Tag: risks (page 1 of 2)

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 Just like an outdated fashion trend, an insurance policy you purchased but have never reviewed is unlikely to still be a good fit.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.

Protecting your business against unique risks

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Do you think it would be simple to walk into someone else’s office, warehouse or factory and make that business run smoothly? If you had to swap with the business next door, suddenly, without making any of your own adjustments to layout – how successful do you think that would be?

If you think that would be a total disaster, you’re probably right. Every business is unique – each one has its own story, its own way of doing things, its own unique group of customers.

No two businesses are alike, even within the same industry. Across multiple differing industries these differences become even more apparent – a large business in the construction industry, for example, faces very different risks to a small hairdressing business or pet parlor at a local shopping centre. So why should they all share the same level of insurance cover? Every business has its own unique set of risks as part of its corresponding industry and individual needs.

One of the main advantages of selecting an industry-specific insurance policy over a more generalised product is that your insurance broker will provide advice on the things you might never have even considered. This involves a comprehensive understanding of your industry, developing personal relationships and delving to discover exactly what risks your business is exposed to, then protecting you from those risks with a comprehensive, bespoke insurance solution at the best possible price. Insurance experts are adept at recognising risks, and they have the experience of working with all kinds of businesses and seeing where others have gotten into trouble – what is an unexpected event for you is something they have probably seen before – and already have a plan in place to address.

Tailored insurance policies for businesses are available to a number of different industries including:

– Agriculture and Viticulture
– Construction
– Hospitality
– Entertainment
– Manufacturing
– Property
– Retail
– Trades
– Engineering
– Professional Services

Within your corresponding industry we will design an insurance solution that’s specifically tailored to you and your individual business needs, allowing you to rest easy knowing that your business is protected from any unexpected and unforeseen occurrences.

A friendly chat with one of our brokers is all it takes to get the ball rolling – make the call today and give yourself the gift of peace of mind with comprehensive cover specific to your needs.

 

Drones & UAVs – Navigating the Insurance Complications

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When companies like Amazon first started talking about using drones as part of their business, the idea seemed more like science fiction than real life. While books being delivered by flying robots is still some way off, recent years have seen an increasing adoption of drones by many sectors.

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Are you fully covered? The problem of underinsurance

Underinsurance

All too often cash-strapped SMEs turn their attention to insurance when attempting to cut costs. We refer to it as “The Umbrella Syndrome”; you don’t think you’ll need your umbrella on a nice sunny day, but then all of a sudden the weather turns…

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Travel the right way – get covered

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It’s that time of year. We’ve wound the clocks back, the days are getting shorter and they’re unfortunately getting colder too. It’s the time of year when Australians of all ages jet off to far away lands in search of the ‘endless summer’ – and could you blame them?

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