JMD Ross Insurance Brokers Pty Ltd

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JMD Ross Insurance Brokers Pty Ltd

JMD Ross Insurance Brokers – specialising in corporate, commercial and private client insurance.

13/05/2026

Reading this on your phone or laptop?
Then you’re holding one of the world’s most widely used battery technologies – lithium-ion.

While lithium-ion batteries offer major advantages including greater energy storage, rechargeability and compact design, they also present a growing fire risk if not handled and stored correctly.

Research shows the average Australian household now contains around 33 lithium-ion powered devices, increasing the potential for battery-related fires and explosions.

In our latest article, we explore the growing impact lithium-ion batteries are having on insurers and share practical tips to help minimise the risks of fire and property damage.

https://www.jmdross.com.au/the-hidden-fire-risk-in-everyday-devices/

15/04/2026

The ongoing conflict in the Middle East is having a direct impact on marine cargo insurance, with insurers withdrawing War and Strikes cover at short notice across key regions.

While this is not uncommon during periods of conflict, the scale and speed of these changes reflect a significantly heightened risk environment. For businesses moving goods internationally, the implications are considerable:

⚠️Shipments through affected areas may be partially uninsured.

⚠️Standard risks remain covered, but not war-related losses.

⚠️Carriers may reroute vessels or impose additional war risk premiums.

If your business could be affected, it’s important to take a proactive approach. We can support you with a tailored review – assessing cargo exposures and shipping routes (including reinstatement options), evaluating supply chain and stock accumulation risks, identifying business interruption gaps, reviewing contractual obligations, and providing guidance on rising freight costs and credit risks.

For more information, read our latest update:
https://www.jmdross.com.au/marine-cargo-and-insurance-update/

24/02/2026

NSW Workers Compensation reforms – what you need to know

The NSW Government has passed the Workers Compensation Legislation Amendment (Reform and Modernisation) Bill 2025, introducing changes designed to strengthen support for employees who experience workplace injury or illness.

So, what’s changing?
💠 The 15% Work Injury Damages (WID) threshold has been preserved.
💠 A new intensive “Return to Work” program will be introduced.
💠 The Whole Person Impairment (WPI) threshold will increase.
💠 Greater clarity around claim pathways.

These reforms aim to improve recovery and return-to-work outcomes – but they also have important implications for insurers, employers and claims management processes.

What does this mean in practice for insurers operating in NSW?

We break down the key changes and their impact in our latest article.

https://www.jmdross.com.au/nsw-workers-compensation-reforms-what-you-need-to-know/

03/02/2026

“Our data is safe – it’s in the Cloud.”

Is it really?

The truth is, the “Cloud” lives in a very real place: a physical, brick-and-mortar data centre. And like any building, it isn’t immune to fire risk.

Data centres are complex and highly variable by design. Combine that with equipment generating intense heat, and fire prevention and cooling systems become critical – and often difficult to optimise in advance.

The consequence? Downtime, operational disruption and lost revenue. In other words, the only cloud you may see is your business’s time and money going up in smoke.

In this article, we explore how your business can stay resilient in the face of potential data centre downtime. ⬇️

https://www.jmdross.com.au/is-your-data-really-safe-in-the-cloud/

03/11/2025

⚠️Summer home safety alert ⚠️

As temperatures rise, so does the risk of household fires. While winter fire safety often gets the spotlight, summer brings its own set of hazards – from unattended BBQs and cooking appliances to overheating air conditioners and lithium-ion batteries.

We’re reminding homeowners to stay vigilant and take simple steps to reduce fire risk this summer. Most house fires are preventable, and prevention is always the best protection. Read our latest article for practical tips to keep your home and family safe this summer.

🔗 https://www.jmdross.com.au/simple-steps-to-protect-your-home-from-fire-risks/

29/09/2025

⏰ Still on Windows 10? Time is ticking…

Microsoft is ending support for Windows 10 on 14 October 2025. After that, no more updates, no more fixes – and tools like Teams, OneDrive, Xero or Salesforce could start letting you down.

For SMEs, this isn’t just an IT headache – it’s a compliance and cyber risk issue. The good news? It’s also a chance to modernise and strengthen your security before it’s too late.

Want to know what steps to take now and how to protect your business?

Read the full article here ➡️ https://www.jmdross.com.au/be-prepared-for-windows-10-retirement/

15/09/2025

⚡ Fires and electrical faults are one of the biggest risks for butchers – and they can shut down a business overnight.

So what does “adequate insurance” really mean for butchers? After 20+ years working with the industry, JMD Ross recommends:

✅ Insure stock, contents and machinery at full replacement value.
✅ Make sure your policy accounts for seasonal peaks (e.g. Christmas).
✅ Protect your profit margins – start with the simple formula: sales less purchases.
✅ Review your lease obligations, including plate glass cover and $20M public liability.
✅ Ensure landlords are noted as interested parties on policies where required.

Insurance doesn’t have to be complex, but it does need to be right.

Read our latest article for practical tips on protecting your butchery ➡️ https://www.jmdross.com.au/retail-butchers-and-the-importance-of-adequate-insurance/

04/06/2025

Premium relief is finally here!

After years of rising costs and tough market conditions, Professional Indemnity Insurance for Financial Planners is turning a corner – JMD Ross is here to help you make the most of it.

With increased competition, a more stable regulatory landscape, and improved insurer profitability, premiums are coming down – and many of our clients are already seeing the benefits.

Read the full update and strategy tips ⬇️

https://www.jmdross.com.au/pi-insurance-premiums-drop-for-financial-planners/

18/02/2025

Thinking of relocating your business? It’s important to consult an insurance broker to avoid any nasty surprises. Key underwriting factors that may impact premium and coverage considerations include:

🏢 Age and construction of building.
🔥 Fire protection.
🚫 Presence of asbestos or EPS.
⚠️ High hazard peril area.
💼 Nature of the occupation of neighbouring businesses.

Here’s what you need to know before making the move. ⬇️
https://www.jmdross.com.au/insurance-implications-of-tenancy-selection/

11/12/2024

Summer means cooling off in the water and nothing beats spending a leisurely afternoon on a boat with friends and family! 🛥️

Before you set out on the water, make sure you have the right boat insurance in place so you know your covered.

Here are our top tips on what to consider when choosing an appropriate pleasure craft insurance policy. ⬇️⬇️

https://www.jmdross.com.au/top-tips-to-choosing-the-right-boat-insurance/

Address

Level 6/1 Chandos Street
St. Leonards, NSW
2065

Telephone

+61299061199

Website

http://www.jmdross.com.au/

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