NEXESYour insurance is
probably wrong.
Australian SMBs sit on an average of 3–7 specific insurance gaps they do not know about. Wrong WIC codes. Hidden exclusions. Wage mis-declarations. Each one is a $5,000 to $200,000 surprise waiting to happen. Nexes Sentinel, our AI compliance intelligence agent, scans your existing policy against current NSW regulatory data and surfaces the gaps. Free intake. $497 only if you want the full broker-ready report.
Built on patterns. Not opinions.
Mistakes happen. Insurance gets misclassified. Wages get under-declared. Brokers sell you what they sell, not always what fits.
Nexes Sentinel is built on NSW icare WIC schedules, standard exclusion patterns from QBE · Allianz · Liberty · Zurich · CGU, Fair Work Modern Awards, the Privacy Act, and the gap patterns we've catalogued across hundreds of AU SMB policy schedules.
It cross-checks your existing documents against that corpus and surfaces the inconsistencies your paid professionals didn't — so you can walk into your broker with specifics, not vibes.
CREDIBILITY BY METHOD. NOT BY CLAIM.
Every Aussie business has insurance. Almost none of them have it set up right.
They are either overpaying, or they are not actually covered for the work they actually do — and they do not know which.
You submit your docs free. Sentinel scans them. We come back with what we found.
If we found gaps that matter, $497 unlocks the full broker-ready report — every finding cited to the exact line in your policy, ready to take to your broker.
If we found nothing material, you owe nothing. Your documents are deleted.
FREE TO LOOK. PAY ONLY IF IT'S WORTH IT.
8 gaps almost every AU SMB has.
These are not theoretical. They are patterns we see in nearly every policy review. Most owners do not know any of these are sitting in their schedule.
WIC code mismatch
Workers comp classification does not match what your business actually does. icare can back-bill years of premium plus penalties.
"On-hired contractor" exclusion
Your PL has a buried clause saying subbies are not covered. One injury on site can end the business.
Wage under-declaration
You declared once and never updated. icare reconciles annually and back-bills with interest.
Missing principal’s indemnity
Your major client requires their name on your COI. Yours is missing. They can cancel the contract.
Cyber cover absent
You hold customer PII. You have zero cyber cover. Privacy Act 2026 fines start at $50k.
Activity-specific sub-limits
Heights, hot works, asbestos — all have sub-limits or exclusions buried in the schedule.
Tools / plant under-declared
You carry $50k of tools. Policy covers $5k. Theft happens. You eat the difference.
D&O / director cover missing
As Pty Ltd director you can be sued personally. Without D&O, you pay out of pocket. Personal bankruptcy is real.
5 steps. 72 hours. Pay only if it's worth it.
Submit your docs (free)
5-min intake form + email us your COI, policy schedule, WorkCover notice. Zero payment at this stage.
Sentinel scans them
6 standard checks against your specific business. Every finding cites the exact line in your schedule.
We send you what we found
48-72 hours later: a teaser email with the headline findings — what gaps, what they could cost.
Pay $497 for the full report (only if you want it)
If our findings matter to you, $497 unlocks the full 5-page broker-ready report with citations and action steps.
Found nothing? No charge.
If Sentinel finds nothing material, we tell you that and you owe nothing. Your docs are deleted.
Why this is the easiest yes you will say all month.
No findings means no charge. The intake is free; the $497 only buys the full report once you've seen the headlines and decided it's worth it.
Compliance brand. Compliance practice.
We sell compliance intelligence, so our own data handling has to walk the talk.
What we collect: only what we need to run the audit. Your insurance documents (COI, policy schedule, WorkCover notice), your ABN, business name, and a 1-paragraph activity description. Nothing else.
Where it goes: processed via Anthropic Claude API under commercial terms (no AI training, encrypted in transit and at rest). Operator inbox is staffed by one person — the founder, Ethan Kay.
How long we keep it: 90 days then deleted. Earlier on request — email privacy@nexes.com.au and we'll delete same business day.
Who sees it: only Nexes. We do not share with insurers, brokers, comparators, or any third party without your written instruction.
Full disclosure: Legal & T&Cs · Methodology
The honest answers.
Are you a licensed insurance broker?
No. Nexes does not hold an Australian Financial Services Licence (AFSL) and does not provide financial product advice. Nexes Sentinel is an AI compliance intelligence agent that performs a documentary diagnostic — it reads your existing policy and identifies gaps. Your licensed broker actions any policy changes. We operate in the same legal lane as an HR consultancy reviewing your existing arrangements.
What exactly is Nexes Sentinel?
Nexes Sentinel is the AI compliance intelligence engine behind our audits. Trained on Australian regulatory data: NSW icare WIC code schedules, standard policy exclusion patterns from QBE / Allianz / Liberty / Zurich / CGU, Fair Work Modern Awards, the Privacy Act, and ATO sham contracting indicators. Reference data updated quarterly. Sentinel scans your existing documents, identifies exposures, and hands findings to your licensed broker / accountant / lawyer for action. See /methodology for details.
How can the audit be free?
Because most policies have at least one finding worth your broker's attention — and we're confident enough in that to do the scan upfront. If we find nothing material, we tell you that and you owe nothing. If we find something, you decide whether the full report is worth $497 to you.
What's in the free vs paid version?
Free: a written summary of what Sentinel found in your docs — the gap headlines, the rough cost exposure, enough for you to know whether it's worth pursuing. Paid ($497): the full 5-page broker-ready PDF — every finding cited to the exact line in your schedule, recommended discussion points for your broker, prioritised action sequence. The full report is what your broker actually needs to act on.
What if my broker disagrees with your findings?
Every finding cites the exact text in your policy schedule (page + quote). If your broker disagrees, they have to argue with the words in your own policy. Most of the time they thank us.
How is my data handled?
Documents are processed via Anthropic's Claude API (no AI training, encrypted in transit and at rest, US/EU regions). We retain documents for 90 days for refund/dispute resolution then delete them. Not shared with insurers, brokers, or any third party without your written consent. Full detail on /legal §06.
How long until I get the findings?
48-72 hours from when we receive your 5 documents. Most are turned around in 24-48 hours.
What states do you audit?
NSW only for now. VIC and QLD coverage coming next — WIC analysis is state-specific so we do not bluff it.
What industries do you specialise in?
Labour hire, construction, trades, cleaning, property maintenance, transport. Strongest signal density. If you are in a different industry we will still do the audit but flag any borderline finding.
What if I pay $497 and want a refund?
The product is the report itself. Once it's delivered to your inbox, the sale is final. Unauthorised or duplicate Stripe charges can be raised within 14 days at audit@nexes.com.au. Full refund policy on /legal §05.