# kbi.llms > KBI is a specialist insurance brokerage based in Australia. It was founded in 2013 and operates as a risk-management and insurance advisory firm focused on selected industry sectors rather than general mass-market broking. The firm emphasises “advice-driven” support, tailored programs, industry focus, and long-term client partnerships instead of just transactional broking. The business is 100% owned by its employees and directors, which the company highlights as part of its value proposition. It holds an Australian Financial Services Licence (AFSL 494792) via its parent entity, and the website notes that KBI Pty Ltd is an authorised representative (AR 450152) of KBI Group Pty Ltd (ABN 56 167 437 121). > Primary Services - Directors & Officers Insurance - Management Liability Insurance - Business Insurance (commercial business cover) - Professional Indemnity Insurance - Public & Product Liability Insurance - Cyber Insurance & IT Liability Insurance - Industrial Special Risk Insurance (ISR) --- ## Pages - [Associations & Specialist Programs](https://kbi.com.au/association-insurance/) - [Personal Accident](https://kbi.com.au/solutions/personal-accident/) - [Claims](https://kbi.com.au/claims/) - [Industrial Special Risk Insurance](https://kbi.com.au/solutions/industrial-special-risk-insurance/) - [Real Estate Agencies](https://kbi.com.au/association-insurance/real-estate/real-estate-agencies/) - [Terms & Conditions](https://kbi.com.au/terms-conditions/) - [Cleantech](https://kbi.com.au/specialist-sectors/cleantech-insurance/) - [Educators SA](https://kbi.com.au/association-insurance/educators-sa/) - [Compliance](https://kbi.com.au/compliance/) - [Mining Consultant](https://kbi.com.au/specialist-sectors/mining-consultants-insurance/) - [Mining Contractor](https://kbi.com.au/specialist-sectors/mining-contractors-insurance/) - [Strata](https://kbi.com.au/specialist-sectors/strata-insurance/) - [Built Environment & Engineering](https://kbi.com.au/specialist-sectors/built-environment-and-engineering/) - [Manufacturing](https://kbi.com.au/specialist-sectors/manufacturing-industries-insurance/) - [Technology](https://kbi.com.au/specialist-sectors/information-technology-liability-insurance/) - [Management Liability Insurance](https://kbi.com.au/solutions/management-liability-insurance/) - [Premium Funding](https://kbi.com.au/premium-funding/) - [Local News (LINA)](https://kbi.com.au/association-insurance/local-news-insurance/) - [Bakery](https://kbi.com.au/association-insurance/bakery-industry-insurance/) - [NBIA](https://kbi.com.au/association-insurance/bakery-industry-insurance/nbia/) - [BIEAWA](https://kbi.com.au/association-insurance/bakery-industry-insurance/bieawa/) - [Statistician](https://kbi.com.au/association-insurance/statistician-insurance-program/) - [Geoscience Quote](https://kbi.com.au/association-insurance/geoscience-consultants-insurance/geoscience-quote/) - [Geoscience](https://kbi.com.au/association-insurance/geoscience-consultants-insurance/) - [Researchers](https://kbi.com.au/association-insurance/researchers/) - [Researchers Quote](https://kbi.com.au/association-insurance/researchers/trs-insurance-quote/) - [Community Broadcasters](https://kbi.com.au/association-insurance/community-broadcasting-insurance/) - [ARMA](https://kbi.com.au/association-insurance/arma/) - [FAN](https://kbi.com.au/association-insurance/fan/) - [Real Estate](https://kbi.com.au/association-insurance/real-estate/) - [Belle Property](https://kbi.com.au/association-insurance/real-estate/belle-property/) - [Financial