We recognise that few people like purchasing insurance or have the technical expertise to understand what’s included within their insurance policy. For those buying insurance, it can be difficult to know if you have the correct insurance, with the correct level of cover in each section of your policies, from the right insurer at the best possible premium.
There are over 150 different insurers operating in Australia, some are specialists and others have a broad insurance product range; there are new entrants and insurers leaving the market all the time.
Which insurer is the right one for you and how do you know if you have the right type and level of cover, specific to your business?
At Benjamin & Benjamin Insurance Group, our focus is to understand the business needs of the insured, so the owners sleep better at night because they are not over or under-insured, but they have the right insurance for their business.
Our role is to make the process easy, provide comprehensive insurance advice, implement our client’s specific & agreed insurance program, manage insurance changes throughout the policy period, manage any claims and, above all, make navigating their insurance requirements easier for them.
To do this we need to get to know your business. This involves more than just filling in a form once a year. We want to speak with business owners to know where the business has come from and where it is going, to visit your place of business and to observe your business in operation. What we observe and get to know about you and your business assists us to negotiate a lower-risk profile with insurers where possible, the basis to reduce your premium.
Business insurance we can assist with includes but is not limited to:
As part of our service, we are happy to provide a no-obligation Insurance Audit to show prospective clients what we can do for them. While every audit is different in nature and scope, the process normally includes: