MGA Insurance Group is an Australian insurance brokerage that provides advice, risk management and insurance solutions for businesses, professionals and individuals.
We work with clients to understand their risks, find appropriate insurance options from a range of insurers, and negotiate terms on their behalf. We also assist with policy reviews, risk advice and claims support, helping clients manage risk and protect their assets.
An insurance broker is a licensed professional who arranges insurance on behalf of clients. Unlike an insurer's representative, a broker acts in the interests of the client. That means assessing risk, explaining policy coverage, sourcing insurance options from multiple insurers, and assisting with claims when required.
Insurance policies can vary significantly in coverage, exclusions and conditions. When you buy directly from an insurer, you are limited to what that insurer offers.
A broker can approach multiple insurers, compare options, and identify policies that actually reflects your specific risks. Brokers also review policy wording, negotiate on your behalf, and support you through the claims process.
The name MGA comes from the initials of our company’s founders: Brian McInerney, John George, and Allan Amber. MGA Insurance Group was established by these founders in 1975 and has grown into a leading national insurance brokerage supporting clients across a wide range of industries.
When purchasing insurance directly from an insurer, you are typically limited to the products offered by that insurer.
An insurance broker can approach multiple insurers and compare available coverage options. Brokers also provide advice on policy wording, coverage limits and exclusions, helping ensure insurance arrangements reflect the client’s risk profile.
In many cases, using an insurance broker does not increase the cost of insurance. Broker remuneration is usually included within the premium paid to the insurer.
A broker’s role is to provide advice, arrange appropriate cover and assist with claims, helping clients understand their insurance and make informed decisions.
If a claim occurs, MGA Insurance Group assists clients through the claims process by working with insurers and claims representatives on their behalf.
Our role is to help ensure the claim is lodged correctly, provide guidance throughout the process, and assist in progressing the claim toward a fair and timely outcome.
Yes. MGA Insurance Group works with a range of insurers across Australian and international insurance markets.
This allows our brokers to consider different policy options, coverage structures and insurers when arranging insurance for clients.
MGA Insurance Group works with clients across many industries including agriculture, manufacturing, transport, construction, sports and professional services, whether you are a sole trader or a large enterprise, our brokers take the time to understand risks specific to your industry and arrange insurance solutions that reflect those exposures.
Yes. MGA Insurance Group works closely with Whittles as part of the broader MGA Whittles Group of Companies.
Whittles is a national strata management business established in Adelaide in 1968, with offices across Australia. The business provides strata and body corporate management services ranging from small residential units through to large residential and commercial developments.
MGA and Whittles work together particularly in arranging and placing body corporate insurance, combining Whittles’ strata management expertise with MGA’s insurance broking services.
MGA Insurance Group works alongside several businesses that form part of the MGA Whittles Group of Companies and its broader network, including:
Millennium Underwriting Agencies Pty Ltd
Millennium provides underwriting and claims services to the MGA Insurance Group and its broker network across Australia, supporting areas such as agricultural, commercial motor and retail insurance portfolios.
MGA EziPay Pty Ltd
MGA EziPay provides premium funding services, allowing clients to manage insurance payments through monthly instalments. The platform is backed by National Australia Bank and is designed specifically for the MGA network.
Whittles
Whittles is a national strata management company with offices across Australia. It provides body corporate and building management services, with MGA assisting in the placement and management of insurance for strata properties.
Austbrokers Group
MGA Insurance Group is a member of the Austbrokers Group, an ASX200-listed network of insurance brokers and underwriting agencies operating across Australia and New Zealand.
MGA is located in all mainland states and territories, both in metro and regional centres. In each of these locations MGA is a part of the local community and support is provided through local sponsorships and donations to a wide variety of sporting clubs, community groups, charities and events. On a national level the MGA Whittles Community Foundation was set up to facilitate fundraising by staff, along with contributions from MGA and its sister company, Whittles, from which 100% of funds are then donated to worthy charities.
MGA has around 38 offices (and growing), located in both Metro and regional areas across mainland Australia and one in Phnom Penh, Cambodia. Office contact details can be found on our website, view our offices.
It’s important to understand your own risks so you can choose the right insurance product. In Australia, we have over 100 licensed insurers that offer a broad range of insurance products to choose from. Each insurer offers policies with different terms and conditions and exclusions so no two policies are the same. MGA brokers can provide advice on a wide range of general insurance products, both for domestic and business purposes and also have access to insurance policies that are not readily available to consumers.
Some people turn to insurance comparison sites to look for the cheapest insurance, but that’s not always the best way as price is not the only thing you should consider. The policies you’ll be offered are usually fairly generic and may not meet your individual requirements. MGA brokers can arrange insurance cover on your behalf and provide advice on how to make the most of your insurance budget.
The main difference is that an insurance agent is a direct representative of the provider of the insurance policy being offered to you, their responsibility is to sell the products from those insurers and no others. They may be a multi agent where they provide covers from several providers, but they continue to only sell products from those insurers.
An insurance broker on the other hand is able to access many different insurers (excluding those that only sell direct to the public), matching the customer’s needs to the insurance policy and negotiating changes that may be required. Insurance brokers are engaged by the customer and are working on their behalf to source, negotiate, maintain, renew and assist in the claim process. An insurance broker is an advocate for the client, not the insurance company.
Yes, you can pay for your insurance online through several different payment methods. View our Payment Options to find a payment method that suits you.
Your policy number can be found on the tax invoice that you received when you purchased your policy. View example.
A Product Disclosure Statement (PDS) provides you with essential information to help you make a decision about whether to buy a particular product. It describes in clear terms the main features and the terms and conditions of the policy. A PDS also provides information about the cooling off period after you purchase the policy in case you change your mind and outlines what you need to do in the unlikely event you have a complaint.
