We provide busy SME businesses with easy access to tailored insurance.

Protection through insurance indemnifies a business for their own loss but also pays for expensive litigation. Without insurance, a small-to-medium enterprise (SME) cannot survive the loss resulting from an adverse, sometimes catastrophic, event.

Legal advice helps you identify the icebergs – Insurance is the protection you need against what lies below the surface.

We can help tailor an insurance package specifically for your business.


No of SMEs in Australia


Feel they are fully covered from
insurable business risks


No of SMEs exit

Our Insurance Partners

Reputed insurance companies we partner with to protect your business:


Aspect SME Insurance​

Backed by specialist commercial legal firm, Aspect Legal, Aspect SME Insurance provides trustworthy and dependable holistic advice to owners, CEOs and managing directors of SMEs nationwide. We are different to your average insurance broker – we are risk managers. As responsible, innovative brokers we are more focussed on expertise and solid advice than simply placing a policy. We work with you to protect the investment in your business. Your business may be experiencing rapid growth and you’re fearful that may be destroyed. With protection from Aspect SME Insurance, you’ll sleep better at night knowing your business and family is safeguarded against financial, reputational and compliance loss resulting from an adverse event. At Aspect SME Insurance we genuinely care. We understand your problems. We research, educate, and find the most cost-effective, appropriate insurance solution for your circumstances.

Meena Wahi, AR:438444 (ASME)
Insurance Specialist

Protecting Your Business for Growth and Maximum Exit Value

Director, Meena Wahi, has your back. With more than 20 years’ risk management experience, she heads our insurance division. MBA educated and a member of the Australian Institute of Company Directors, her background includes management consulting for PwC, and serving the Bendigo Bank Community Branch as a Board member.

The Circle of Insurance

We assess your situation, then triage and manage your risk

Aspect SME Insurance Cycle of Insurance provides a layer
of protection for your business to offset your risk and liability. The protection layers ensures that your insurances policies have your assets, data, customer relationships, professional contracts and directors and officers covered for any risk event that may hurt the sustainability and profit of your business. Aspect SME Insurance Cycle of Insurance ensures you meet your two critical business goals
– Continuity and Trust.

Shield Packages

Learn More About Our Comprehensive Policies

Case studies

These cases illustrate just what Aspect SME Insurance can do for you.
Cyber risk exposure in an eCommerce business

Acting for an ecommerce online business with a $5 million turnover, we identified a huge cyber risk exposure. We then organised an appropriate policy for them. Just 15 days later, they experienced a massive cybercrime incident which cost the business $150,000 . A hacker had changed the bank account details on an invoice they had sent, and the client had subsequently paid the hacker rather than our client. Fortunately for our client, this was entirely covered by the policy that we had just put in place.

Multiple sites, one policy

We consolidated the insurance across a medical practice’s multi-site buildings to one business insurance policy including all sites, saving the client thousands of dollars.

Management liability policy cost savings

We found $5,000 per year in policy costs for a client needing a management liability policy. We have relationships with a large range of insurers and understand the motivators and risk appetite of each different potential insurer. This means we can match the right insurer with each type of business and risk. The choice of insurer to go to for each type of risk can make an enormous difference in cost and value for our clients.

Telehealth and COVID-19 vaccine issues policy coverage for a medical centre

We provided coverage for a medical centre to include Telehealth in their Cyber policy and ensured the Directors’ liability related to COVID-19 vaccine roll-out scenarios was covered in their Management Liability policy. The client was happy as they were uncertain about emergent risks and glad to have adequate cover.

What our happy clients Say

“Meena is a thought leader with a strong commitment to understanding the practical and system constraints and considerations of their clients. She introduced the first cyber-risk insurance product to my organisation when we were seeking cover, at a time when other insurers did not have solutions addressing either our needs, or those of our members in dental practices. Subsequently, that market has developed, but the company has stayed ahead of the risk curve”.
Garry Pearson
OAM ex CEO Australian Dental Association Victorian Branch/NFP Consultant/ Business Coach
“Meena went above and beyond in securing our insurance needs. True professionals who know the insurance game”.
Michael Herman
Director at KPeyes | Medical Business Intelligence systems

How We Make Insurance Easy for You

Don’t wait for a catastrophic event

Got some questions?

Are you a new business or would like a free insurance health check for your SME?

This is a 4-step process:

  1. Identifying your core areas of business risk
  2. Advising – have you appropriately managed
    that risk or is there exposure that should be managed better?
  3. Evaluate existing policy value. Can we extract
    better value out of your policies?
  4. Recommendations