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Commercial Insurance From One Expert to Another

Business owners tend to be born optimists who are preoccupied with keeping their businesses successfully up and running but often have little inclination and time to think about what could go wrong. Let’s face it, you’re taken the ingenuity and risk to get your business up and running and are 100% focused on the business at hand, doing what you know and love best. Insurance cover is often the least important thing on ‘to do’ list and that’s why it’s so important have your local Insurance Broker in your corner to safeguard what you’ve worked for. As a business owner, you may think you know what can go wrong but you never realise how much adverse effect a disruption or event on your business can impact your functionality.

In Your Corner

Your Insurance Broker will help to take the difficulty out of choosing the right commercial cover for your business by arranging the required protection in a clear-cut and manageable way. Whether you are a landlord looking to insure a property, a local business owner who is operating out of one office or an office protecting sensitive IP or data, your Insurance Broker can provide you with an insurance package specifically for your business requirements. Because of their market knowledge, experience and expertise, they have the ability to negotiate the best deal on your behalf in terms of price and policy cover.

Anyone who has taken time and effort to compare car, home or health insurance policies to try to find the best deal knows how time consuming it can be. Choosing the right business insurance package is even more intricate because of the range and complexity of risks that require cover.

Working On Your Behalf

An Insurance Broker will not only save you time sourcing the right policy, they can also save you money if you need to make a claim. As they work on your behalf and not the insurer provider, your Broker can prove invaluable if a claim needs to be made, by efficiently co-ordinating the claims process through knowing what is and isn’t covered under your policy.

An Insurance Broker will also help to keep your business ahead of new trends and changing requirements and keep your business up-to-date when new policies become available advising when insurance assets need upgrading. They will help identify the risks your business faces and secure the right insurance package to match your specific operational risks.

From One Expert to Another

You’re the expert in your commercial field, so it’s worth investing some time and effort into finding an Insurance Broker who you can trust and rely upon as the professional expert in commercial insurance. Their market expertise and professional know-how will help to steer your business insurance risks in the right direction and help you to save on time, money and effort to focus on what you do best.

There for You – The Benefits of Using Insurance Brokers

Whether you’re a young driver looking for insurance on your very first car, an experienced driver seeking the very best bang for your buck or a business owner looking to protect yourself and your business in the event of an accident, the task of sourcing an Insurance Broker can seem a daunting one. Insurance is, at its very core, a legal agreement between you and your insurer and this can lead to a lot of legal jargon or ambiguity being associated with getting your own insurance.  This causes many consumers to feel overwhelmed and creates a negative image when one thinks of insurance.

However, this need not be the case. In order to illustrate exactly how an Insurance Broker can make the entire insurance process easier for you, we have compiled a list of our top recommendations for why you should be using an Insurance Broker:

Working for you

An Insurance Broker works on your behalf and you can safely say that your interests are also their best interests.

Professional and Fully Qualified

All Insurance Brokers must be regulated with the Central Bank of Ireland and must be accredited with the requisite qualifications in order to provide advice on insurance products so you can be assured that the advice you are receiving comes from someone with excellent knowledge, expertise and experience of the insurance industry.

More Choice in Less Time

By going directly to the insurer, you are only getting one policy quote at any one time. If you want to get a good sense of what deal is out there for you, you’ll have to canvas through potentially dozens of insurers before you have an idea of what a good deal is.   As you can imagine, this can take a long time to do.

Insurance Brokers have access to advanced search engines that allow them to search through a multitude of industry options so they can find you the best deal in a fraction of the time. Why go through the hassle of consulting with insurer after insurer when someone else can do it for you in less time and at no cost to you?

 

Adding the Human Element

If you are insured directly with an insurer, you will be exclusively conversing with phone line operatives who deal with potentially hundreds of clients per day. They don’t know you, your policy or what you need and often times just want to get you off the phone so they can get to the next call. It can leave you with a feeling of detachment and may even dissuade you from ever ringing again.

A Broker is not a faceless, multinational corporation. They are made up of small teams who have in depth knowledge of their clientele and spend their day tending to whatever problems their clients are experiencing. They will deal with the insurer for you so that you never have to feel that sense of hostility again.

Do yourself a favour and take the headache out of shopping around for your next home, car or business insurance quote – talk your local Insurance Broker today.  Insurance Brokers are your one stop shop to all of your insurance needs.

Top Tips When Buying House & Home Insurance

For most of us, buying a house will be the largest purchase in our lives. With that in mind, it’s only natural that we should want to protect our home from any danger that may befall it. Home Insurance grants us peace of mind knowing that we are covered in the event of an accident and that we won’t be left picking up the pieces if things go wrong.

However, like all things in life, home insurance is not ‘one size fits all’ and it’s important to know what is being covered and when – so that there are no unpleasant surprises in the event of a claim.  We have complied a list of top tips relating to Home Insurance so that you can be in the know regarding your own insurance.

Buildings Insurance

  • Buildings Insurance is the minimum level of cover that you can have for your house.
  • It covers the fundamental foundations of your house such as the roof, walls, windows, doors etc.
  • If your home is damaged to the point you must seek temporary alternate accommodation, your insurance will usually also pay the cost of you having to rent or live elsewhere.
  • For prospective mortgage applicants, obtaining Buildings Insurance is a requirement to receive your mortgage.
  • This cover insurers your house for the amount it will cost to rebuild it and building costs will inevitably fluctuate; engage with your broker regarding rebuild costs and they will keep track of your house’s insured amount to guarantee that you are not overpaying for your cover or are underinsured should the worst happen.

Contents Insurance

  • Contents Insurance covers (yes, you guessed it) the contents of your home. This ranges from your appliances to your furniture and includes the likes of cash being stolen from your home.
  • Contents Insurance does not have to be included on the same policy as your Buildings Insurance; so ask your Insurance Broker to shop around as different insurers may quote better prices or cover certain valuables that others may not.
  • Take the time to accurately assess the value of your belongings, as a miscalculation could lead to you not being compensated fully for their loss.

All Risks Cover

  • This is an optional add-on to most home policies that will protect your belongings from theft or damage both inside and outside of the home. All Risks policies will also oftentimes cover your belongings for a specified amount of time abroad. 
  • ‘All Risks Cover’ is divided into ‘Specified’ and ‘Unspecified’ cover where the former requires you to submit a list of items to be protected along with their individual value. The latter, which entails you submitting a total amount of cover for your belongings each year, allows you to insure your valuables without needing to specify them individually.