United States

ISU Steadfast is an insurance agency network which is one of the largest and most respected insurance agency networks in the United States.

Today its network consists of more than 220 independent insurance agencies benefiting from our valuable services and solutions.

Local capabilities and expertise, backed by the power of an international organization. There management team have extensive experience in the US insurance market and is dedicated to delivering value to our members and strategic partners over the long term.

Unique to our business is the combination of this local experience with the expertise and resources of Steadfast Group, an international organization recognized for operating independent insurance broker and agency networks in Australia, New Zealand, Singapore and the United States of America.

Our Partnerships

Australia

Steadfast Group Limited (ASX 200) is the largest general insurance broker network and the largest group of insurance underwriting agencies in Australasia, with growing operations in Asia and Europe.

With over $15 billion in gross written premium in FY23, this provides scale & flexibility in accessing a wide range of insurance companies, products and competitive pricing.

A Trusted Australian Partner for U.S. Commercial Insurance

Australian owned Insurance Brokerage

dedicated to supporting Australian businesses

exporting or operating in the U.S.

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As a U.S. based - Australian owned insurance brokerage, we have a unique insurance specialisation - with dual-country capabilities allowing HKS to assist businesses navigate the complexity of insurance coverage within the U.S.

About HKS

At HKS Insurance Brokers LLC, we specialise in delivering high-caliber insurance risk advisory and placement solutions tailored for a range of business models, from Ecommerce DTC - via branded website or Third Party marketplaces, to registered US subsidiaries that operate either independently or jointly across both the United States and Australia.

While we take a global view, our strength lies specifically in supporting companies that operate across both Australia and the U.S.. This cross-border focus allows us to navigate the complexity of international insurance with confidence and precision.

Global businesses often struggle with overseas insurance due to unfamiliar regulations, lack of trusted local contacts, or inexperience. Whether you're exporting from a single location or managing operations in both Australia and the U.S., we understand the legal nuances, product requirements, and risk exposures that are critical to getting coverage right — and making it feel manageable.

Our Focus & Expertise

Products & Service

Marine Cargo

Covers goods in transit by sea, air, or land against loss or damage during shipping.
Protects against risks such as theft, damage, spoilage, and loss during transportation, including storage and handling along the supply chain.

Products Liability

Covers legal and compensation costs if a product you manufacture, supply, or sell causes injury or property damage to a third party.
Protects against claims arising from design defects, manufacturing faults, or inadequate warnings, including legal defense costs and settlements.

Corporate Travel

Protects employees traveling for business against medical emergencies, trip disruptions, lost luggage, and other travel-related risks.
Includes coverage for emergency medical evacuation, trip cancellations, flight delays, lost documents, and 24/7 travel assistance worldwide.

Workers Compensation

Covers medical expenses and lost wages for employees who are injured or become ill as a result of their job.
Provides statutory coverage for workplace injuries, rehabilitation costs, and income replacement, while protecting employers from related legal liability.

Cyber Protection

Safeguards your business against financial and reputational loss from data breaches, cyberattacks, and IT system failures.
Covers incident response, data recovery, regulatory fines, business interruption, and third-party liability arising from cyber incidents.

Trade Credit

Protects your business against non-payment or default by customers, ensuring cash flow stability on credit sales.
Covers losses from customer insolvency, protracted default, or political risk, helping businesses trade confidently on credit terms.

Commercial Motor

Covers vehicles used for business purposes against accidents, damage, theft, and third-party liability.
Includes coverage for fleet vehicles, goods in transit, driver liability, and repair or replacement costs following an accident.

Property & Business

Protects your business premises, equipment, and assets against fire, theft, natural disasters, and business interruption.
Covers physical damage to buildings and contents, along with loss of income and additional expenses during periods of disruption.

OUR DIFFERENCE

With offices in both the U.S. and Australia, our team of dual-qualified brokers and advisors deliver seamless insurance program design and placement. We act as your trusted local partner, helping multinational businesses navigate cross-border risks, regulatory complexities, and compliance obligations with confidence.

