What Insurance Do I Need When Buying a House
What Insurance Do I Need When Buying a House?
Purchasing a home in Australia is not just a dream come true but also a substantial financial commitment. Protecting this investment goes beyond the initial purchase; it requires a comprehensive understanding of the various insurance policies that safeguard your property and financial well-being. This guide delves into the essential insurance coverages every Australian homebuyer should consider.
Comprehensive Home Insurance for Owner-Occupied Residences
When you're investing in a property to make it your home, securing home insurance is non-negotiable. Home insurance acts as a shield for your home and its contents, providing coverage against a range of perils, including natural disasters, theft, and other unforeseen damages. It's imperative to ensure that your coverage amount aligns with the rebuilding costs of your home, offering full protection without leaving you underinsured.
Tailored Landlord Insurance for Rental Properties
If your purchased property will serve as a rental, obtaining landlord insurance becomes crucial. This specialised policy not only includes the standard building insurance but also extends to cover potential rental income losses and tenant-related damages. It's a strategic safeguard that can mitigate financial risks associated with property leasing.
Income Protection Insurance: Safeguarding Your Mortgage Repayments
Your earning capacity is a pivotal asset, especially when it's tied to mortgage repayments. Income protection insurance steps in during times of health-related work absences, ensuring you can uphold your mortgage responsibilities. By providing a consistent monthly benefit, often covering up to 70% of your income, this insurance maintains your household's stability during challenging times.
Life Insurance: Securing Your Family's Future
Life is unpredictable, and in the event of your passing, life insurance serves as a critical safety net for your loved ones. This policy can offer a significant payout to your beneficiaries, enabling them to clear the mortgage and maintain financial security, preserving the home you've worked hard to provide.
Strata Insurance for unit Owners
For those investing in a strata-titled unit or apartment, strata insurance is typically managed by the body corporate. This policy covers the structures of your unit, communal areas and shared property features. However, it's essential to complement this with personal contents insurance to protect your individual unit's assets.
Strata Title Mortgagee Protection Insurance
Strata Title Mortgagee Protection Insurance is designed for those who have a mortgage on a strata title property. This insurance protects the lender’s interests in the event that the body corporate’s insurance is inadequate or does not cover a claim. It’s an additional layer of security for both the mortgagee and the mortgagor, ensuring that the property remains protected under all circumstances
Title Protection Insurance: Defending Your Ownership Rights
Title protection insurance is an often-overlooked but valuable form of coverage that defends against legal challenges to your property ownership. It addresses costs related to defending your title from claims of fraud, encroachment, or other title discrepancies. While not compulsory, it's a prudent measure, particularly if there are uncertainties surrounding the property's title history.
How Morgan Insurance Brokers Can Assist You
Navigating the world of insurance can be complex, especially when it comes to protecting one of your most valuable assets—your home. At Morgan Insurance Brokers, we specialise in providing personalised insurance solutions that cater to the unique needs of each client.
Thorough Consultation
We begin with a thorough review of your individual circumstances. Our team takes the time to understand your specific needs, whether you're a first-time homebuyer, a property investor, or looking to update your existing insurance policies.
Tailored Insurance Solutions
With expertise in a wide range of insurance products, we tailor coverage options that provide comprehensive protection for your property. From home and landlord insurance to income protection and life insurance, we ensure that all aspects of your investment are secure.
Claims Assistance
Should you need to make a claim, we stand by your side. We offer streamlined claims assistance to make the process as smooth and stress-free as possible.
Ongoing Support and Review
Insurance needs can change over time, and we're committed to providing ongoing support. We regularly review your policies to ensure they remain aligned with your changing circumstances, offering peace of mind that your coverage is always up-to-date.
In summary, as you embark on the journey of buying a house in Australia, it's vital to arm yourself with the right insurance coverages. From protecting the physical structure to ensuring your family's financial stability, each insurance type plays an integral role in your comprehensive financial strategy. As an experienced insurance broker, I'm dedicated to helping you navigate the intricacies of these policies to secure optimal coverage tailored to your unique situation.
