Our Approach

We thoroughly research your business and the threats to your type of business; we conduct a thorough and in-depth analysis of your business and its needs through our “Discovery” process.

We also conduct a thorough risk survey of your premises. In addition, we do an in-depth review of your contractual arrangements including leases and supply contracts from an insurance perspective.

We can also arrange for professional valuations (where required) of your buildings, plant and equipment to establish your actual replacement values should they be destroyed.

We present a fully detailed report of our recommended insurance solutions. We get deeply involved in claims to ensure you receive all you are entitled to including challenging decisions by Insurers where appropriate to ensure you are properly and fairly treated.

Why Choose Us?



We will match the best policy with your needs.


Detail oriented

We don’t miss the fine details.


We genuinely care about our clients.


Personal Service

With you every step of the way.



Stellar reputation and track record.


Get Protected

We help you get adequate cover.

Our Services

Business insurance

Rural insurance

personal insurance

Don't take our word for it, hear what our happy clients have to say!


“We highly recommend Fleurieu & Hills Insurance to everyone. The team at Fleurieu & Hills Insurance kindly offered their assistance to assess a complex issue we were attempting to solely navigate. An issue created by our (previous) insurance company/broker through their inadequacy. Their genuine empathetic nature had them stand firmly by our side. Utilising a wealth of industry experience, knowledge and networks, they advocated on our behalf until a complete, favourable outcome was achieved. Thank you.”

- Colin & Kat McPherson, Maude Street Butcher

“To know you have the right level of insurance cover for your home or business provides great piece of mind. If your not sure just have a chat with these guys, they will do an assessment and put your mind at rest. Their knowledge and customer service is second to none.”

- Julie Irwin

“Fleurieu & Hills Insurance was recommended to us by very happy clients. Their team are expert brokers – they know more about insurance than anyone we know. Their experienced, thorough and empathetic – they care about every client and give extraordinary service. When we had a problem with our insurance company, they jumped in and went beyond the call of duty and persisted until it was fixed. They delivered results way beyond our expectations!! We highly recommend them to anyone and everyone. Thank you!”

- Andrew Matthews

“We have been very happy with the service provided by Fleurieu & Hills Insurance. As a semi-rural property of 18 acres, they were able to tailor our insurance specifically where other brokers could not. As a result, we have full confidence that we are adequately covered. Thanks team.”

-  Grant & Hollie Coleman

“Best customer service I have ever had from an insurance company. They were very thorough in analysing what our company needed, and presented us with the best insurance products. I feel safe knowing that if we have to do a claim they will be supportive and do their best to get the best outcome for us. Michelle is also a fantastic support. I am so glad we have chosen Fleurieu and Hills Insurance, we would not go anywhere else. Well done guys!”

- South Vac Hydro Excavation


Why should I use an Insurance Broker instead of dealing direct with the insurer or arrange myself online?

As insurance brokers, we have intimate knowledge of the strength and weaknesses of various insurance products. We can advise which products are better suited to your needs. We have access to very high quality policies with reputable insurers.

How do I know that your insurance will protect me?

We take the time to understand what your specific needs and insurable threats to your business are. Dealing direct you are dealing with order takers only. They do not give specific advice and you alone have to determine if the product you are choosing is suitable. The insurer will not advise you on this.

Do insurance brokers cost extra?

We charge a small annual fee that enables us to spend much more time analysing your needs, research for suitable products, represent you at claims time and provide personal service. You have a dedicated professional looking after your needs at all times.

What happens at claim time?

At claim time, we are working for you and not the insurer. We make sure your claim is treated fairly and in utmost good faith by the insurer making sure you receive all you are entitled to. From time to time an insurer will reduce a claim or deny a claim which we think should be paid. When this happens, we go to bat for you making your case with the insurer and seek to have them reverse or improve their previous decision. Occasionally, when they still continue to deny or move on their offer and we believe that you have a legitimate claim, we will take your claim through to the Australia Financial Complaints Authority to have them decide. We do not charge for this service.

Many of our Google reviews reflect our fighting and winning on our clients behalf.

Do you visit our business or do we have to come to you?

We prefer to visit your business personally for many reasons. Firstly, you get to meet who is looking after you. Secondly, we often see things that are relevant to an insurer and if not disclosed or remedied, could threaten the validity of your insurance. We also spot potential risk management issues to help you further protect your business. It is a far better way of doing business and our clients are always telling us we do it way different and more thoroughly than our competitors.

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