Insurance, Business, Business Insurance
Finding your way through the business insurance maze:
Protecting your business from the financial impacts of unexpected events begins with a fact finding mission, not by taking out insurance.
Why? Because until you know all the potential risks of your business environment and the industry in which you operate, you won’t know what sort of cover you need. And even when you’ve worked that out, you have to decide the best way to manage that risk — and usually, insurance is just one component of a good risk management strategy.
It might sound time consuming and complicated, but without this sort of approach, you could easily underinsure your business (which might be as bad as not insuring at all), or over-insure (which means money down the drain every time you pay your premiums).
That’s why an experienced and well-credentialed insurance broker is such a valuable asset in helping you protect your business.
Questions to ask us include:
-A good broker understands your business and works on your behalf
-Things to ask your broker
-What does this policy exclude?
-What do other insurers offer?
-Have you covered other similar businesses? Do they have exposures that might be relevant to mine?
What does a broker actually do? The role of a broker is to act on your behalf and recommend both risk management strategies as well as insurance solutions. Your broker should help you:
-Understand the various risk exposures of your business
-Identify ways that you can reduce any of those risks and therefore potentially pay lower insurance premiums (perhaps through better maintenance programs or through upgrading locks or security systems)
-Determine how much risk to transfer to insurance and how much (if any) you might retain
-Ensure you fully understand your legal obligations as a business or employer of people.
Visit our website for more information: https://business-insurance.aon.com.au/
Or call our friendly team on: 1800 246 266
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