How excesses & sub-limits can reduce your insurance protection
Article Posted | 25/02/2026
At Coverforce PCIB, our team of experienced insurance brokers work hard to provide tailored insurance solutions for both businesses and individuals across a wide range of risks. Our expertise spans commercial and corporate insurance, liability and professional risks, property and asset protection, construction and marine exposures, as well as selected personal lines including home, motor, caravan and landlord insurance.
We take the time to understand your circumstances and what you’re trying to protect, then arrange cover that’s practical, cost-effective and fit for purpose. It’s a straightforward, relationship-driven approach, with ongoing support when you need it.
Coverforce are 100% owned by the Steadfast Group, the largest general insurance broker network and group of underwriting agencies in Australiasia, with more than 10bn in annual billings.
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Learn more >>At Coverforce PCIB, we believe in building strong partnerships with our clients, understanding their unique challenges, and delivering insurance solutions that provide real value. Our commitment to your business goes beyond just insurance - we're here to support your success and ensure peace of mind should the unexpected happen.
Since our inception, we've worked hard to surpass our competitors by providing better solutions, better rates and being easier to do business with. We see our strong year on year growth and positive client feedback as proof that we are getting this right.
When you appoint Coverforce as your insurance broker, we can assist you with the following:
RISK ASSESSMENT
We assess client risk to determine the level and scope of cover required. Focus is always on protecting the business' finance and assets and reducing cost where possible.
EXPERT NEGOTIATION
Strong insurer relationships and unlimited access to global markets allow us to negotiate quality cover at highly competitive rates.
POLICY PLACEMENT
We place cover as instructed and provides clients all the documentation. One point of contact per client for all general insurance policies.
POLICY ADMINISTRATION
Businesses change throughout the year. If a client expands their service offering, purchases assets or opens a new location, our team can advise and adjust coverage where required.
CLAIMS MANAGEMENT
Should a claim arise, the broker and claims team are by your side. The specialist claims team will work with the insurer on the client's behalf to deliver the full entitlement due under the policy.
ONGOING RISK ADVICE
Where a client is unsure if they are covered for a particular scenario or need to understand insurance implications prior to making a business decision they can contact us for personalised risk advice.
Peter Collins
Director
Ann Warrilow
Commercial Broker
Michelle Staples
Assistant Commercial Broker
Aly Smeman
Retail Broker
Richard Korenromp
Strata & Retail Broker
We have had the pleasure of a very professional relationship with Peter Collins of Coverforce for a number of years now insuring both business and personal property from homes, vehicles, boat, trailers, trade vehicles and home contents. The service has been exceptional and the cost savings have certainly been worth the initial phone call. On the odd occasion that a claim has arisen against a policy the assistance provided to us has been outstanding. I would recommend the services of Peter and his team to anyone looking for good service, quality product and cost savings.
John Firrell, Sovereign Homes Qld Pty Ltd
Basically I would be scared to have my insurance with anyone else. You give me confidence in my level of insurance and the support whenever required.
Emma – Plumb Glazing
As a modern, connected advisor, it is a must to surround myself with an ‘A Team’ of other professionals for myself and my clients to have on hand, ready to be entrusted with so that the best outcome can be achieved. Peter and his team at Coverforce fit the ‘A Team’ criteria for my professional &, business insurance brokerage requirements, and when my client’s ask for a contact to speak to about their business insurance needs, Peter’s card is the only one I hand over.
Chris Wheatley – Scope Accounting
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Coverforce PCIB Pty Ltd
Phone: (07) 3808 3425
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Postal Address:
Commercial Court, Unit 24/130 Kingston Rd, Underwood QLD 4119
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