Own a Small Business? Here’s why you should consider using a broker.

April 09, 2019

Small business owners tend to be born optimists with little inclination to think about what could go wrong. That’s why it pays to have an insurance broker in your corner to safeguard what you’ve worked for.

Business people are great at dealing with the complexity of what you do, whether it’s running a café or a consultancy. However, they are rarely insurance experts.

“What they may not understand is the broad range of risks they face,” says Dallas Booth, chief executive of the National Insurance Brokers Association (NIBA) of which Ausure Insurance Brokers is a member.

 

Utilise your business insurance broker’s experience

A business insurance broker will help identify the risks your business faces, then get the insurance package that matches those risks. “There’s no point buying a business package off the shelf if it only covers some of your risks,” says Booth.

 

Save yourself time

Anyone who has compared car, home or health insurance policies to try to find the best deal knows how time consuming it can be. Choosing a business insurance package is even more complex because of the range of risks requiring cover.

A business insurance broker will not only save you time sourcing the right policy, they can also save time and money if you need to make a claim.

 

Access better deals and cover 

Buying the wrong insurance cover cheaply can be expensive, whereas paying a bit more for the right cover can save you money. In some instances, an insurance broker may even be able to negotiate a better deal in terms of both price and coverage.

“A broker will find the business package that covers their client’s risks at the best value for money,” says Booth.

An insurance broker also keeps the business up-to-date when new policies become available and advises them when their assets need upgrading.

“If you have to make a claim, it’s good to have someone on your side for your business insurance needs”

 

Back-up when you need it

“If you have to make a claim, it’s good to have someone on your side,” says Booth.

Your insurance broker works for you, not the insurer. A good broker can prove invaluable support if a claim needs to be made, by co-ordinating the claims process and understanding the wording of what is and isn’t covered by your policy.

Behind every Ausure insurance broker is the wealth of knowledge and support of the Ausure Group. If an insurer turns down an initial claim, your Ausure team can determine, based on the facts of the claim, if there are grounds to appeal and provide the expertise and support needed to put this into action.

Most business owners find the right insurance broker by asking their trusted business colleagues or friends. Ausure brokers find most of their clients come to them through word of mouth. In this way, you can be sure you’re working with an insurance broker with a good reputation, one whom you trust and are happy to have a long-term relationship with. This is the core of what Ausure provides.

 

Whether you are looking for a quote over the phone, or would like to meet with a broker – contact Ausure today on 1300 587 225. Alternatively you can complete a quick form here and we will get back to you with a quote.

 

Ausure is one of Australia’s largest providers of insurance broking and financial planning services, not owned by a bank or insurance company.  We’re located right across the country, making it easy for you to find a local Ausure insurance broker to chat to in person near to where you live and work.

Our insurance advisers offer a complete range of business and general insurance options from all major insurance providers. Together, we’ll assess risks and find the right insurance solutions and strategy for your business.

Contact Ausure today, and enjoy having the peace of mind knowing your business is protected.