Perth business insurance services.

Turn risk into a competitive advantage with our insurance options.

At Annex, we help business owners make smarter decisions about risk.

Based in Perth, we provide tailored insurance cover and risk advisory services designed to protect what matters most: your people, assets and business continuity.

More than insurance advisors, we’re strategic collaborators and problem-solvers who take the time to understand your needs and tailor solutions to ensure you’re neither over-insured nor under-insured. Whether you’re navigating complex risks or simply seeking the right level of cover, we’re here to guide you with clarity, control, and confidence.

With deep local knowledge and national reach, our team provides trusted insurance advisory and brokerage services for Perth businesses. Our solutions are proactive, precise, and built around your commercial reality, ensuring your business is covered, compliant, and positioned for growth.

Our commercial insurance solutions are tailored to how you operate, what you value, and where your business is headed. Whether you’re scaling up, safeguarding assets, or responding to staff changes, our experienced insurance brokers deliver expert guidance, structure, and support to protect your business at every stage.

Our approach is personal, practical and always professional, because when it comes to protecting your future, experience and integrity make all the difference.

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How we help and why it matters

Insurance is just one part of the picture. At Annex, we design risk strategies that are practical, proactive and built around your business reality, not a one-size-fits-all policy.

We work with clients across Western Australia to simplify complexity, strengthen protection, and create insurance programs that enable smarter decisions and greater confidence at every stage of growth.

If you’re a small business owner, explore how our services can help you stay protected, stay agile, and stay ahead.

  • General Insurance Advisory Icon

    General Insurance Advisory

    Insurance shouldn’t be a guessing game. Our Perth advisory services simplify the process, offering custom-built solutions that reflect your risk profile, industry pressures, and business priorities.

    • Customised Protection – Policies shaped around your risk environment and operations.
    • Proactive Exposure Management – Spot risks and efficiencies before they impact your bottom line.
    • End-to-End Policy Setup – We manage the process from structuring to negotiation.
    • Smarter Cost Management – Balance cover and cost with intelligent program design.
    • Compliance Assurance – Stay on top of legal and regulatory requirements.
    • Ongoing Program Review – Coverage that evolves with your business needs.
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    Insurance Program Audit

    Is your current insurance holding your business back? Our audit gives you a clear snapshot of what’s working, what’s not, and where improvements can be made for greater protection and efficiency.

    • Program-to-Strategy Fit – Align cover with your financial capacity and risk tolerance.
    • Policy Streamlining – Simplify claims, cut admin, and enhance insurer relationships.
    • Industry-Specific Insights – Advice tailored to your growth stage and sector.
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    Claims Management

    When things go wrong, you need fast, expert support. We manage the entire claims journey on your behalf — minimising disruption and fighting for the best outcome.

    • Dedicated Claims Representation – We act in your corner, not the insurer’s.
    • Quicker Claims Processing – Efficient systems for faster outcomes.
    • Skilled in Complex Matters – Confidently handling large and layered claims.
    • Full-Service Claims Handling – From start to settlement, we take care of it.
    • Continuity-Centred Approach – Minimising downtime and maintaining momentum.
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    Board Presentation

    Our board reporting services deliver insights that cut through the noise — linking insurance and risk to business performance, strategy, and compliance.

    • Director-Focused Insights – Targeted, strategic information for governance-level decisions.
    • Custom Reports – Reports, decks or briefings, tailored to your board’s style.
    • Linking Risk to Strategy – Framing insurance in the context of business outcomes.
    • Regulatory Snapshot – Timely updates on changing insurance obligations.
    • Confidence for Decision-Makers – The clarity your board needs to act decisively.
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    Worker’s Compensation

    Protecting your workforce starts with the right cover. We build tailored workers’ comp programs that meet your obligations and reduce both risk and cost.

    • Industry-Aligned Cover – Built around your workforce risk profile.
    • Claims Coordination – We manage insurer communication to avoid delays.
    • Compliance Peace of Mind – Meet all legal requirements at state and national levels.
    • Cost Review & Control – Identify ways to reduce premiums without reducing cover.
    • Program Effectiveness Review – Evaluate and improve your current workers’ comp strategy.
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    Risk Profiling

    Understanding risk is the first step to managing it. Our profiling service reveals both insurable and non-insurable exposures, helping you build a more resilient business.

    • In-Depth Operational Analysis – Discover your business’s critical risk points.
    • Beyond-the-Policy Solutions – Implement measures outside of insurance to reduce risk.
    • Downtime Exposure Mapping – Understand the financial impact of disruptions.
    • Asset Accuracy Check – Validate your valuations and ensure adequate protection.
    • Workplace Safety Scan – Identify WHS weaknesses and close compliance gaps.
    • Improved Risk Visibility – Present stronger to insurers and stakeholders.
  • Icon for business continuity and crisis management

    Business Continuity & Crisis Management

    Be ready when disruption strikes. From cyberattacks to supply chain failure, we help you build practical, scalable continuity plans that safeguard your operations and people.

