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DUAL ANZ has a clear growth ambition underpinned by a genuine commitment to outstanding service. We’re building from a $500m gross written product (GWP) business with the aspiration to grow to a $1bn one and that doesn’t happen by accident.
Two crucial things are underpinning our journey.
The first is client management delivered through consistent, reliable service. This means consistently doing the basics well and showing up for brokers every day. We’re making sure the relationships we’ve built continue to work in practice, not just on paper, through responsive support.
The second is product diversification. Not for the sake of it, but to better serve brokers because the risk landscape is changing and brokers need more choice, depth and support from partners they trust and who deliver when it matters.
Over the past few years, we’ve deliberately moved from building foundations to investing where it matters most for brokers. That’s meant backing our people, enhancing our products and strengthening capability across the business.
General Liability (GL) and Cyber sit right at the intersection of all of that. They’re evolving fast and they’re two areas where brokers are telling us they want more certainty, more consistency and more thinking from their underwriting partners.
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How our multi-line offering helps brokers
Many cyber insurance providers are mono line i.e. cyber only. That works for some risks, but it has limits.
DUAL’s advantage is that it’s multi-line. For brokers, that means flexibility. One partner, access to a wider range of cover options and more meaningful conversations with clients as risks grow and change.
Our product strategy has shifted
A few years ago, our focus was deliberately narrow.
Our journey in New Zealand began in 2011. That early start created a strong platform that was further strengthened in 2020 through acquisition and a clear focus on expanding our property offering. In 2024, we brought that same focus and energy to motor. That work laid the foundations. Now the focus of our evolution has shifted. As the business has grown, so has our product ambition. In Australia, that’s meant moving into mainstream General Liability and expanding our Cyber offering. These are the two lines where complexity is rising fast and where brokers need consistent, thoughtful underwriting support most.
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We’re showing up properly for General Liability
GL in Australia is competitive. We know that. And because we’re serious about our growth ambitions and about being a fully scalable specialty underwriting business, a strong GL offering is non-negotiable.
That’s why we invest in people first.
We’ve built out dedicated GL underwriting capability, with branch representation across all offices, complementing our broader liability offering across ANZ.
We’ve also appointed Stewart Eaton as Head of GL across ANZ. Stewart brings nearly 25 years’ experience across the UK and London markets, spanning senior liability, crisis management and product recall. He now leads the growth and diversification of DUAL’s liability portfolio, with a strong regional focus and a broker-led service model.
Our focus is quality underwriting that brokers can rely on.
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Our Cyber offering goes beyond just SME
Cyber has long been part of our DNA so the next step was obvious – building an offering that stands up beyond SME and into the corporate market.
Again, we started with people. We appointed two national roles, with Harry Grannum as Senior Underwriter and Lucas Waite as Underwriter, working alongside our Cyber Underwriting Manager, Ciaran Morrissey. That strengthens capability across appetite, structure and limits.
We can support clients generating up to $100m in revenue, with limits up to $5m available through WebRater, our online single, client-centric platform. For larger organisations, our dedicated Cyber underwriters can provide primary capacity up to $20m for businesses with revenues up to $1bn, and excess limits up to $20m for businesses with revenue up to $5bn. But Cyber credibility goes beyond the policy.
Alongside underwriting, we’ve added risk management services through our partnership with KYND. That gives us a more layered approach, with pre- and post-risk support including cyber risk assessment and continuous monitoring, helping businesses identify vulnerabilities, prioritise fixes and stay ahead of emerging threats.
The results speak for themselves. Since launching KYND, our WebRater cyber policy count is up 100% year on year, with quotes generated between September and March doubling on the same period last year.
This was a necessary step in becoming a full-service cyber market. It closes a gap competitors once had and there’s more to come. Keep an eye out for a more streamlined WebRater underwriting approach reducing the number of questions asked to make it easier to transact business, a wording refresh, and additional covers that deliver real value to policyholders, not just buzzwords!
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Helping you do more
So why Cyber and GL, and why now? Because DUAL has moved beyond building foundations, the risk environment in both lines is intensifying, and brokers are telling us they need disciplined, consistent underwriting partners more than ever.
Our product diversification strategy isn’t theoretical, it’s already in motion. We’re deliberately leaning into lines where brokers are feeling pressure, complexity is increasing and strong underwriting support really matters.
The focus is simple – we're backing brokers with the right people, the right products and the right support. GL and Cyber are a big part of that story. And we’re just getting started. To learn more about our General Liability and Cyber offerings, contact your local DUAL underwriter.
Michael Ussher
Deputy Chief Executive Officer DUAL ANZ | Managing Director DUAL Australia
+61 (0)419 578 690
This article is intended to provide general information only. Any insurance cover is subject to the terms, conditions, limitations and exclusions set out in the relevant policy wording. Before making any decision about insurance, please read and consider the relevant Product Disclosure Statement (PDS) and policy wording, available on our website or by contacting your local DUAL underwriter. DUAL Australia Pty Limited (16 107 553 257, AFSL 280193)
DUAL ANZ has a clear growth ambition underpinned by a genuine commitment to outstanding service. We’re building from a $500m gross written product (GWP) business with the aspiration to grow to a $1bn one and that doesn’t happen by accident.
