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The Value of Using an Insurance Adviser for your Business Insurance Needs

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So... You've got a business to run, and that in itself is time-consuming enough without the added pressures of risk management and insurance transactions. So the big question is - Why are you spending all this time trying to find the right type of insurance protection?

Question - How can Risk Guidance Insurance help your business reduce your exposures to the multiple risks faced within your company?

Identifying and Managing Risks

Every business is exposed to different types of risks. It’s your exposure to these risks that you need to either accept, manage or minimise. Using our experience we identify common industry risks, as well as any specific risks within your business, providing you commercial consideration on whether to transfer the risk to insurance or self-manage yourself.

We can arrange expert risk assessments of your business from either an independent specialist or your insurer. Whether you need to change certain policies and procedures to reduce your exposure to these risks or add additional fire or security protection, we will help you find the best options available for your business needs.

Note: Increased risk management results in fewer incidents and accidents, equating to less downtime to your business, providing the added benefit of reduced future insurance costs.

Choosing the Best Policies

When we have collectively identified your key business risks, it’s time to decide what amount of risk you want to retain or transfer via the purchase of insurance. With numerous insurance providers within the market which host so many product options available, it can be a time-consuming and frustrating job, to say the least.

Risk Guidance Insurance only works with tier 1 insurers, to provide the best possible protection available. We are also accountable for providing our clients with a suitable solution to fit their specified needs. That's the big difference from going direct, when going direct you have nobody to lean on for assistance and can often be left disappointed.

Management Liability Insurance

Management Liability insurance is designed to provide protection to both the business and its directors or officers for claims of wrongful acts in the management of the business.

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Business Insurance

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.

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Business Package

Purchase up to six products under one Business Insurance Package.

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Saving Money on your Premiums

Risk Guidance Insurance has the knowledge and experience to not only identify the best policies that match your specific business needs, but we can also save you money, by negotiating with the insurance company.

Insurance companies like dealing with insurance advisers because they know that the adviser has looked at all the angles and has selected the right policy for their clients. Some insurers only deal with insurance advisers, not the public. Working with us allows you to spend less time on finding the best insurance terms each year and also dealing with claims, as we take on this work for you.

Fast and Efficient Claims Processing

We are not only a good negotiator to obtain you the best outcome, but our industry knowledge and expertise mean we can assist you when you have a claim, enabling you to focus on running your business, this is especially helpful when there is a larger or more complex claim.

We will work with you to provide insurers with documents or information that the assessor or claims officer requires to assess and then finalise the claim as quickly as possible. If there are any issues during the process, they will act as your advocate usually ensuring a better outcome than if you try to do it yourself, while running your business.

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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.

Risk Guidance Insurance, AFSL 288320

This article originally appeared on Risk Guidance Insurance News and has been published here with permission.