Tag: Adroit Insurance (page 1 of 5)

Adroit Annual Charity Golf Day 2017

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It’s been an exciting year for us at Adroit and we’re especially thrilled about next week’s 16th Annual Charity Golf Day!

Held at 13th Beach Golf Links in Barwon Heads on 23rd November, the day promises to be an entertaining and enjoyable outing for everyone involved.

It’s always rewarding to be able to help our local community wherever we can. This year has been particularly gratifying, as along with our community partner the Geelong Community Foundation, who have supported us to distribute funds, we’re proud to give the inaugural Adroit Golf Day Capital Grant of $100,000 to Bethany Community Support.

This grant – funded by the proceeds of the Golf Day – is an important milestone in the evolution of our event.

As part of their family violence program, Bethany Community Support will use the grant to develop a Men’s Centre – the first of its kind in Victoria. This important project aims to help address the increase in domestic violence.

Providing a comprehensive response, the Men’s Centre will offer a suite of services that aim to both prevent and respond to family violence issues.

These services will include men’s behaviour change programs, counselling, fathering programs and mental health assessment and treatment, going a long way to filling a gaping hole in the community’s response to family violence.

Having identified a need to stop the destructive cycle of family violence, Bethany’s programs of education and inclusion, which address the underlying issues that lead to such negative behaviour, will no doubt save lives.

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Make a date to stay up-to-date

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It’s no surprise how quickly life can change – the only thing you can be sure of is that occasionally, the unexpected will happen. Whether it’s in your business or your personal life, there’s always something new just around the corner.

With this in mind, it’s important all your insurance needs are being met. Just like an outdated fashion trend, an insurance policy you purchased but have never reviewed is unlikely to still be a good fit. A “set and forget” approach is one that can lead to unpleasant surprises down the track, but thankfully can be easily prevented by regularly reviewing your level of coverage as your circumstances change.

Getting married, having children, a promotion at work, major purchases or downsizing – these are all major life events that mean your insurance needs will change accordingly.

Don’t forget your business insurance either – just as personal circumstances change, businesses change over time too. You might be offering different products or services, your team may grow or shrink, and new opportunities can see your business evolve in directions you never expected. That’s why it’s so important to keep your insurance policies current and relevant to your business activities.

Just like a regular check-up with your doctor is essential for your personal health, a periodic check-up with your insurance broker is absolutely necessary to ensure you have the best level of coverage for your circumstances.

Adroit’s personalised approach ensures you have everything you need (and nothing you don’t) giving you peace of mind that in the event of the unexpected, you’re fully covered.

You should always consult your qualified insurance broker for advice on the best policies available to suit your needs.

Regional Victorian Business Survey 2017

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Here at Adroit, we love where we live. We share in the pride our communities have for our amazing regional Victorian towns.

Celebrating and exploring our communities, it is with great satisfaction that I release the results of our second annual ‘Regional Victorian Business Survey’. The survey shows the mindset and attitude of a wide range of businesses across regional Victoria.

Regional Victoria is powering ahead, and the mood is positive!

It’s been a prosperous 12 months for local businesses and it is very satisfying to see a strong confidence that the year ahead will be even better. Most businesses that we surveyed think they’ll be increasing revenue next year.

Business confidence that should translate into further jobs growth. Around a quarter of businesses predict they will increase staff numbers. This is encouraging for our regional communities that sometimes struggle with growth in employment opportunities.

Within the broader good news, the survey identifies areas of concern and red-flags. Businesses are extremely wary of over-regulation, with many making a point of decrying the ‘nanny state’ culture that appears to be deepening in Victoria.

Market and economic conditions can be tough, and dealing with unnecessary red-tape on top of that can be a barrier to growth for many of our regional businesses. Almost half of the businesses we surveyed are unhappy with the State Government. They are looking for the Government to lift their game, with better investment in infrastructure, public transport and broader community support, areas that have been neglected by successive Governments.

Businesses are optimistic about the future but want to feel that Regional voices are being heard by those making long-range decisions that could impact their business. Especially at a time when competition for business and shifting consumer behaviours and global forces are making the waters even trickier to navigate.

We hope this survey becomes an important tool, not just for regional businesses, but also for the government and commentators in evaluating the future of regional Victorian communities and the vibrancy of their economic contribution.

Here are some highlights from the data; to learn more, download the complete survey here.

 

ADROIT PROCTOR INSURANCE & RISK

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Trickey & Proctor Insurance Agencies have long been established as the local insurer of choice in the West Gippsland area, and in a recent exciting development, the business has teamed with larger regional insurer – Adroit Insurance and Risk – to expand its services to trade under the new name, Adroit Proctor Insurance & Risk. The business will continue to operate out of its current offices in Drouin.

