We’re here for fearless decision-making.

  • Ripple Insurance is a local insurance brokerage dedicated to developing collaborative, long-term partnerships and genuine connections with our business partners to ensure we’re on the pulse of their growth and maturity, as well as their evolving industry risks and demands.

    In business, every decision creates a ripple effect. That’s why our insurance solutions are designed to address both immediate and long-term business goals, empowering you to make decisions with coverage options that help to protect you now and into the future. 

  • We offer insurance solutions with immediate and long-term impacts.

    Working across a range of industries such as hospitality, retail, design, construction, manufacturing and financial services, our extensive experience helps us to personalise insurance programs to the needs of our business partners.

  • Local, dedicated advice with the support of an established, national network.

    As a corporate authorised representative of McLardy McShane Partners Pty Ltd, Ripple Insurance has the backing of a group with over 36,000 clients and $500m gross written premium nationally, all with the flexibility and responsiveness of your local small business.  

Nicole Mills

Managing Director & Principal Advisor


I am a collaborative insurance broker with over 20 years of experience in top-tier international broking firms. My extensive technical insurance knowledge empowers clients to make informed decisions that safeguard their businesses. Driven by an inquisitive personality, I delve deep into understanding each client’s unique needs. My resilient ‘can-do’ attitude enables me to navigate complex challenges across diverse industries, consistently finding effective solutions. Committed to strong compliance ethics, I ensure that all advice offered is sound and trustworthy.

Having completed my Diploma in Financial Services (Insurance Broking) and recognised as a Senior Associate CIP Member Issued by Australian and New Zealand Institute of Insurance and Finance, I bring a wealth of specialised knowledge and expertise to Ripple Insurance.
 
I have worked across a varied client base spanning such industries as Investment/Fund Managers, Accountants, Other Financial Service Companies, Architects, Designers, Other Professional Services, Transport, Construction, Manufacturing, Food Production, Large Retail Chains, Hospitality Groups including Hotels, Pubs & Restaurants, Telecommunications, ASX200 Companies, Private Family Assets & More.

With extensive experience in managing complex claims, I excel at finding tailored solutions for clients. My deep understanding of claims management allows me to navigate challenges effectively, ensuring optimal outcomes. Committed to client satisfaction, I provide personalised support and expert advice, consistently delivering exceptional results.


"I found Nicole to be very friendly and approachable, extremely knowledgeable and professional. In my somewhat niche business, Nicole was able to succeed where other brokers wouldn't venture.

Nicole had the ability to understand my needs and communicate them effectively to her insurance panels. I am very grateful to her for providing me with policies that exceeded my expectations at what I consider very reasonable costs. I am very happy to recommend Nicole."

— Phil Sanders of Vibration Services Australia Pty Ltd

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