Strategic insurance guidance for established businesses in manufacturing, construction and related industries.
I work with owner-directors and senior decision makers who want clarity before renewal, structure before pricing and a broker who stays accountable at claim time.
They are: structure, late renewal problems and fragmented advice problems.
Many directors come to me after:
If this sounds familiar, the issue is rarely the insurer. It is the process.
A 60-minute Risk Landscape Review to identify gaps, inefficiencies and structural issues in your current programme.
Strategic risk mapping across exposures, insurer selection, excess levels and claims history.
Ongoing broking, renewal planning and direct claims advocacy so nothing important is left unmanaged.
This is a long-term advisory relationship built around fewer surprises and stronger outcomes at claim time.
A business approached me after a global firm mishandled their renewal. I identified critical coverage gaps, supported a mid-term transition and rebuilt their structure. I did not receive a commission, but I earned a long-term client.
I have spent more than twenty years advising privately owned businesses on risk. Over that time, I have learned that insurance only proves its value when it is tested.
After two decades in a large firm, I saw too many program processed rather than examined. Policies just rolled over, rather than client engagement and restructure on an annual basis, as every business inevitably changes year-to-year.
Wordings accepted without negotiation. Fitzgerald & Co was built on a different standard. Insurance should be understood in practical terms, aligned to how a business operates and negotiated with intent.
I once reviewed a liability policy for a director who believed he was protected. A single exclusion created a significant uninsured exposure.
Fitzgerald & Co is intentionally selective. It exists to provide structured, long-term risk guidance for businesses that expect their insurance to respond when it matters.
Insurance should reduce uncertainty, not create it.
We deliberately work with a limited number of established businesses. This allows every client relationship to retain senior-level attention and clear accountability.
You deal directly with an experienced broker who understands your operations, risk priorities and insurance program—not a succession of account managers learning your business at each renewal.
The difference is not simply personal service. It is earlier planning, more considered insurer engagement and advice that remains connected to your commercial decisions.
We work with established businesses whose operations, assets, contracts and liability exposures require more than a transactional renewal process.
Our focus is primarily manufacturing, construction and related industries across Australia. We generally work directly with owners, directors and senior decision-makers who want clearer advice, earlier planning and one accountable point of contact.
The Risk Landscape Review is a focused 60-minute strategic conversation about your business, its material exposures and the way your current insurance programme responds.
We consider your existing arrangements against the business you operate today, identify areas that may warrant closer examination and clarify the priorities ahead.
You leave with a clearer understanding of where you stand and what should happen next, without any obligation to appoint us.
Yes. You do not need to dismiss your existing broker before speaking with us.
A Risk Landscape Review provides an independent opportunity to test whether your current insurance arrangements remain aligned with your business.
The purpose is not to find fault for the sake of it. It is to establish what is working, what requires attention and whether a different approach could materially improve your position.
No. The best time to review your risk and insurance position is usually well before renewal.
Early engagement creates time to understand your business, improve the quality of information presented to insurers and resolve issues without the pressure of an approaching expiry date.
Even if your renewal is months away, the conversation can begin now.
No. Insurance should be managed as an ongoing business risk, not an annual transaction.
Our Clarify, Map, Lead approach continues throughout the relationship. We plan renewals early, respond to material changes in your business, maintain insurer engagement and keep your insurance programme aligned as the business evolves.
You retain one accountable adviser across the entire process.
A policy is only truly tested when a claim occurs.
We help you prepare and present the claim, coordinate communication with insurers and other parties, and advocate for a fair outcome under the policy. We remain involved throughout the process so you are not left to manage a complex claim alone.
Fitzgerald & Co provides insurance broking services under the Australian Financial Services Licence of McKenzie Ross & Co Insurance Brokers, AFSL 246988.
Further information about our authorisation, services and obligations is available in our Financial Services Guide.
A structured conversation. We review your current programme, identify structural gaps and determine whether there is alignment to move forward.
