Insurance, de-ciphered.
Clear advice. One dedicated broker. And when something goes wrong, someone who actually fights for you.
Areas of Expertise
Insurance we can arrange.
Who We Work With
Direct clients.
And the people
who send them.
Cipher works directly with businesses and investors, and with the professionals who look after them.
For Businesses and Investors
Growing businesses, operators and property investors
Whether you are a small business taking on bigger contracts, a specialist trade that most brokers find too complex or a property investor who needs more than a generic package, Cipher is built for businesses that carry real risk. We assess your actual exposure, explain what you have in plain terms and stay with you through every renewal and claim.
For Referral Partners
Lenders, advisers and property professionals
Certain professionals such as lenders, finance brokers, property managers, realtors and accountants often deal with clients who need to source insurance. By partnering with Cipher, you can add value for your client by referring them to an expert and earn revenue on the insurances we place for them.
How We Work
De-ciphering insurance
Insurance wording is dense and easy to misread. We translate it, explaining what you actually have, what the gaps are and what it means in plain language. No jargon. No unexplained fine print. No confusion when it matters most.
One broker, always
Most brokerages move clients between teams as they grow. We don't. The broker who places your cover is the same one who handles your renewal, answers your calls and knows your business from day one through to every claim.
Claims fought, not filed
Most brokers lodge a claim and step back. We don't. With a background in dispute resolution and AFCA proceedings, we advocate for you, actively managing the claim, challenging decisions where there are grounds to do so and working toward the best outcome available.
Insights
Cut through the noise.
Property Investors
How Much Does Block of Units Insurance Cost in Australia?
A duplex or triplex generally costs $1,500 to $4,000 a year to insure. Here's what actually drives the premium on a non-strata block of units, and why.
Read →Business Insurance
Insurance Broker vs Buying Direct: Why Some Cover Only a Broker Can Get
Buying insurance direct works for everyday cover. For high risk trades and non-strata blocks, a broker often reaches markets you can't buy from directly.
Read →Property Investors
Non-Strata Unit Block Insurance: What Owners Need to Know
Own a block of units that isn't strata titled? Here's what building and landlord insurance actually needs to cover, and why some insurers say no.
Read →FAQ
Questions people ask us.
Why does insurance feel so complicated, and what does Cipher do differently?
Insurance wording is dense and easy to misread. We translate it, explaining what you actually have, where the gaps are and what it all means before you ever need to use it. No jargon, no unexplained fine print.
Will I deal with the same broker every time, or get passed around?
The same broker who places your cover handles every renewal, every question and every claim. We don't move clients between teams as they grow. You always know who to call.
What actually happens when I need to make a claim?
We don't just lodge and step back. We advocate for you, actively managing the claim, challenging decisions where there are grounds to do so and working toward the best outcome available, including escalating to AFCA where appropriate.
What types of insurance can Cipher help arrange?
Cipher arranges business insurance (public liability, professional indemnity, management liability, cyber and business pack), plant and equipment and investment property including landlord, strata and commercial property cover.
Is Cipher right for my business if I'm not a large company?
Most of our clients are small businesses, specialist trades and property investors. Businesses that carry real risk but aren't large enough to have their own risk team. That's exactly who we're built for.
How do I get started?
Fill in the enquiry form or email the team directly. No call centres, no automated responses, just a direct conversation about what you need and whether Cipher is the right fit.
Start the conversation.
Tell us about your business and we'll come back to you directly. No call centres, no automated responses, no waiting.