For owners with utes, machines and a yard
Five utes in the yard. How many are on the schedule?
Your insurer pays on what's listed on your policy schedule. Not on what you own now. Bought gear since it was set up? Put on staff? Moved to a bigger yard? A licensed broker can go through it with you.
4 quick questions. About a minute. Duly costs you nothing.
Duly. We do your due diligence, so you can take care of your business.
No. 01Since your last renewal
Two more utes, a tipper and a bigger shed. Is any of it on the schedule?
Think back to the last time someone went through your insurance line by line.
Since then, maybe you bought two more utes. A second digger. A tipper. You moved into a bigger shed. You put on three more blokes. You won a job twice the size of anything before.
The schedule is the list of what you're insured for. Does it know about any of that?
No. 02A made-up example
Say a $90K excavator rolls off the float. The insurer reads the schedule, not the yard.
Say it's on the M1. You bought it last year. It went on finance. Nobody rang the insurer.
Now you ring them. They open your schedule and read what's on it. Not what was on the float.
That's one phone call no owner wants to make. So ask now: is your newest machine on there?
No. 03Vero SME Insurance Index 2026
Only 42% of small businesses check what they're insured for each year.
That's from the Vero SME Insurance Index 2026. The same survey found more than a third had a claim go badly. The cover was not enough.
Building costs are up about 27% since COVID, says Howden (2025). So a shed insured at 2020 prices may not pay to rebuild it today.
No. 04"She'll be right"
The schedule gets read the day after the fire.
Or the break-in. Or the rollover. That's a bad day to read it for the first time.
By then the list is the list. You can't add the new ute after it's gone.
One call with a broker now beats that call to the insurer later.
No. 05How Duly works
Four questions. Then one call from a licensed broker.
Duly asks you 4 quick questions about the business. We pass your answers to a licensed insurance broker who works with businesses like yours.
Then the broker will give you a call within 2 business hours. On the call, they can go through your schedule against what you own today. You decide what happens next.
- Duly costs you nothing.
- One call from a licensed broker, no obligation.
- Keep your insurer if you like. Nothing changes unless you say so.
How it works
- 01
Answer 4 quick questions
What you do, roughly what you pay, what's changed and when you renew. About a minute.
- 02
We pass them to a licensed broker
One broker who works with businesses like yours. We text you their name.
- 03
Take one call
The broker will give you a call within 2 business hours. They can go through your schedule with you. You decide what happens next.
Is your newest machine on your schedule?
Answer 4 quick questions. A licensed broker will call you within 2 business hours. No obligation.
4 quick questions
Fair questions
More utes in the yard. Same old schedule?
4 quick questions now. One call from a licensed broker. Duly costs you nothing.