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The compliance gate is clear: ASIC-approved Tier 1 Insurance Broking training under RG 146 — two exams, self-paced within about 16 weeks — then work under an AFSL holder with ongoing CPD. The real entry, though, is a brokerage job: the industry trains juniors deliberately, and NIBA's pathway starts at assistant desks, not classrooms.

Most claims pay out without drama, but when a claim is denied or disputed, Australia has a fairly structured path for resolving it — from the reasonable care duty to a free complaints scheme.

Product Disclosure Statements have a reputation for being long and dense. Here is a genuinely short, practical way to read one — and what a Target Market Determination is actually for.

A small business insurance conversation can sound like an alphabet of cover types. Here are the ones that come up most often with a broker, and roughly what each actually responds to.

Moneysmart's Financial Advisers Register is not the right place to look for a general insurance broker — here is which ASIC registers actually cover them, and how to search them.

Commission, fee-for-service, and the state taxes layered on top that have nothing to do with the broker at all. A breakdown of what makes up the final number on an Australian insurance premium.

Broker, agent or straight from the insurer's website — the three paths sound similar but sit on genuinely different sides of the transaction. Here's what that difference means in practice.