Strategic Savings: How Expert Insurance Negotiation Benefited a Roofing Company
A Western Australian Roofing company approached me with a significant challenge: their workers' compensation insurance renewal was quoted in the seven-figure range. This steep cost was the result of a colourful history of claims that had made their insurance particularly expensive. As an insurance broker specialising in such cases, I took on the task of negotiating a better deal for their workers' compensation insurance.
After a thorough review of their claims history and current policy, I engaged in extensive negotiations with a panel of insurance companies. My efforts resulted in a substantial reduction in their premium, securing a new rate that was around $30,000 less than the renewal with their current provider.
This achievement not only provided immediate financial relief but also demonstrated the value of expert intervention in insurance matters.
In addition to addressing their workers' compensation insurance, I also conducted a review of their public liability insurance. This is a critical area for roofing companies, given the high-risk nature of their work and the potential for accidents.
The client was extremely pleased with the outcomes. The significant savings in their workers' compensation insurance and the improved terms of their public liability insurance meant that they could operate their business with greater financial security and peace of mind.
In the end, it’s not just about the numbers. It’s about understanding each client’s unique needs, securing tailored solutions, and being there when they need you the most. It’s about turning challenges into opportunities and ensuring that every client walks away happier and more secure than when they first walked in.
For those seeking insurance solutions, whether for a business or personal needs, remember that a broker is more than a middleman. They are your ally, your advocate, and your assurance that when life’s uncertainties come knocking, you have the support you need to answer confidently.
Reach out to the team at Morgan Insurance Brokers. We can assist with looking after your business insurance needs.
When is the best time to get Life Insurance?
Life insurance is more than just a financial product. It’s a lifeline, a safety net that stands strong, ensuring that your loved ones won’t be left grappling with financial difficulties if the unexpected happens to you. But the question that often arises is, when is the right time to get life insurance in Australia? This is a crucial topic that deserves our attention and understanding.
The Cost Advantage of Early Life Insurance
Is life insurance more affordable if you purchase it at a younger age? The answer is a resounding yes. Life insurance premiums are calculated based on the risk associated with the insured person’s potential claim. This risk is influenced by several factors, including the insured person’s age, health condition, lifestyle, and occupation.
Younger individuals are typically healthier and have a longer life expectancy, which translates to a lower risk for the insurance company. As a result, they often enjoy lower premiums. So, the earlier you consider getting life insurance, the more cost-effective it can be.
The Earliest Age for Life Insurance
So, what’s the earliest age at which an individual can apply for and be accepted for a life insurance policy in Australia? Known as the entry age, it’s typically 18 years. This means that once you reach adulthood, you can start considering life insurance. It’s a proactive step towards safeguarding your future and protecting your loved ones from potential financial burdens.
The Latest Age for Life Insurance
On the other end of the spectrum, what’s the latest age at which you can get life insurance in Australia? The maximum entry age for life insurance policies varies between providers. Generally, it can reach up to 75 years old. This means that even in the later stages of life, you still have the opportunity to consider life insurance. However, it’s important to note that premiums are likely to be higher for older individuals due to the increased risk associated with age.
When is the best time to get Life Insurance?
Life insurance is a vital consideration at any stage of life. Whether you’re a young adult just starting out or someone in their golden years, it’s never too early or too late to think about life insurance. By understanding the factors that influence the cost and availability of life insurance, you can make an informed decision that best suits your needs and circumstances. Remember, life insurance is not just about you. It’s about providing for those you care about most, even when you’re no longer around to do so.
By acting now, you can lock in lower premiums, ensure financial security for your loved ones, and enjoy peace of mind knowing you're protected. Our expert advisors are dedicated to guiding you through every step, providing comprehensive support and treating your needs as our own. Don't wait—contact us today and safeguard your future with the trusted expertise of Morgan Insurance Advisors.
General Advice:
The information in this communication contains general information only. We have not taken into consideration any of your personal objectives, financial situation, or needs. Before taking any action, you should consider whether the general advice contained in this communication is appropriate to you, having regard to your situation or needs. We recommend you consult a licensed or authorised financial adviser if you require financial advice that takes into account your personal circumstances.
