We are specialists in insurance and risk management acting on behalf of our clients and provide advice in the interests of our clients.

We identify your individual and/or business risks to help you decide what to insure, and how to manage those risks in other ways.

We can prepare a customised insurance and risk management program for you or your business, where we asses the risks, negotiate the terms with insurance companies and place the cover with the insurer.

By including a risk management program, which puts some of the responsibility for risk prevention and loss minimisation on you or your business, you can reduce premium costs.

We are aware of the terms and conditions, benefits and exclusions and costs of a wide range of competing insurance policies, so we can help you find the most appropriate cover for your own circumstances.

We have access to a variety of insurance products and have the ability to deal with a range of insurance companies directly.

We are aware of the benefits, exclusions and costs of competing policies to enable the best possible outcome for you.

We provide advice on how to make the most of your insurance budget for coverage needed.

We also handle policy renewals and review coverage on policies annually, thereby relieving you of the burden of keeping track of your various policies and expiration dates.

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We represent you in the event of a claim, advising the best way forward, assisting and obtaining the necessary documents for processing the claim, and we negotiate with the insurer for fairest settlement.

We translate the "insurance language" and walk you through the fine print to help you understand your coverage and expectation of settlement.

Some insurance policies can be complicated, and an insurance broker can help you understand the details of a policy and also work out what level of cover you need, so that you can make sure you are properly protected.

We will explain your policy to you and advise you if there are any special situations you need to know about.