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Meet a Broker: Lisa Carter | Managing Director, Clear Insurance
Lisa Carter is a Queensland-based insurance broker and Managing Director of Clear Insurance. She was the Queensland Top Insurance Broker winner and a finalist in the Top Authorised Representative category in the 2021 Advisr Insurance Broker Awards. Advisr chatted with Lisa about her experience as a broker, her drive to help businesses succeed, and her plans for the future.
Tell me a little about yourself
I'm a mum of 3 great children, love music (particularly live music), play grass and turf hockey, coach my daughter's U9's team and am now one of our club's turf co-ordinators.
How can business owners benefit from working with an insurance broker?
Leveraging the expertise of a risk and insurance adviser in order to best protect their business assets and livelihood.
Who makes an ideal insurance client and why?
Our ideal clients are business owners and boards who are risk management focused and are willing to work with us closely on identifying, understanding and mitigating the risk in their business by transferring to sound and comprehensive insurance programs.
What do you love about being an insurance broker?
The strong, long-term relationships I hold with clients and insurers alike and helping our clients properly understand their business risk.
What has been your experience of marketing your services online?
We have a good digital profile across various platforms and have a clear plan for higher digital engagement next year. Watch this space!
Do you have a particular area of expertise?
We are experts in the hospitality sector with many large hospitality venues as our clients.
Why did you choose it?
It was a natural progression when I started Clear Insurance with industry referral partners we worked with early in the business. We have a great understanding now of the club industry and the intricacies of communicating clearly with boards and executive leadership teams. We really appreciate the spirit and loyalty of the club and hospitality industry, they really do care about what they do for their communities.
Cyber Liability Insurance is designed to help protect you from claims and support your profitability in the event of a cyber breach or attack.
Public Liability insurance is there to provide protection if someone makes a claim against the insured, the business or its employees.
A business insurance pack can provide cover for your business premises and contents, against loss, damage, theft or financial loss from an insured interruption to the business.
Which skills are most important for an insurance broker to succeed in today's market?
The most important skill is to care. Care about what your client's risk mitigation needs truly are and build your advice around that sole focus. Care about how you engage with the market, maintain strong relationships with Insurers and Underwriting Agencies as without them we wouldn't be able to deliver great results to our clients. Care about your professionalism and reputation in the market. Care about being qualified, your technical knowledge, and experience. Commit to ongoing learning and care about delivering professional and quality advice. If you care you will succeed.
What areas of insurance should people be aware of over the next 12 months?
Cyber insurance is and will continue to be an in-demand insurance product as the world moves forward in to the digital era. Property insurance rate rises, capacity, and cover restrictions with the rise in the frequency and severity of storm events globally. Parametric insurance solutions will become more common place as people look to mitigate premium rises and buy protection against particular losses. Continued premium rate rises and insurer portfolio remediation over the next 18 months to 2 years.
What's next for you and your business?
Continuing to care and as a result, attract like-minded clients and team members to succeed with our steady growth plan.
You can find me here: Lisa Carter on Advisr
General Advice Warning: This advice is general and does not take into account your objectives, financial situation or needs. You should consider whether the advice is appropriate for you and your personal circumstances. Before you make any decision about whether to acquire a certain product, you should obtain and read the relevant product disclosure statement.
All information above has been provided by the author.
All information above has been provided by the author.
Annemarie Jamieson | ADVISR
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