Morgan Insurance Advisors Pty Ltd is an Authorised Rep (ASIC No 319449) of HAE Financial Pty Ltd AFSL 501891
The Importance of Public Liability Insurance for Nightclubs
As an insurance broker, it's my duty to ensure that business owners are well-protected against potential risks, especially when embarking on new ventures.
Recently, I had the opportunity to assist a new business owner who was in the process of purchasing a venue—a place he had been part of for nearly a decade. However, a critical detail had been overlooked: the previous owners had not disclosed that the establishment operated as a nightclub, complete with a dance floor.
Recognising the importance of thorough due diligence, I conducted a comprehensive review and secured the necessary public liability insurance. Although the cost was significant, it was the right decision. Now, the new owner can confidently move forward with his business, secure in the knowledge that he is safeguarded against any uninsured losses.
The Importance of Public Liability Insurance for Nightclubs
Public liability insurance for nightclubs is an essential safeguard for businesses that interact with the public, and this is particularly true for nightclubs. A slip and fall accident can happen at any time, and the consequences can be severe for both the injured party and the business involved.
Protecting Patrons and the Business
Nightclubs are vibrant places where people come to enjoy music and dance. However, they are also environments where accidents, like slips and falls, are more likely to occur due to dim lighting, wet floors, or even the inevitable spillage of drinks. When such incidents happen, the injured parties may seek compensation for their injuries, and without proper insurance, the financial burden falls entirely on the business owner.
Real life scenario
Consider the scenario of a new business owner who has recently purchased a venue that he has worked at for almost a decade. He was not aware that the previous owners had not disclosed that the venue operated as a nightclub and lacked a dance floor. As the new owner's insurance broker, conducting a comprehensive review of the business's needs is crucial. By securing adequate public liability insurance, the new owner is now protected against potential uninsured losses that could arise from accidents on the premises.
Financial Security and Peace of Mind
Yes, the public liability insurance may come with higher premiums, but it is a worthwhile investment. It provides financial security and peace of mind, knowing that should an accident occur, the insurance will cover the costs associated with legal fees, medical bills, and any compensation awarded to the injured party. This protection is invaluable, especially for a new business owner embarking on a new venture.
In summary, public liability insurance is not just a requirement; it's a critical component of a nightclub's risk management strategy. It ensures that both patrons and the business are protected, allowing the owner to focus on running a successful establishment without the looming threat of uninsured losses. As an insurance broker, it is our responsibility to ensure our clients understand the importance of this coverage and to help them start their new ventures with confidence and security.
By securing the right insurance, nightclub owners can ensure that their dreams of running a successful venue aren't left in the dark due to unforeseen accidents. It's not just about compliance; it's about commitment to safety and sustainability of the business.
Beyond the Basics: Why Your Super’s Default Income Protection Might Not Be Enough
When it comes to securing our financial future, many of us rely on the default income protection insurance provided by our superannuation funds. It’s a safety net that’s often out of sight, out of mind. But is this default option really serving your best interests, or is it just a basic cover that’s barely scratching the surface of your needs?
The Reality of Default Coverage
Default income protection insurance in superannuation funds is designed to be a one-size-fits-all solution. It’s basic, generic, and often limited in its coverage. For many policyholders, this means that the insurance may not fully align with their income, lifestyle, and financial obligations. In the event of illness or injury, you might find yourself underinsured, facing financial strain when you can least afford it.
The Pitfalls of ‘Set and Forget’
It’s easy to adopt a ‘set and forget’ mentality with superannuation. After all, it’s something that’s taken care of by your employer, right? Wrong. This passive approach can lead to unpleasant surprises. The default cover often provides only a fraction of your actual income, and benefit periods are typically much shorter than what you might need. For example, pre-existing conditions and specific exclusions can leave you vulnerable.
The Underwriting Difference: Pre-Claim vs. Post-Claim
One of the most significant drawbacks of default income protection insurance through superannuation is the timing of the underwriting process. With default policies, underwriting—a detailed review of your medical history and lifestyle—occurs at the time of claim. This means that when you’re most in need of support, you may be subjected to a rigorous and invasive medical examination. Worse still, the insurer could decline your claim based on findings during this late-stage underwriting.
Why is this problematic?
Because it introduces uncertainty and stress at a time when you should be focused on recovery. It’s like having a safety net with holes that only become apparent when you fall.