Services](https://kbi.com.au/specialist-sectors/financial-services-insurance/) - [Professional / Corporate Services](https://kbi.com.au/specialist-sectors/professional-services-firm-insurance/) - [Mining & Resources](https://kbi.com.au/specialist-sectors/mining-company-insurance/) - [Commercial Property](https://kbi.com.au/specialist-sectors/commercial-property-insurance/) - [Life Sciences](https://kbi.com.au/specialist-sectors/life-science-insurance/) - [Directors & Officers](https://kbi.com.au/solutions/directors-and-officers-insurance/) - [Business Insurance](https://kbi.com.au/solutions/general-business-insurance/) - [Public & Product Liability](https://kbi.com.au/solutions/public-and-product-liability/) - [Professional Indemnity](https://kbi.com.au/solutions/professional-indemnity-insurance/) - [Cyber](https://kbi.com.au/solutions/cyber-insurance/) - [Blog](https://kbi.com.au/blog/) - [Resource Hub](https://kbi.com.au/resource-hub/) - [Website Disclaimer](https://kbi.com.au/disclaimer/) - [About](https://kbi.com.au/about/) - [Contact Us](https://kbi.com.au/contact-us/) - [Specialist Sectors](https://kbi.com.au/specialist-sectors/) - [Insurance Solutions](https://kbi.com.au/solutions/) - [Home](https://kbi.com.au/) - [Privacy Policy](https://kbi.com.au/privacy-policy/) --- ## Posts - [ChatGPT’s New Agent Feature - Implications for PI and Cyber Risk](https://kbi.com.au/blog/chatgpts-new-agent-feature-implications-for-pi-and-cyber-risk/) - [Journey Insurance in Australia: The Commute Your Insurance Might Be Missing](https://kbi.com.au/blog/journey-insurance-in-australia-the-commute-your-insurance-might-be-missing/) - [Does Using Offshore Teams or Virtual Assistants Affect Your Business Insurance?](https://kbi.com.au/blog/does-using-offshore-teams-or-virtual-assistants-affect-your-business-insurance/) - [6 Things You Didn’t Know About Cyber Insurance](https://kbi.com.au/blog/6-things-you-didnt-know-about-cyber-insurance/) - [Consequential Loss and Liquidated Damages: Hidden Traps in Engineering Contracts](https://kbi.com.au/blog/consequential-loss-and-liquidated-damages-hidden-traps-in-engineering-contracts/) - [A Risk & Insurance Guide for Process Control Engineers Working with PLC and SCADA](https://kbi.com.au/blog/engineering-the-future-managing-the-risk-a-risk-insurance-guide-for-process-control-engineers-working-with-plc-and-scada/) - [Directors & Officers Insurance in Australia: Why You Should Review the Policy Before Becoming A Director](https://kbi.com.au/blog/directors-amp-officers-insurance-in-australia-why-you-should-review-the-policy-before-becoming-a-director/) - [The Cost of Catastrophe: LA Wildfires and potential impact to Australia’s Insurance Market](https://kbi.com.au/blog/the-cost-of-catastrophe-la-wildfires-and-potential-impact-to-australias-insurance-market/) - [Strata Insurance Affordability and Availability: What You Need to Know](https://kbi.com.au/blog/strata-insurance-affordability-and-availability-what-you-need-to-know/) - [Protecting Your Real Estate Agency: Safeguard Your Business Against Real Risks](https://kbi.com.au/blog/protecting-your-real-estate-agency-safeguard-your-business-against-real-risks/) - [Why Do Associations Need a Tailored Insurance Program?](https://kbi.com.au/blog/why-do-associations-need-a-tailored-insurance-program-8/) - [The Fire Risks Associated With Lithium-Ion Batteries Every Business Should Be Mitigating](https://kbi.com.au/blog/the-fire-risks-associated-with-lithium-ion-batteries-every-business-should-be-mitigating/) - [Safeguarding Business Continuity: Learning from the Optus Outage](https://kbi.com.au/blog/safeguarding-business-continuity-learning-from-the-optus-outage/) - [Strengthening Your Business with Comprehensive Cyber Insurance Solutions](https://kbi.com.au/blog/strengthening-your-business-with-comprehensive-cyber-insurance-solutions/) - [Navigating Insurance Premiums In Changing Economic Conditions](https://kbi.com.au/blog/navigating-insurance-premiums-in-changing-economic-conditions/) - [What is Association Liability Insurance?](https://kbi.com.au/blog/what-is-association-liability-insurance/) - [What is the Difference between D&O and ML?](https://kbi.com.au/blog/what-is-the-difference-between-do-and-ml/) - [Maximising Your Insurance Broker Relationships: Understanding the role of LOAs](https://kbi.com.au/blog/maximising-your-insurance-broker-relationships-understanding-the-role-of-loas/) - [The Importance of Insurance Reviews: Avoid Common Mistakes That Impact Long-Term Success](https://kbi.com.au/blog/the-importance-of-insurance-reviews-avoid-common-mistakes-that-impact-long-term-success/) - [The current outlook on the 2023 D&O Insurance Market](https://kbi.com.au/blog/the-current-outlook-on-the-2023-do-insurance-market/) - [Corporate Travel Insurance: A Must-Have for Business Travellers](https://kbi.com.au/blog/corporate-travel-insurance-a-must-have-for-business-travellers/) - [The Impact of Inflation on Your Insurance](https://kbi.com.au/blog/the-impact-of-inflation-on-your-insurance/) - [Equipment Breakdown – don’t leave your bakery at risk!](https://kbi.com.au/blog/equipment-breakdown-dont-leave-your-bakery-at-risk/) - [How to Best Protect your Business against Cyber Threats & Interruptions](https://kbi.com.au/blog/how-to-best-protect-your-business-against-cyber-threats-interruptions/) - [A Growing Ransomware Threat is Driving Change in the Australian Cyber Insurance Market](https://kbi.com.au/blog/a-growing-ransomware-threat-is-driving-change-in-the-australian-cyber-insurance-market/) - [How Does D&O Insurance Work?](https://kbi.com.au/blog/how-does-do-insurance-work/) - [FY21 Q3 & Q4: Cyber Insurance Snapshot](https://kbi.com.au/blog/fy21-q3-q4-cyber-insurance-snapshot/) - [Are You Protected as a Director?](https://kbi.com.au/blog/are-you-protected-as-a-director/) - [Building Code Requirements vs. Property Insurance Requirements](https://kbi.com.au/blog/building-code-requirements-vs-property-insurance-requirements/) - [What is Run-Off Insurance?](https://kbi.com.au/blog/what-is-run-off-insurance/) - [Building Insurance Value – The Benefits of Getting It Right & Risks of Getting It Wrong](https://kbi.com.au/blog/building-insurance-value-the-benefits-of-getting-it-right-risks-of-getting-it-wrong/) - [Setting the Limit for your D&O Insurance](https://kbi.com.au/blog/setting-the-limit-for-your-do-insurance/) - [8 Essential Policies & Procedures for Improved Cyber Security](https://kbi.com.au/blog/8-essential-policies-procedures-for-improved-cyber-security/) - [How to Make your Commercial Property more Insurable?](https://kbi.com.au/blog/how-to-make-your-commercial-property-more-insurable/) - [What are the impacts of COVID-19 likely to be on D&O Insurance renewals?](https://kbi.com.au/blog/what-are-the-impacts-of-covid-19-likely-to-be-on-do-insurance-renewals/) - [Corporate Travel Insurance During COVID-19](https://kbi.com.au/blog/corporate-travel-insurance-during-covid-19/) - [Business Interruption Insurance and How it Applies During COVID-19](https://kbi.com.au/blog/business-interruption-insurance-and-how-it-applies-during-covid-19/) - [Risk Management Tips for Handling Increased Unoccupancy During COVID-19](https://kbi.com.au/blog/risk-management-tips-for-handling-increased-unoccupancy-during-covid-19/) - [How We Can Help Our Clients Through COVID-19](https://kbi.com.au/blog/how-we-can-help-our-clients-through-covid-19/) - [5 Tips to Improve your Cyber Security while working from home](https://kbi.com.au/blog/5-tips-to-improve-your-cyber-security-while-working-from-home/) - [Why is Insurance Becoming So Expensive?](https://kbi.com.au/blog/why-is-insurance-becoming-so-expensive/) - [D&O Insurance: Glossary of Terms](https://kbi.com.au/blog/do-insurance-glossary-of-terms/) - [Top 8 Strategies for your D&O Insurance Renewal](https://kbi.com.au/blog/top-8-strategies-for-your-do-insurance-renewal/) - [Corporate Governance Proposed Changes – How Will it Affect D&O Insurance?](https://kbi.com.au/blog/corporate-governance-proposed-changes-how-will-it-affect-do-insurance/) - [Claims Preparation Costs: An Essential Yet Overlooked Insurance Cover](https://kbi.com.au/blog/claims-preparation-costs-an-essential-yet-overlooked-insurance-cover/) - [What Do Cyber Claims Look Like?](https://kbi.com.au/blog/what-do-cyber-claims-look-like/) - [What to Watch Out for in a Cyber Insurance Policy](https://kbi.com.au/blog/what-to-watch-out-for-in-a-cyber-insurance-policy/) - [Cyber Insurance Explained: What it is and Why You Need It](https://kbi.com.au/blog/cyber-insurance-explained-what-it-is-and-why-you-need-it/) - [What to Do After a Cyber Attack or Data Breach: 7 Step Plan](https://kbi.com.au/blog/what-to-do-after-a-cyber-attack-or-data-breach-7-step-plan/) - [10 Ways to Prevent a Cyber Attack](https://kbi.com.au/blog/10-ways-to-prevent-a-cyber-attack/) - [Boardroom Risks: How Emerging Issues Impact D&O Insurance](https://kbi.com.au/blog/boardroom-risks-how-emerging-issues-impact-do-insurance/) - [Environmental Liability Insurance Risk Exposures Explained](https://kbi.com.au/blog/environmental-liability-insurance-risk-exposures-explained/) - [D&O Insurance – Top 10 Things to Tell your Broker](https://kbi.com.au/blog/do-insurance-top-10-things-to-tell-your-broker/) - [What is Run-Off Coverage for Directors & Officers Insurance Policies?](https://kbi.com.au/blog/what-is-run-off-coverage-for-directors-officers-insurance-policies/) - [‘Combustible Cladding’ – The Impact of Aluminium Composite Panels](https://kbi.com.au/blog/combustible-cladding-the-impact-of-aluminium-composite-panels/) - [Prospectus Liability Insurance Explained](https://kbi.com.au/blog/prospectus-liability-insurance-explained/) - [How unoccupied / vacant commercial property insurance can protect your investment](https://kbi.com.au/blog/how-unoccupied-vacant-commercial-property-insurance-can-protect-your-investment/) - [KBI Strata Insurance Update](https://kbi.com.au/blog/kbi-strata-insurance-update/) - [Australian Terrorism Insurance Scheme: Important Changes](https://kbi.com.au/blog/australian-terrorism-insurance-scheme-important-changes/) - [Bribery, Corruption and Directors’ Duties](https://kbi.com.au/blog/bribery-corruption-and-directors-duties/) - [RTOs and their D&O Insurance Implications](https://kbi.com.au/blog/rtos-and-their-do-insurance-implications/) - [Is Prospectus Liability Required?](https://kbi.com.au/blog/is-prospectus-liability-required/) - [The Dangers of Non-Compliant Building Materials](https://kbi.com.au/blog/the-dangers-of-non-compliant-building-materials/) - [Are we heading into a hard market in commercial insurance?](https://kbi.com.au/blog/are-we-heading-into-a-hard-market-in-commercial-insurance/) - [Lease Incentive Insurance – As Good as it Sounds](https://kbi.com.au/blog/lease-incentive-insurance-as-good-as-it-sounds/) ---