%7C0%7C638905129568873432%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=oglhwutv7Lgcc5X0%2FEsnvz2VURSQCGLM2SmHyyqru2A%3D&amp;reserved=0" data-auth="NotApplicable">https://www.linkedin.com/company/confioinsurance/</a>
TikTok: <a href="https://www.tiktok.com/@confio.insurance">https://www.tiktok.com/@confio.insurance</a>
Facebook: <a href="https://www.facebook.com/confioinsurance">https://www.facebook.com/confioinsurance</a>

Cyber Insurance: Understanding the Evolving Risk

In this episode of The Insurance Series, we dive into the world of Management Liability and Directors & Officers (D&O) Insurance with industry expert Mathew Korff from Vector Insurance. Mathew shares insights from his career journey, from underwriting to claims and broking, and explains why every business leader should understand the protections these policies offer. 

We break down the key differences between Management Liability and D&O Insurance, when businesses should consider standalone coverage, and how entity claims complicate liability. Mathew and Will also share practical tips on choosing the right limit, understanding common exclusions, and reducing your premium with the help of an experienced adviser.

 

Whether you're running a small business or managing risk at a large organisation, this episode will help you make informed decisions around management liability and D&O insurance.

 

Are you ready to Grow with Confidence?

Connect with Confio today:

Book a Consultation: https://confioinsurance.com/

Instagram: https://www.instagram.com/confio.insurance/

LinkedIn: https://www.linkedin.com/company/confioinsurance/

TikTok: https://www.tiktok.com/@confio.insurance

Facebook: https://www.facebook.com/confioinsurance

In this episode of The Insurance Series, we dive into the world of Management Liability and Directors &amp; Officers (D&amp;O) Insurance with industry expert Mathew Korff from Vector Insurance. Mathew shares insights from his career journey, from underwriting to claims and broking, and explains why every business leader should understand the protections these policies offer. We break down the key differences between Management Liability and D&amp;O Insurance, when businesses should consider standalone coverage, and how entity claims complicate liability. Mathew and Will also share practical tips on choosing the right limit, understanding common exclusions, and reducing your premium with the help of an experienced adviser.
&nbsp;
Whether you're running a small business or managing risk at a large organisation, this episode will help you make informed decisions around management liability and D&amp;O insurance.
&nbsp;
Are you ready to Grow with Confidence?
Connect with Confio today:
Book a Consultation: <a href="https://confioinsurance.com/">https://confioinsurance.com/</a>
Instagram: <a href="https://www.instagram.com/confio.insurance/">https://www.instagram.com/confio.insurance/</a>
LinkedIn: <a href="https://www.linkedin.com/company/confioinsurance/">https://www.linkedin.com/company/confioinsurance/</a>
TikTok: https://www.tiktok.com/@confio.insurance
Facebook: https://www.facebook.com/confioinsurance

Management Liability and Directors & Officers (D&O) Insurance

William Freitas, Director of Confio Insurance, welcomes you to The Insurance Series.

This series takes a deep dive into the fascinating world of insurance, exploring various types of risks and offering practical insights to help businesses protect themselves. This series will gather industry experts, including underwriters, lawyers, and claim managers to share their experience and expertise.

Whether you’re a small business owner or represent a larger corporation, our mission is to equip you with the knowledge and tools you need to confidently navigate the insurance landscape.

William Freitas, Director of Confio Insurance, welcomes you to The Insurance Series.
This series takes a deep dive into the fascinating world of insurance, exploring various types of risks and offering practical insights to help businesses protect themselves. This series will gather industry experts, including underwriters, lawyers, and claim managers to share their experience and expertise.
Whether you’re a small business owner or represent a larger corporation, our mission is to equip you with the knowledge and tools you need to confidently navigate the insurance landscape.

The Insurance Series

William Freitas, Director of Confio Insurance, welcomes you to The Insurance Series.

This series takes a deep dive into the fascinating world of insurance, exploring various types of risks and offering practical insights to help businesses protect themselves. This series will gather industry experts, including underwriters, lawyers and claim managers to share their experience and expertise.

Whether you’re a small business owner or represent a larger corporation, our mission is to equip you with the knowledge and tools you need to confidently navigate the insurance landscape.

William Freitas, Director of Confio Insurance, welcomes you to The Insurance Series.
This series takes a deep dive into the fascinating world of insurance, exploring various types of risks and offering practical insights to help businesses protect themselves. This series will gather industry experts, including underwriters, lawyers and claim managers to share their experience and expertise.
Whether you’re a small business owner or represent a larger corporation, our mission is to equip you with the knowledge and tools you need to confidently navigate the insurance landscape.

The Insurance Series

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