The Assurance of Upfront Underwriting
Contrast this with the approach taken by specialised insurance advisors. When you apply for income protection insurance through a trusted advisor, the underwriting process is completed upfront. Every aspect of your health and lifestyle is assessed before the policy is in place, ensuring that coverage terms are clear and agreed upon from the start.
What does this mean for you?
It means that your policy is a solid contract, not just a promise. It’s an agreement that stands firm when you need it, without any nasty surprises. You can rest easy knowing that the terms of your coverage won’t suddenly change when it’s time to make a claim.
The Value of an Advisor
This is where the expertise of a trusted advisor comes into play. They can compare different policies, and recommend coverage that truly matches your needs. They can help you navigate the complex terms and conditions, ensuring that you understand what you’re covered for—and what you’re not.
Making an Informed Decision
Reviewing your income protection insurance isn’t just about finding the cheapest option. It’s about making an informed decision that balances cost with comprehensiveness. A trusted advisor can provide clarity on critical aspects such as waiting periods, benefit periods, and the definition of disability used in the policy.
The Bottom Line
Your income is your most valuable asset, and protecting it requires more than just a basic, default insurance plan. By engaging with a trusted advisor to review and compare your options, you can secure a tailored solution that provides peace of mind and financial security when you need it most.
Are Directors covered under workers comp?
In Australia, the regulations around workers’ compensation vary between different states and territories, especially when it comes time to covering company directors.
A working director is usually a director who does work for or on behalf of the company, and is paid as a company director for their services.
Take Western Australia as an example. Here, a director who is actively involved in the day-to-day operations of the company is only eligible for workers’ compensation if the company has explicitly requested the cover. This means that the cover is not automatically provided and must be actively sought out.
Moving over to Queensland, the situation changes. If you’re a director, partner of a partnership, sole trader, or trustee, you won’t be covered by Queensland’s Workers Compensation cover. Unfortunately, there is no option to extend this coverage to these individuals.
Income Protection Insurance as a Safety Net
Given the variability and limitations of workers’ compensation for directors across different states, income protection insurance becomes an essential consideration. It provides a safety net, ensuring that directors can maintain their income in the event of an illness or injury that prevents them from working. Income protection policies can be tailored to cover up to 70% of a director’s income and can offer flexible waiting periods.
Income Protection Insurance vs. Workers’ Compensation for Company Directors
Income protection insurance is a crucial consideration for company directors, primarily due to its comprehensive coverage compared to workers’ compensation. The scope of workers’ compensation can be limited or optional for directors, contingent on the specific regulations of each state or territory in Australia.
One of the key advantages of income protection insurance is its applicability to a wide range of circumstances. Unlike workers’ compensation, which is typically confined to work-related injuries or illnesses, income protection insurance extends its coverage to incidents that occur outside the workplace. This means that if a director suffers an injury or falls ill outside of work hours or off the company premises, they can still receive benefits through their income protection policy.
Conclusion
For company directors in Australia, understanding the nuances of workers’ compensation and the comprehensive benefits of income protection insurance is crucial. While workers’ compensation may offer some level of protection, it’s often limited and varies by state. Income protection insurance offers a more reliable and extensive safety net, ensuring financial stability in the face of unforeseen health challenges.
What Insurance Does a Builder Need?
Being a builder has got its fair share of risks, and sorting out insurance can feel like a real headache. But having the right cover is a must to keep your business, workers, and clients safe. Construction sites can be unpredictable, and no matter how careful you are, accidents happen. This guide breaks down the essential insurance policies every builder should have to stay properly protected.
Public Liability Insurance
Public Liability Insurance is a must for builders. It’s there to protect your business if someone gets hurt or property gets damaged because of your work. For example, if a passerby gets hit by falling debris or you accidentally damage a client's property during construction, this insurance covers the legal fees, compensation, and medical expenses.
Does a builder need Public Liability insurance?
In Australia, you don't always have to have Public Liability Insurance by law, but it's a damn good idea. Construction work is risky business—accidents and damage can happen all the time. Even if it's not a legal requirement where you're working, getting Public Liability Insurance is a smart move. It protects your business from claims and financial hits. Plus, a lot of contracts and projects will want to see you’re insured before they let you start the job.
