We offer protection for the things that matter most to you
You are not just a number to us… for us it’s personal
Personal Insurance
The right cover for you and your family

Home And Contents

Insurance for your home is important and it pays to shop around. Home Insurance premiums in NQ can be a big expense for the family budget. We understand that quality is important but price is important too. Reef Insurance Brokers is part of the Steadfast network and we have access to a wide range of insurers for personal insurances. We do the all the hard work for you each year by comparing coverage and premiums, so you know you are getting the most cost effective, quality option.

Please examine our brochure:

Landlord Insurance

Specifically designed to cover residential investment properties, and considered a ‘must have’ for any Landlord. This type of cover offers protection for the risks faced by property investors, including property damage, malicious damage or theft by tenants and in some cases rental default.
Ideal for long term or short-term residential rentals and holiday let properties.

Get a quote for Landlord Insurance

Cyber Cover for Families

Typically, Cyber Liability insurance policies have only been available to businesses. In an Australian first Emergence Insurance is now offering a Cyber Crime Protection Insurance Policy for families or individuals. The policy is designed to cover several areas that are more relevant to personal and home network use.

Please examine our brochure:

Personal Accident and Illness Insurance

Ideal for self-employed business operators or sole traders this type of insurance can cover lost income or wages if you are injured and can’t work, allowing you to meet financial commitments and safe guarding your financial position. The Illness section of the cover is available as an option and some insurers offer business expenses as an option too.

Please examine our brochure:

Residential Strata

Insurance for registered CTS unit and townhouse complexes, including the full re-instatement cost of the buildings, and common contents for damage, legal liability and optional Office Bearer’s Liability, Volunteers’ Workers Compensation and Fidelity Guarantee.

Please examine our brochure:

Motor Insurance

We can assist you and your farm or your business with our highly competitive Car and Motorcycle insurances. We offer the best rates on excellent cover for your Comprehensive or 3rd Party requirements. For your convenience we offer monthly payment options if you prefer.

Our FNQ services promote trust, integrity, excellence, accountability and partnership


For your business
Finding cost-effective and sustainable small business insurance protection in Northern Queensland is no small feat. We understand - we live, and work here as well.
Personal insurance
When you need home and contents, landlord protection, cyber crime, accident and illness, residential strata or motor insurances then Reef IB have got you covered.
Who we are
Established in 2020 we have already helped many businesses and property owners find sustainable insurance options. We believe in fair, honest and efficient insurance and personal service that works for you.
Making a claim
Our support and advice don’t stop after you purchase your policy. Our Claims Management Services are where we really shine and can add significant value for you.
Contact us
We look forward to working with you

Reef Insurance Brokers
Caroline Holland
Email: hello@reefib.com.au
Phone: 0473 007 606

Address: PO Box 750 Bungalow Q 4870 and PO Box 962 Ravenshoe Q 4888

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Ten Seventy Pty Ltd T/A Reef Insurance Brokers is an Authorised Representative (AR # 1285127) of United Insurance Group AFSL no 327131. ABN: 48 646 410 335

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