Welcome to Adroitness, the official Adroit Insurance Blog, where our team of insurance experts provide advice and insights into current and emerging trends.

Ansvar Community Education Grants

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At Adroit, we’re always happy to share things that benefit the community. This month, our valued insurer Ansvar Insurance has opened applications for their 2017 Community Education Program, offering grants up to $50,000 for programs supporting Australian youth which fall under two categories; empowerment and education or outreach programs. Since the program’s launch in 1994, Ansvar has contributed over $15 million to education and life skills programs that have benefited thousands of youths across Australia.

Ansvar is dedicated to providing support and protection to Community Services & Not-for-profit Organisations, have a long history of involvement in the Australian community and philanthropic giving. They provide support to community groups and organisations through a range of activities, including donation drives, sponsorships, strategic partnerships and provide all of their staff members with a community service leave day each year, to enable them to spend time volunteering with organisations and activities close to their hearts. Ansvar’s values align closely with our own, and we’re proud to work alongside them.

To apply for the Community Education Grants or for more information, visit their website.

Geelong Business Excellence Awards, 2017

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We would like to congratulate CEO of St John of God Geelong Hospital Stephen Roberts, the winner of our Business Leader of the Year Award.

We’d also like to offer congratulations to Supatramp and Austin Wines on their wins this year!

Originally published in the Geelong Indy

Adroit Insurance Group is passionate about serving the Geelong community.

After winning the Geelong Business Excellence Awards Business of the Year in 2016, Adroit is committed to sustaining its already impressive brand.

“Our organisation is big on being part of the community,” Adroit Insurance Group Geelong branch manager Darrell Fenton says.

“We’ve strived to build that over the last 15 years. We love being a part of the Geelong community.”

Adroit is a sponsor of this year’s excellence awards and Mr Fenton said it was a terrific opportunity for local businesses to be recognised for their hard work.

“It’s a great opportunity to be involved with all the other businesses in Geelong,” he says.

“We want to be a part of it. We were absolutely rapt to win it last year.”

Adroit is a perfect fit for Geelong.

“Geelong people certainly enjoy their city,” Mr Fenton says.

“The people of Geelong always try and help out local businesses. It makes it a nice, strong community.”

Service is Adroit’s motto.

“We are certainly a service based organisation,” Mr Fenton says.

“Adroit offers superior customer service through a dedicated account manager who provides the best insurance solution for each and every one of our valued clients. Our actual KPIs are measured by client contact and visitation rather than just dollars.”

While Geelong has taken its share of knocks in the business world, Mr Fenton said the city always recovers quickly.

“The city of Geelong is going well – it’s up and about at the moment,” he says.

“There’s a good feel for the city and we want to grow with it.”

Why do engineers need comprehensive insurance cover?

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Due to the nature of work many engineers carry out, they have a crucial duty of care to a wide network of people – including clients, contractors, additional consultants and members of the general public.

As well as covering the physical risks associated with projects involving construction or architectural work, a tailored insurance solution can protect engineers who are also required to offer advice and direction.

Without an adequate level of cover, an engineer can be susceptible to some very serious risks and liabilities, take Anthony for example;

Anthony, a structural building engineer was hired to conduct the final inspection of a building after the completion of a large renovation. Upon inspection, Anthony found several minor items to address which he included in his final report. He had also noticed that the floor beams of the structure were sagging slightly, however, given that this was an older building with wooden beams, Anthony didn’t feel that it compromised the structure and did not include this in his report. Two weeks after the inspection, the building collapsed inward due to a weakening of the interior floor beams. The damage caused to the structure was beyond repair and there was also some damage to the neighbouring building. Anthony was named in a lawsuit and accused of improper a negligent inspection, being held partly liable for the replacement cost of the structure, the damage to the neighbouring building and associated legal costs. All of which would be paid by the insurer (with the exception of the engineer’s deductible), had he been covered.

Don’t be caught in the trap of underinsurance. Professional indemnity insurance covers engineers for the advice and direction they are required to give, whilst public liability insurance covers engineers should they be liable for any third party injury or property damage while they are on-site.

In such a diverse profession including industries such as chemical, forensic, landscaping electrical and civil – it’s important to have a clear and thorough understanding of the specific type of insurance solution required.

Calculating the correct amount of cover for your engineering business can be a tedious and complex process, and trying to do it on your own can be a recipe for disaster. Talk to an Adroit Insurance broker about customising a peace of mind insurance policy to fit your exact needs today!

How to minimise hazards in the home

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There a number of prevalent yet often overlooked hazards in the home that can have the potential to cause some serious safety issues for your family. It’s important to be aware of these hazards to prevent accidents or injuries from occurring.

Below are 5 hazards to be aware of around the home, along with some of the top ways you can minimise them.

Fire

  • Ensure there are fire or smoke alarms installed in your home and check the batteries regularly.
  • Never leave candles or oil burners unattended.
  • Unplug appliances after use and ensure electronic charging devices are not left plugged in when no one is home.

Poisoning

  • Keep all poisonous materials (like heavy cleaning products, insect killer, etc) in a safe place, preferably high up and out of reach of young children.
  • Never empty poisonous materials into unlabelled containers as they can easily be mistaken for other things.
  • Ensure all medication is secured and out of easy reach from children.

Drowning

  • If you have a pool, make sure you have a regulation fence which is kept closed at all times.
  • Empty small leisure pools immediately after use and monitor young children in and around water, especially in the bath. Remember, children can drown in less than 6cm of water.

Slips & Falls

  • Keep steps and pathways leading to the house and interior staircases clear from debris and clutter to avoid tripping and falling down the stairs.
  • In wet areas such as the bathroom, ensure there are non-stick bathmats on the floor, and even on the bottom of the tub.

Mould

  • Ensure wet areas, such as bathrooms, are properly ventilated, and regularly open the windows in bedrooms to encourage natural air circulation throughout your home.
  • Immediately remove any mould you notice it around the house, calling a specialist where necessary.

 

With an increased awareness of potential household hazards like these, you may be able to prevent certain things from going wrong, however, it’s impossible to predict everything. Home and Contents insurance gives you financial protection for your home and possessions should an unexpected event occur.

Keep your home and contents safe!

 

 

What Your Broker Needs to Save You Time At Claim Time

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With any luck, you haven’t been put in a position where you’ve had to lodge too many insurance claims. But in the event things do go wrong, rest assured knowing your insurance broker is there to make the claims process as painless as possible.

One thing you might be wondering is what you’ll need to have on hand when you do need to make that call to your broker. We’ve put together this handy guide to help you be prepared for a few standard questions they’ll have.

-The 4 W’s

Who, What, When & Where. You’ll want to have details of who was involved, what you’re claiming on, what happened, when it happened and where it happened.

-Photos

If you have them, photos can be crucial to your claim. In the case of property damage, you’ll need to provide as much visual proof as possible.

-Evidence

Hold onto receipts for expensive items (scanned copies are sufficient). These can be critical to the smooth running of your claim and sometimes your policy will require proof of purchase in the case of theft or damage.

 

Your broker will do the legwork for you in terms of processing the claim, but having these things on hand will speed up the process (making it less likely that they’ll have to ask for them later!) Of course, each claim is different, that’s why having a dedicated broker is so important. They know your policies and your needs and can tell you what you may need that’s unique to your case.

 

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