Workers Compensation Insurance
Does a builder need Workers Compensation?
Workers compensation Insurance is mandatory if you have employees. It covers claims made by employees who suffer work-related injuries or illnesses. In the building industry, where the risk of injury is significant, this insurance is vital. It ensures that medical costs, rehabilitation expenses, and lost wages are covered, providing peace of mind to you and your crew.
Failure to insure for workers compensation can lead to hefty fines and serious legal consequences. For builders, maintaining this coverage is essential to protect against potential claims and ensure legal compliance.
Contract Works Insurance
Contract Works insurance, is designed to protect buildings under construction. It covers damage to the structure, materials, and equipment caused by events like fire, theft, vandalism, and weather-related incidents. This insurance is typically required by lenders and project owners to ensure the project can be completed even if unexpected damages occur.
Fixing or replacing damaged structures, materials, or gear can drain your wallet fast. That’s where Contract Works Insurance comes in. It covers these costs, keeping your business safe from big financial hits and making sure your project stays on schedule.
Professional Indemnity Insurance
Protection Against Professional Negligence
Professional Indemnity Insurance (PI) is a must-have if you're a builder offering design services or professional advice, slip-ups can happen. Maybe there's a flaw in the design that leads to structural issues later on. Fixing that can cost a pretty penny. PI insurance steps in to cover those legal and repair costs, saving your business from a big financial hit.
This insurance is essential because it covers the legal costs and compensation claims that come up from professional mistakes, errors, or oversights.
Tools and Equipment Insurance
Tools and Equipment Insurance covers the repair or replacement costs of tools and equipment used in your construction business. Given the high value of construction tools and machinery, this insurance is essential. It protects against theft, damage, and loss, ensuring minimal disruption to your operations.
Commercial Vehicle Insurance
Commercial Vehicle Insurance is a must for builders. It covers your work vans, trucks, and any other wheels you use to haul materials and gear. This insurance has your back in case of accidents, theft, or vandalism, and it also takes care of liability if someone gets hurt. Keep your business rolling smoothly with comprehensive motor vehicle insurance.
Compulsory Third Party (CTP) insurance is mandatory for all motor vehicles. It covers the costs of compensation claims if you injure or kill someone in a motor vehicle accident. This insurance doesn't cover damage to your vehicle or others' property; it's specifically for third-party injuries.
Personal Accident Insurance
Does a builder need accident insurance?
Personal Accident and Injury Insurance is a lifeline for builders. If you get hurt or disabled on the job, this coverage steps in with financial support. It takes care of medical bills, rehab costs, and even lost income. It's especially crucial for self-employed builders or small business owners who don't have the safety net that bigger companies do.
Income protection insurance
Does a builder need income protection?
Income Protection Insurance is a lifesaver for builders, on and off the job. If you get injured or too sick to work, this coverage replaces your lost income, whether the accident happens at work or elsewhere. It helps with medical bills, rehab costs, and keeps the cash flow steady while you recover. This is a must-have for self-employed builders or small business owners who don't have the safety net of a big company.
Protecting your income enhances financial security, ensuring that you can maintain your livelihood even in the face of personal injury. It is a crucial component of a comprehensive risk management strategy for builders.
Home Warranty Insurance
What is home Warranty Insurance and who does it cover?
1) Home warranty insurance protects homeowners if a builder becomes insolvent, dies, or disappears. This insurance allows homeowners to claim the cost of rectifying defects or completing unfinished work.
2) The coverage typically includes structural defects, non-structural defects, and incomplete work, ensuring comprehensive protection for homeowners.
Is Home Warranty Insurance Mandatory?
Home warranty insurance (builder's warranty insurance) is mandatory for residential building projects in many Australian states. Builders must obtain this insurance before starting a project to comply with state regulations, ensure legal compliance, and protect homeowners against defects in building work.
Management Liability Insurance
Management liability insurance can protect builders, against the financial risks associated with running a business.
Here are some examples:
Directors and Officers Liability:
- A builder's company director is sued for mismanagement after a construction project fails, causing significant financial loss to investors. This coverage pays for legal defense costs and any awarded damages.
