Clarity on risk.
Confidence in coverage.

Senior insurance advice for Australian SMEs navigating growth, contracts, director exposure and more complex commercial risk.

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HOW WE THINK

Most businesses don’t need more insurance. They need clearer thinking around risk.

Our role is to help you understand where risk genuinely sits, what matters most and how insurance supports the decisions you’re making.

Insurance is often treated as a yearly transaction rather than a considered risk management tool. It should be done differently.

We bring a disciplined, advisory-led approach to insurance with practical, straightforward communication.

The result is simple: better clarity, better decisions, and better outcomes.

Learn more about our approach

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WHEN BUSINESSES COME TO US

When insurance stops being straightforward.

Transactional renewals

Policies are renewed each year, but there is little clarity on what has changed or whether the cover still fits the business.

Email only relationships

The annual conversation is often handled over email or phone by someone who has never properly understood the business.

Cover that is unexplained

Many clients cannot clearly describe what each line of cover is meant to protect, or whether the program would respond when it matters.

Growth outpacing cover

As the business grows, the gaps between what was insured before and what needs to be protected now can widen quickly.

New contracts for review

New contracts can introduce insurance requirements, indemnities, or limits that the existing program was not built to handle.

Taking on investors

External investors often expect stronger governance, clearer scrutiny, and director-grade protection. Many SME programs are not built for that level.

FOUNDER

Senior insurance experience, delivered personally.

Loveday Insurance Services was founded by Robert Loveday, drawing on nearly 20 years’ insurance experience across underwriting, broking and management liability in Australia and the UK.

The business was created to give Australian SMEs and mid-market businesses access to more structured, advisory-led insurance advice.

Underwriting · Broking · Management liability · AU/UK experience

Read Rob's story

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HOW WE SUPPORT YOUR BUSINESS

Navigating complexity as your business grows.

Insurance Placement

Tailored insurance programmes across all major classes, built around your business risks.

Risk Mapping and Advisory

Identify and prioritise key risks across the business, with specialist advice on directors and officers exposure.

Horizon Planning

Reviewing and planning for your business as it grows, with insurance aligned to changing risks and future plans.

Policy Review and Coverage Analysis

Detailed review of existing policies to identify gaps, overlaps and inefficiencies.

Claims Advocacy and Support

Support and guidance when it matters most, ensuring claims are managed proactively.

INSIGHTS

Clear thinking on risk.

May 25, 2026

Where director personal exposure comes from

Director duties are expanding as business risk becomes more complex. Here are the areas SME directors should keep front of mind.

May 18, 2026

Cyber Risk 101

A short guide to cyber and cyber risk for Australian SMEs and mid-market businesses.

May 4, 2026

Proactive risk thinking, better insurance outcomes for SMEs

Better risk thinking can improve business decisions, strengthen renewal outcomes and help SMEs prioritise what matters.

Contact

Get clarity on your cover.

If you’re unsure your insurance program would respond in a real claim, it’s worth a conversation. No pressure. Just clear, practical advice.

Thank you. Your enquiry has been received.

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Loveday Insurance Services Pty Ltd (ABN 21 696 831 580) is a Corporate Authorised Representative (No. 1321366) of McLardy McShane Partners Pty Ltd (AFSL 232987, ABN 14 064 465 309).

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