The rise in financial complexity and consumerism creates the ideal environment for the general insurance broker to be elevated in their clients’ eyes to that of a seasoned professional, much like the way they view their lawyer, banker or accountant.
No one should claim complete confidence in predicting the future, but we feel that the broker that can integrate themselves with the client, understand the choices that need to be made and help the client to make them, has a strong foundation. This is a basis for business that stands up to scrutiny from a conduct perspective.
We don’t see it as a particularly price-sensitive model. We see it as a value-sensitive model.
For a confidential conversation about your insurance programme, contact an Insurance Advisernet Member Broker today.
Written by Insurance Advisernet New Zealand
General Advice Warning
The information provided is to be regarded as general advice. Whilst we may have collected risk information, your personal objectives, needs or financial situations were not taken into account when preparing this information. We recommend that you consider the suitability of this general advice, in respect of your objectives, financial situation and needs before acting on it. You should obtain and consider the relevant product disclosure statement before making any decision to purchase this financial product.
SME Business Insurance Pack
What is it?
Having adequate business insurance cover is one of the most fundamental parts of being in business, as it provides invaluable protection against a range of risks/events – equipment and assets, legal liability, reducing financial uncertainty and protecting your livelihood and that of your workforce. Insurance companies provide a wide variety of general business insurance policies so it’s essential to get the right one for your needs.
What it covers?
Business Insurance policies typically allow you to select relevant sections of cover based on your individual needs, and then group them all together in one policy. It’s important to remember the sections of cover, and the cover itself, can vary considerably from insurer to insurer. Some of the coverage that a standard business insurance policy provides are:
- Property Damage – covering property damage to your business assets such as buildings, contents, stock and customers goods in the event of an insured incident.
- Business Interruption – covers loss of profits in the event of a property damage claim.
- Burglary/Theft – covering theft of goods from the insured premises.
- Money – covers theft of money in a variety of locations such as whilst on the premises during business hours, outside business hours, during transit, in a locked safe.
- Liability – covers legal liability for injury and/or damage caused to a third party.
- Property anywhere in NZ – covers portable property that you take away from your premises.
- Computer and Electronic Equipment – covers loss or damage to computer and/or electronic equipment.
For experienced and professional advice, contact Insurance Advisernet today. Insurance Advisernet Brokers are specialists when it comes to Business Insurance and make it their business to understand yours.