Stay protected

you've built something worth protecting.

Your business is established. You have established systems, reliable revenue streams, and a clear operational rhythm. Now the focus shifts from setup to maintenance, ensuring your cover stays relevant, competitive, and claim-ready when you need it most.

You're in the right place if:

1

Your business is established (1-5+ years in).

2

You’ve got reliable revenue and a solid client base.

3

You want to make sure you’re not overpaying or underinsured.

4

You’re thinking about what happens if something goes wrong.

What matters most right now

Keeping your cover relevant, optimised, and claim-ready.

At this stage, it’s not about adding more insurance, it’s about making sure what you have works. That means:

Regular policy reviews (at least annually)
Adjusting limits as your business changes
Checking for gaps before they become problems
Having a plan for when something goes wrong

All the basics

All the basics… Public Liability, Professional Indemnity, Property, etc.
You should already have these. The question is: are the limits still right? Have your risks changed? Is your cover still competitive?

Management Liability (D&O)

If you have directors or make big decisions
Protects directors and decision-makers from claims of mismanagement, unfair dismissal, or regulatory breaches. More relevant as you grow.

What to review regularly

Are your coverage limits still appropriate?
Have you notified us about changes to your business?
When did you last benchmark your premiums against the market?

Our approach: Proactive reviews and strategic adjustments, so you’re never caught off guard.

Common questions

From business owners at this stage

How often should I review my policy?

At least once a year, ideally just before renewal. However, if anything major changes mid-year (such as a new location, a big contract, or staff changes), please let our team know immediately.

What if my business model pivots?

Will making a claim increase my premiums?

How do I know if I'm overpaying?

What to do when something goes wrong

If you need to make a claim, don’t wait. The faster you notify us, the faster we can help.

Step 1: Contact us immediately

Call 1300 475 092 or email claims@withpocket.com.au.

Even if you’re unsure if it’s claimable, please let us know.

Step 2: Document everything

Photos, receipts, incident reports, and any other documentation that helps build your case.

We’ll guide you through what’s needed.

Step 3: We handle the rest

The Pocket team will liaise with insurers, chase approvals, and keep you updated.

You focus on running your business.

Useful resources for established businesses

Guides:

The Founder’s Guide to Policy Renewals – How to review without the stress

What to Do When Sh*t Hits the Fan – Step-by-step claims guide

Switching Brokers Without the Drama – How to transition smoothly

What happens next

Insurance isn’t set-and-forget. It’s an ongoing partnership. Sam checks in regularly, but if anything changes on your end, such as growth, pivots, or new risks, don’t wait for renewal.

Congratulations on launching!

Now it’s time to scale your business.

Congratulations on scaling!

Scaling your business – scale strong.

Last step

Established and optimising – stay protected.