1. Insurance brokers specialise in discovering your unique story.

Ausure insurance brokers are trusted professionals and know the right questions to ask based on your business and personal portfolio as well as your individual circumstances.

This ensures you get the right advice about insurance coverage and limits exposure to potential risks you may not even have been aware of.

If you are serious about protecting your business and personal assets and don’t want unwanted surprises at claim time, make sure you speak to an Ausure broker for an obligation-free risk assessment and review.

“You’d expect your doctor to ask about your symptoms before sending you out the door with a prescription. Your insurance broker protects the health of your business. If they aren’t taking the time to ask the right questions, how can they possibly prescribe the right cover?” explains Jay Hani, National Operations Manager of NTI.

2. We know which insurers you can rely on.

Believe it or not, not all insurers are created equally. Policy inclusions and premiums are only the start of what you should be considering if you’re thinking of going direct to an insurer. When you use the services of an Ausure insurance broker, we act on your behalf to compare policies from a diversity of reputable insurers.

Our brokers have extensive experience working with a variety of insurers and underwriters in the insurance industry.

We go to insurers we believe will do the right thing by you and your circumstances, from policy inclusions right through to claims management. In fact, you can feel confident insurers recommended to you by an Ausure broker have passed a strict ‘Insurer Checklist’ before being authorised to work with Ausure brokers. We suggest exercising extreme caution when going online to find some seemingly ‘quick and easy’ insurance for your valuable business and assets. Not all insurance cover is comprehensive and compatible with your circumstances.

An example is Direct Offshore Foreign Insurers (DOFI’s): These are insurance companies that are based overseas in a foreign country but issue policies to Australians and Australian businesses. DOFI’s financial stability is not monitored by the Australian Prudential Regulation Authority (APRA) like Australian insurance companies are, so there is no guarantee that they will pay come claim time. Also, DOFI’s do not need to subscribe to the Australian Financial Complaints Authority (AFCA), so if you are not happy with a claim outcome or some other reason, you cannot lodge a complaint with AFCA like you can with Australian insurers.

3. We know the lingo, the rules, the right people and most vitally, fight as your ally at claim time.

If the unexpected happens and you suffer a loss. What now?
With an Ausure insurance broker it’s super easy. Your insurance broker specialises in claims management. They can provide you with clear instructions of what they need from you to lodge the claim on your behalf. Once you provide your broker with what they need to get started, they can take over and manage the entire process for you.

An insurance broker represents you during the claims cycle and has the experience and knowledge to ensure the claim is handled as it should be by the insurer.

Insurance brokers know their client’s rights and work to protect them, as well as knowing key contacts and escalation points within the insurer group to get results.

Case study: Want a good example of how Ausure broking and claims expertise turned around an insurance claim for a client? Read Good news story: From heartbreak to hope