    • Custom Contingency Planning – Strategies to keep you moving through disruption.
    • Vulnerability Identification – Map operational weak points and dependencies.
    • Emergency Response Playbooks – Actionable steps for high-pressure scenarios.
    • Coverage Validation – Ensure your interruption insurance reflects real exposure.
    • Crisis Response Training – Empower your people to act with confidence.
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    Contract Reviews

    We review contracts through a risk lens to ensure your insurance keeps pace with your commercial obligations — helping you avoid costly gaps and hidden exposures.

    • Detailed Risk Review – Uncover hidden liabilities in your agreements.
    • Policy Alignment Check – Make sure your insurance supports contractual obligations.
    • Exposure Quantification – Understand the financial weight of your commitments.
    • Contract Risk Strategy – Guidance to reduce liability and improve your position.
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    Premium Funding

    Access the cover you need without cash flow strain. We arrange premium funding options that provide flexibility, certainty, and convenience.

    • Structured Payment Options – Finance your cover in line with your cash flow.
    • Competitive Lending Access – We source funding on favourable terms.
    • Capital Flexibility – Preserve cash for growth and day-to-day operations.
    • Managed End-to-End – We handle the logistics so you can focus elsewhere.

Strategic Risk & ISO Compliance

Business insurance is a critical tool for Risk Transfer. While internal controls and safety protocols reduce the likelihood of an event, insurance protects your balance sheet from the financial impact. At Annex, we integrate your insurance program into a broader business resilience strategy.

While not always a legal requirement, ISO 31000 is the international benchmark for robust risk management. Adopting this framework demonstrates to underwriters that you have a proactive risk culture, which often results in more competitive premiums and broader coverage terms, particularly in high-stakes industries like Mining and Construction.

Risk-based thinking involves identifying potential threats to your quality and safety outcomes before they occur. Annex assists businesses in documenting these risks to meet ISO audit requirements, ensuring your compliance efforts serve as a practical shield against operational downtime.

A standard broker focuses on the transaction, buying a policy. An Annex Risk Advisor performs a deep-dive audit of your operations, supply chain, and contracts. We identify “hidden” exposures and implement mitigation strategies to reduce your risk profile before we approach the insurance market.

The Annex Advantage (Differentiation)

Annex moves beyond the “commodity” brokerage model. We are a Risk-First advisory. This means we focus on Risk Profiling and Contractual Reviews to ensure your cover is technically accurate. We don’t just find a price; we find the right strategy to protect your long-term equity.

Yes, but through strategy rather than just “shopping around.” By using Risk Profiling to prove your business is “Best in Class” (lower risk than the industry average), we can negotiate preferential rates and terms with local and global underwriters that are often unavailable to the general market.

In 2026, with AI-driven ransomware on the rise, a cyber incident is a matter of “when,” not “if.” Cyber insurance provides the essential financial resources for IT forensics, legal notifications, and regulatory fines—costs that can otherwise lead to business insolvency.

Practical & Operational FAQs

To provide a truly strategic solution, we begin with a face to face meeting. You can book a consultation via our website or contact our Perth office directly. This ensures the quote we provide is a precise fit for your actual operational reality, not just a generic estimate.

Absolutely. One of our primary roles is Claims Advocacy. We manage the entire technical negotiation with the insurer on your behalf. Our goal is to ensure a fair, fast settlement that allows you to maintain business continuity without the stress of managing the insurer’s requirements alone.

Yes. We specialise in providing SMEs with the high-level risk advisory usually reserved for large corporations. We ensure your insurance is scalable, protecting you as you take on larger contracts and more complex liabilities.

Annex is proudly based in Perth, Western Australia. While we service clients across the country and access global markets, our “boots-on-the-ground” knowledge of the WA economic and regulatory landscape is a core advantage for our local clients.

Annex Risk Advisory 5 Stars Icon

“Dealing with Annex Risk Advisory was very effective and easy.

We ended up with better cover and better value in comparison to our previous cover. Highly recommend!”

– Peter Zwagerman

Annex Risk Advisory 5 Stars Icon

“Annex Risk Advisory delivered a professional, reliable service with excellent industry knowledge and clear communication.

Their practical approach and responsiveness made the process smooth and valuable. Highly recommended.”


– Strahinja Mrkonjic

Annex Risk Advisory 5 Stars Icon

“I was very happy with the prompt service and the brokers knowledge!

I would recommend, and would gladly use Annex Risk Advisory for further insurance needs.”


– Kodi Noakes

Stay ahead of risk.

Start protecting what you’ve built with our risk management advisory services.

At Annex Risk Advisory, we partner with you to monitor changes in your business, adapt strategies as needed, and keep you informed. Our goal is simple: to safeguard your business so you can focus on smooth operations.

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