Meet Fariha

The broker who's sat
on both sides of the table.

Founder & Managing Director of FN Insurance Advisory, Fariha brings over 20 years of specialist experience across major insurers and leading broking houses to every client engagement.

Having underwritten Financial Lines risks at AIG, Vero and CGU — then placed complex programmes at Aon, Gallagher and CFC — she understands exactly how policies are written, how claims are assessed, and how to structure cover that truly responds when it matters most.

LicenceCBN Authorised Representative
CAR 1318594 · AFSL 233750

Experience20+ Years
Insurer & Broker Roles

SpecialisationFinancial Lines · Cyber
Professional & Management Liability

BasedNorth Kellyville, Sydney
Servicing clients nationally

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The Difference

Having been on both sides — here's how that benefits you.

Most brokers have only ever worked in broking. Fariha spent years as a Financial Lines underwriter before moving into senior broker roles — which means she reads policy wordings the way insurers write them, and structures placements the way claims managers think.

That dual perspective is not something you can replicate without living it. It means fewer gaps, better wordings, and stronger advocacy when you need it most.

Insurer Perspective

How claims are assessed
Policy wording interpretation
What insurers look for at risk review
Exclusion triggers & aggregation

Broker Perspective

Market access & negotiation
Risk presentation strategy
Premium benchmarking
Claims advocacy & support

Insurer +
Broker

How I Can Help

Specialist advice across your entire risk profile

🛡️

Financial Lines & Liability

Professional Indemnity, Management Liability, Cyber, D&O — my core specialisation. I structure these with the precision of someone who has underwritten and placed them for 20+ years.

🔍

Coverage Gap Analysis

Many businesses are underinsured or have gaps they're unaware of. I review your existing programme and identify exactly where you're exposed — before a claim reveals it.

📋

Policy Wording Review

I read policy wordings the way insurers write them. That means I can identify restrictive clauses, problematic exclusions, and sublimits that could affect your claim outcome.

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Construction & Trade

From residential builds to commercial developments — contract works, legal liability, and contractor cover structured around the actual risk at each project stage.

✈️

Corporate Travel

Comprehensive travel cover for individuals and workforces — medical evacuation, cancellation, equipment, and personal liability for domestic and international travel.

🌱

Carbon & ESG Insurance

An emerging and under-served market. I'm actively building a specialist practice in carbon credit, ESG liability and sustainability risk — positioning clients ahead of the curve.

The broker who's saton both sides of the table.