Who we are
Bright Insurance was launched in 2022, fueled by our founders decade plus of industry and regulatory experience.
Noticing outdated practices and lack of quality advice for high-growth and rapidly evolving companies, the inception of Bright Insurance was driven by the realisation that there had to be a better way to approach insurance.
From start-up to IPO, our mission is to provide the most seemless and intuitive insurance experience anywhere in the market. We’re genuine and upfront about what coverage you need, laying out the best risk management options to protect your growth.
We understand that our clients’ needs are diverse and unique, and can change quickly. That’s why we are available any time, day and night, to help guide and support your business.
HOW WE WORK
Our Approach
We provide tailored, scalable services that evolve with you — providing the protection you need to thrive at every stage of growth. From securing you as you launch, providing confidence to investors when you fund, to planning an IPO or exit; we’ve got you covered.
Formation
Setting the foundation for success.
Our advisers help you identify and mitigate early risks, ensuring your business is built on a strong and secure foundation.
Funding
Preparing you for growth.
We align your risk strategy with investor expectations, giving you the confidence to secure funding and scale.
Scaling
Protecting your momentum.
As your business grows, we provide tailored solutions to safeguard your operations, team, and assets.
Maturity
Stabilising for the future.
Our advisers ensure your business remains resilient, optimising risk management for sustained success.
IPO
Guiding your big leap.
We help you navigate the complexities of going public, ensuring compliance, transparency, and protection for this pivotal milestone.
Exit
Closing on your terms.
From mergers to acquisitions, we support a smooth transition while safeguarding your legacy.
BIO
Richard Moxham
PRINCIPAL ADVISER & FOUNDER
Richard Moxham is a seasoned insurance professional, having held senior leadership roles across the industry. He brings deep expertise in crafting tailored insurance solutions that help businesses, especially startups and high-growth companies, manage risk and scale with confidence.
Richard is known for his client-focused approach, and his commitment to transparency and ethical practices in insurance. At Bright, he leads with integrity, innovation, and a genuine passion for helping emerging businesses succeed.
Outside of work, Richard is a proud dad to a growing family of boys, a self-professed geek and student of all things tech, and a passionate participant of AFL SuperCoach.
FAQ
Questions people ask
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Depends on which insurance broker! Unlike other insurance brokers, at Bright Insurance we work on a transparent, fee-for-service model. We do not accept commissions or kick-backs of any kind, which gives you the piece of mind that we are dedicated to finding you the best coverage for the best price.
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The types of insurance you need depend on your industry, business size, and specific risks. Core policies include general liability, professional indemnity, cyber liability, and workers’ compensation. The insurance world is complex and can be tailored to your specific risks, so please get in touch to discuss how best to approach your risk management.
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If an incident occurs that’s covered by your policy, notify your insurance broker or insurer as soon as possible. From there, the claims process begins; your broker will guide you through submitting necessary documentation, working with claims assessors, and ensuring your claim is handled efficiently. Our goal is to make the process as smooth and stress-free as possible, so you can focus on getting back to business.
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Coverage amounts can vary greatly based on your business operations, assets, potential liabilities, or contractual requirements. An insurance adviser can help assess your risks and recommend appropriate limits so that you are not under, or over, insured.
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Cyber liability insurance is designed specifically to cover risks related to data breaches, hacking, and other cyber threats. General liability and other business policies typically do not cover cyber risks.
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This is forefront on our minds when recommending any insurance policy. You can reduce premiums by bundling policies, improving workplace safety and compliance, increasing deductibles, and maintaining a good claims history. At Bright, by removing large insurance commissions that are built-in to the premium, this can save a considerable amount.
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Insurance reviews don’t only have to happen annually. It’s best to review your insurance whenever there are changes in your business, such as growth, new products or jurisdications, or changes in operations.