Insurance, de-ciphered.
Clear advice. One dedicated broker. And when something goes wrong, someone who actually fights for you.
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 an SME 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
If you work with clients who need insurance, we want to work with you. Cipher operates as a separately licensed brokerage, which means lenders, finance brokers, buyers agents, property managers and accountants can refer clients and receive a revenue share on every policy written, without holding an insurance licence. You add value for your client. We do the work.
How We Work
De-ciphering insurance
Insurance is written to protect insurers, not clients. We translate, 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.
Business Insurance
What does Public Liability actually cover, and what doesn't it?
Most business owners assume they're covered. Most aren't, at least not for what they think. Here's what PL actually does, in plain terms.
Read →For Lenders and Finance Brokers
How referral insurance arrangements work, and why they're ASIC compliant
A structured referral arrangement lets you add value for your clients without holding an insurance licence. Here's exactly how it works.
Read →Property Investors
Landlord insurance vs building insurance, what's the difference?
They sound similar. They cover very different things. If you own investment property, here's what you need to know before your next renewal.
Read →FAQ
Questions people ask us.
Why does insurance feel so complicated, and what does Cipher do differently?
Insurance is written to protect insurers, not clients. 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 does Cipher cover?
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 SMEs, 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.