The collaborative venture will ensure existing customers benefit from having access to the most competitive and tailored insurance solutions on offer.

Jeff Proctor, the original owner of Trickey & Proctor, explains that it was time for growth. “We knew Adroit Insurance & Risk was the only fit for us and our clientele going forward. It was important we partnered with a leader in the insurance industry who placed customer service at the forefront of its core value system.”

Adroit Insurance & Risk, Managing Director, Andrew Locke, looks positively towards the future.

“The merge with Jeff and the team at Trickey & Proctor aligns with the Adroit model and ambition to partner with likeminded and quality people.”

“The partnership will be sure to bring additional scale advantage to the existing clientele of Trickey & Proctor as well as offer the community of Drouin a sustainable local insurance presence well into the future,” says Mr Locke.

The new partnership cements Adroit Proctor Insurance & Risk as the leading expert in the local insurance industry.

The dedicated team of trusted advisors are equipped with the best products available to ensure customers are fully protected from unexpected risks now and into the future.

KEEPING UP WITH THE WORKPLACE REVOLUTION

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New Liabilities for Virtual Assistants

Have you noticed the significant shift in the workplace lately, as managers begin to appreciate the value of offsite services from Virtual Assistants?

The benefits of being a Virtual Assistant include greater flexibility, spending less time and money commuting, a happier, more productive day and a chance to be your own boss.

For business, the cost of technology and telecommunication services to allow for remote work has also never been cheaper. This allows for greater flexibility in workforce management and reduced overheads such as office rental, equipment, superannuation and human resource management to name just a few. The business can now select the best-skilled worker for the job, no matter where they live.

An added benefit for the business is it can limit liability by contracting out the work to a Virtual Assistant. By taking on the work, a VA owes a “duty of care” to the business in the performance of the services. Any negligence, mistake or error in the services provided could result in a claim against the Virtual Assistant. For this reason, a Virtual Assistant should consider these insurance policies to protect themselves properly:

Professional Indemnity Insurance

This is likely to be the greatest risk for Virtual Assistants who provide professional services. The policy will cover legal costs to defend against allegations of a mistake in the advice provided and any resulting damages award or settlement amounts agreed to.

Here is a typical claim example:

A Virtual Assistant provides website management and social media updates on behalf of a business. A third party alleges the content of the post is misleading and deceptive and the third party sues the business. The business, in turn, joins the Virtual Assistant as a defendant to the action or the business may seek to redeem all associated costs and expenses from the Virtual Assistant after the claim is finalised.

Cyber Liability Insurance

Cyber liability is the fastest growing insurance risk in Australia. The policy will cover claims where a loss of personal data results in a breach of privacy or a hacker attacks the Virtual Assistant system.

Here is a typical claim example:

A Virtual Assistant provides bookkeeping services on behalf of a business. The Virtual Assistant’s system is hacked by a cyber criminal and the personal records of the business’s clients are stolen. The hacker also inserts malware to encrypt the system and a virus, which is passed back to the business and infects their system also. A cyber policy will cover the cost of a ransom payment, the costs to restore and recollect any lost data, the costs to remove malware and fix your system and any business your system infected and the loss of income during the downtime, as a result of the hack.

Public Liability Insurance

Public liability insurance covers the Virtual Assistant if they cause bodily injury or property damage to a third party. However, most Virtual Assistants wouldn’t usually be that hands-on nor have foot traffic. This presents a significantly lower exposure and would result in greatly reduced insurance costs. It’s important to remember that many domestic home insurance policies will specifically exclude any claims resulting from business-related services.

Here is a typical claim example:

A work-related delivery is sent to your home, it could be documents, products, samples etc. The delivery person falls and suffers a serious back injury as the handrail on the stairs to the front door gives way. The delivery person sues the Virtual Assistant for bodily injury claiming negligence for a poorly maintained and unsafe handrail. The policy would cover legal costs and damages award against the Virtual Assistant

Some businesses will require the Virtual Assistant to maintain a minimum level of insurance cover before they can even commence working. We expect this mandatory requirement to keep growing, as the use of Virtual Assistants continues to grow with it.

Each individual Virtual Assistant’s insurance needs will be unique and we’ll work with you to find the best possible protection.

For a FREE ‘’no obligation’’ discussion about your insurance needs, get in touch with Amy O’Sullivan from Adroit Insurance Group on amyo@adroitig.com.au or call 03 5331 8317.

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