About FOS Insurance Group
Independent, client-first insurance and risk advisory for Australian businesses — built on honesty, clarity and long-term partnerships.
Our Story
FOS Insurance Group Pty Ltd was founded in Melbourne with a simple purpose: to give Australian businesses clear, honest guidance in an industry too often clouded by jargon and complexity.
We saw small and medium enterprises signing policies they didn't fully understand — and discovering the gaps only when it was too late. Our founders set out to change that, building a practice where every recommendation is explained in plain English and every policy is matched to the real risks a business faces.
Today we advise clients across construction, retail, professional services, transport and more — from single-owner operators through to growing companies with staff and assets across multiple states. Whatever your size, the approach remains the same: listen first, advise honestly, and stand by our work.
Our Values
These principles shape every conversation we have and every recommendation we make.
Integrity First
If a policy isn't right for you, we say so — even when it would be easier to stay quiet. Our advice is never driven by commission.
Clarity Over Jargon
Insurance documents can be dense. We translate the fine print so you know exactly what is covered, what isn't, and why it matters.
Independence
We are not tied to any single insurer. That means our recommendations are shaped by your needs, not by a product we're obliged to sell.
Accountability
When you need us most — at claim time — we're in your corner, managing the process and advocating on your behalf.
Our Team Approach
Every engagement begins with a proper conversation — not a sales pitch. We take the time to understand how your business operates, what keeps it running, and where its exposures genuinely lie.
From there, we map your risk profile, review your existing arrangements, and present options in a straightforward comparison you can actually use. We review cover annually, or whenever your business changes, so your protection keeps pace with your operations.
And when a claim arises, you deal with a person who knows your file — not a call centre queue. That continuity is deliberate, and our clients tell us it makes all the difference.
Credentials & Standards
Our advisers hold the professional qualifications required to provide general insurance advice in Australia, and they maintain those credentials through structured, ongoing professional development.
We are committed to the General Insurance Code of Practice, to fair and transparent dealing, and to handling your personal information in accordance with the Privacy Act 1988 (Cth).
FOS Insurance Group Pty Ltd operates as a proudly Australian company — ABN 88 703 627 721 — based in Melbourne VIC and serving clients Australia-wide.
Get in touch to speak with an adviser, or request a quote online.
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