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Why you should tap into the expertise of an insurance broker

Comparison insurance websites are useful. But how satisfied are you with their advice and service?

Luckily, there’s an alternative.

Professionally qualified insurance brokers live and breathe policies, understand insurance-speak, advise on risk management, and love helping their clients fast-track their claims. They’re trained in insurance practices and management. Brokers qualify with a Certificate III Diploma in Insurance Broking, or a university degree, and once they’re in the field undertake continuous professional development. They also abide by the national Insurance Brokers’ Code of Practice.

We follow this code to the letter.

That’s why we take time to get to know your circumstances. We can then advise you on both the range and extent of risks you could face and how to deal with them. We do this in-depth assessment with each of our clients, and use technology tools to advise how you can mitigate your risks, including with insurance.

Tailoring a package of insurance policies for your consideration offers you protection for risks to match your budget. We’ll explain to you the terms, conditions, excess, benefits and inclusions for each policy. If you run a business, for example, relevant coverage might include public liability, professional indemnity, property insurance including business interruption, and workers’ compensation.

Honest, impartial advice

Brokers like us aren’t beholden to any insurer – we work for your best interest, not insurers’. We work independently to insurers and always act in your favour. Our advice is generally more comprehensive than you’d find on a typical insurance comparison website.

Savings on your premiums

As your broker, we’re able to negotiate with insurers on your behalf to secure competitive premiums. Sometimes we’re able to access policies directly that general consumers can’t. For instance, if you or your business have risk management strategies in place, such as a back-to-base alarm on your home or premises, we negotiate on your behalf that you deserve a lower premium. We’ll ensure you have the choice to pay your premium by the month or annually.

They save you time

When it comes to risk management for your personal or business needs, as your broker, we can guide you on insurance coverage. When it comes time to claim, we’ll support you as an advocate to ensure you get all your entitlements promptly. You don’t have to waste time or have the worry of dealing directly with the insurer. We’re by your side for the whole process, from filing the claim to understanding what needs to happen next. That means we check with the insurer and update you throughout.

At policy renewal time, we’re by your side to review your policy against your current situation to ensure they’re a good fit. Having a single point-of-contact for your claims, policy changes, reviews and ongoing support are the benefits many people and businesses enjoy by using an insurance broker.

Article supplied by OneAffiniti

Photo by Cytonn Photography on Unsplash