Bilateral Presence

Specialised insurance for international trade, including importers, exporters, manufacturers, distributors, wholesalers, and e-commerce companies. Identifying and managing cross-border risk exposures throughout the supply chain, from overseas manufacturing and ocean transit to U.S. warehousing, distribution, and final delivery. This includes businesses selling through retail stores in the US, such as Walmart, Home Depot & Target.

Importing & Exporting Expertise

We support businesses of all operating models, whether selling direct via their own website or through online marketplaces:

DTC -Direct to Consumer sellers operating 100% online with their own website or through hosted platforms like Shopify. Alternatively, selling through digital marketplaces on platforms like Amazon, Tik Tok, Shein, Temu, and AliExpress-style channels
Australian businesses exporting locally-Australian made goods
Distributing products manufactured overseas under their own label
Australian companies with a registered US company

Helping navigate US product and general liability exposures regardless of their corporate footprint or fulfillment model.

ECommerce Sales Insurance

We combine deep technical knowledge with personalized service to provide consulting and risk advice that is practical, actionable, and aligned with your long-term business strategy.

Risk Management assessments to identify the complete risk exposures Insurance coverage analysis and proposed adjustments.

Tailored Risk Solutions for Complex Needs

Through our strong carrier relationships and direct access to Lloyd’s and other top-tier markets, we can design solutions where others reach their limits — unlocking coverage options that meet complex or emerging needs.

Global Market Access

While our capabilities are broad, we have expertise in:

Import Export Expertise
Film, TV, Creative & Entertainment Production
Retail Chains and Franchise Stores
Mining, Resources & Equipment
Agriculture, Food & Beverages
Professional Services
Technology & Digital Services

Sector Specialisation

The Team

Our people have a history of building and managing insurance programs for large & mid-market manufacturing & exporting companies with complex operations and needs, with multi-line coverage requirements.

Specialized Knowledge of U.S. & Australian Risks
brings a rare dual-market perspective critical to solving cross-border compliance and placement challenges that traditional brokers often miss.

Damian Hicks
Managing Director
B.B.A
CA Lic #4445480

Damian Hicks is a career insurance professional with over 25 years of experience working with Australia’s largest underwriters and national broking firms across Sydney and Adelaide. Now expanding his impact to the U.S., Damian is focused on helping U.S. and Australian businesses navigate complex, cross-border insurance challenges.

He has held multiple executive roles managing large commercial clients and structuring complex insurance programs across industries such as mining services, transportation, hospitality, wineries, IT service providers, and retail.

Andrew Zander
Websters Trusted Advisers Director
Dip Fin Serv (Brok),
QPIB, ANZIIF Snr Assoc

With over 30 years of dedicated experience in the insurance industry, Andrew offers a unique and compelling value proposition as your trusted insurance broker. His extensive career has been built on a foundation of deep market knowledge, unwavering client advocacy, and a proven track record of securing optimal insurance solutions for his many and varied businesses client.

Throughout his time he has navigated many market cycles, regulatory changes, and evolving risk landscapes. This tenure has equipped him with an intimate understanding of the intricacies of various insurance products, underwriting processes, and claims procedures.

Steve Pratt
Websters Trusted Advisers Director
Dip Fin Serv (Brok),QPIB,
ANZIIF Snr Assoc

Steve is a Director at Websters with over 25 years experience in the insurance industry.

Steve takes a personal interest in his clients to provide them with holistic risk management & wealth creation solutions over the long term.

Passionate about understanding how his clients businesses operate, with the ability to coordinate a number of financial services, Steve is viewed by his clients as a trusted advisor, sharing with them diverse business interests of his own.

“Insurance is more than a transaction—it's a promise of protection, peace of mind, and partnership”

Supporting your business with dedicated & experienced, dually qualified commercial insurance professionals

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