Two crucial things are underpinning our journey.
The first is client management delivered through consistent, reliable service. This means consistently doing the basics well and showing up for brokers every day. We’re making sure the relationships we’ve built continue to work in practice, not just on paper, through responsive support.
The second is product diversification. Not for the sake of it, but to better serve brokers because the risk landscape is changing and brokers need more choice, depth and support from partners they trust and who deliver when it matters.
Over the past few years, we’ve deliberately moved from building foundations to investing where it matters most for brokers. That’s meant backing our people, enhancing our products and strengthening capability across the business.
General Liability (GL) and Cyber sit right at the intersection of all of that. They’re evolving fast and they’re two areas where brokers are telling us they want more certainty, more consistency and more thinking from their underwriting partners.
How our multi-line offering helps brokers
Many cyber insurance providers are mono line i.e. cyber only. That works for some risks, but it has limits.
DUAL’s advantage is that it’s multi-line. For brokers, that means flexibility. One partner, access to a wider range of cover options and more meaningful conversations with clients as risks grow and change.
Our product strategy has shifted
A few years ago, our focus was deliberately narrow.
Our journey in New Zealand began in 2011. That early start created a strong platform that was further strengthened in 2020 through acquisition and a clear focus on expanding our property offering. In 2024, we brought that same focus and energy to motor. That work laid the foundations. Now the focus of our evolution has shifted. As the business has grown, so has our product ambition. In Australia, that’s meant moving into mainstream General Liability and expanding our Cyber offering. These are the two lines where complexity is rising fast and where brokers need consistent, thoughtful underwriting support most.
We’re showing up properly for General Liability
GL in Australia is competitive. We know that. And because we’re serious about our growth ambitions and about being a fully scalable specialty underwriting business, a strong GL offering is non-negotiable.
That’s why we invest in people first.
We’ve built out dedicated GL underwriting capability, with branch representation across all offices, complementing our broader liability offering across ANZ.
We’ve also appointed Stewart Eaton as Head of GL across ANZ. Stewart brings nearly 25 years’ experience across the UK and London markets, spanning senior liability, crisis management and product recall. He now leads the growth and diversification of DUAL’s liability portfolio, with a strong regional focus and a broker-led service model.
Our focus is quality underwriting that brokers can rely on.
Our Cyber offering goes beyond just SME
Cyber has long been part of our DNA so the next step was obvious – building an offering that stands up beyond SME and into the corporate market.
Again, we started with people. We appointed two national roles, with Harry Grannum as Senior Underwriter and Lucas Waite as Underwriter, working alongside our Cyber Underwriting Manager, Ciaran Morrissey. That strengthens capability across appetite, structure and limits.
We can support clients generating up to $100m in revenue, with limits up to $5m available through WebRater, our online single, client-centric platform. For larger organisations, our dedicated Cyber underwriters can provide primary capacity up to $20m for businesses with revenues up to $1bn, and excess limits up to $20m for businesses with revenue up to $5bn. But Cyber credibility goes beyond the policy.
Alongside underwriting, we’ve added risk management services through our partnership with KYND. That gives us a more layered approach, with pre- and post-risk support including cyber risk assessment and continuous monitoring, helping businesses identify vulnerabilities, prioritise fixes and stay ahead of emerging threats.
The results speak for themselves. Since launching KYND, our WebRater cyber policy count is up 100% year on year, with quotes generated between September and March doubling on the same period last year.
This was a necessary step in becoming a full-service cyber market. It closes a gap competitors once had and there’s more to come. Keep an eye out for a more streamlined WebRater underwriting approach reducing the number of questions asked to make it easier to transact business, a wording refresh, and additional covers that deliver real value to policyholders, not just buzzwords!
Helping you do more
So why Cyber and GL, and why now? Because DUAL has moved beyond building foundations, the risk environment in both lines is intensifying, and brokers are telling us they need disciplined, consistent underwriting partners more than ever.
Our product diversification strategy isn’t theoretical, it’s already in motion. We’re deliberately leaning into lines where brokers are feeling pressure, complexity is increasing and strong underwriting support really matters.
The focus is simple – we're backing brokers with the right people, the right products and the right support. GL and Cyber are a big part of that story. And we’re just getting started. To learn more about our General Liability and Cyber offerings, contact your local DUAL underwriter.
Michael Ussher
Deputy Chief Executive Officer DUAL ANZ | Managing Director DUAL Australia
+61 (0)419 578 690
This article is intended to provide general information only. Any insurance cover is subject to the terms, conditions, limitations and exclusions set out in the relevant policy wording. Before making any decision about insurance, please read and consider the relevant Product Disclosure Statement (PDS) and policy wording, available on our website or by contacting your local DUAL underwriter. DUAL Australia Pty Limited (16 107 553 257, AFSL 280193)