Company Liability:
- A client sues the building company for breach of contract, claiming the project was not completed to the agreed specifications. Management liability insurance covers the legal defense costs and any settlement or judgment amount.
Employment Practices Liability:
- An employee sues the building company for wrongful termination, alleging unfair dismissal and workplace harassment. Management liability insurance covers the legal expenses and potential settlement costs.
Statutory Liability:
- The building company is fined for breaching workplace health and safety regulations. This insurance covers the fines and legal costs associated with defending the claim.
Crime Protection:
- An employee embezzles funds from the company, causing financial loss. The crime protection component of the insurance reimburses the company for the stolen money.
Tax Audit Costs:
- The building company undergoes a tax audit, incurring significant accountant fees and other related expenses. This insurance covers the costs associated with the audit.
These examples illustrate the broad range of protections offered by management liability insurance, making it an essential policy for builders.
Cyber Insurance
For builders, the importance of cyber insurance is huge. These days, construction companies are using digital tools more and more for managing projects, communicating, and handling money. This makes them a target for cyber threats, which can cause serious problems.
Specific Cyber threats for Builders:
Invoice Manipulation:
Cybercriminals may manipulate bank account details on supplier invoices, leading to substantial financial losses. Cyber insurance can cover the costs of these fraudulent activities, helping builders recover the stolen funds
Phishing Attacks:
Phishing attacks, often disguised as legitimate links such as DocuSign requests, can trick employees into divulging sensitive information or downloading malicious software. Cyber insurance provides coverage for the financial impact of such attacks and supports recovery efforts.
Business Package InsuranceÂ
Your office and warehouse are crucial to your operations. Business package insurance protects your office set up, tools, stock, and materials against damage from fire, theft, vandalism, and natural disasters whilst at your warehouse. This ensures that your workspaces remain functional and secure, no matter what.
Conclusion
Sorting out insurance as a builder can be a real headache, but getting the right coverage is crucial to protect your business, your crew, and your clients.
In Australia, regulations and requirements vary significantly across states.
For instance, Home Warranty Insurance and Workers Compensation have different stipulations in each state. Additionally, in New South Wales, insurance claims cannot be used to pay fines and penalties, reflecting the state's unique regulatory framework.
This highlights the importance to invest in comprehensive insurance solutions with an experienced construction insurance broker to keep your construction business safe and sound. It’s about peace of mind and financial security in a risky line of work. Don’t wait—protect your livelihood today. Contact us to get started!
How Morgan Insurance Brokers Saved a Local Brisbane Roofing Company $60,000 on Their Public Liability Insurance Premiums
In the world of insurance, a good broker is more than just a middleman; they are a trusted advisor, a diligent researcher, and a fierce advocate for their clients. At Morgan Insurance Brokers, we take pride in going above and beyond to secure the best possible deals for our clients. Recently, we had the privilege of saving a local Brisbane roofing company a staggering $60,000 on their public liability insurance premiums.
Here's how we did it:
Understanding the Client's Needs
Our journey began with a thorough understanding of the roofing company's specific needs and challenges. Public liability insurance is crucial for roofing companies due to the high-risk nature of their work. Any misstep can lead to significant financial liabilities. The company had been with their previous insurer for several years, and while their coverage was adequate, the premiums had steadily increased to an unsustainable level.
The Power of Remarketing
Recognising he need for a more cost-effective solution, we decided to remarket the company’s policy. Remarketing involves reassessing the current insurance policy and presenting it to a wide range of insurers to find more competitive rates. This process is not just about getting cheaper insurance but about finding the right coverage at the best possible price.
Casting a Wide Net
One of the key strategies in our approach was sending the company’s insurance needs to the entire market. This meant reaching out to multiple insurers, including those that the roofing company had not previously considered. Our extensive network of contacts within the insurance industry allowed us to negotiate directly with underwriters and leverage competitive offers against one another.
Diligent Research and Negotiation
A good insurance broker does not stop at sending out quotes. We meticulously reviewed each offer, assessing not just the price but the comprehensiveness of the coverage, exclusions, and the financial stability of the insurers. Our goal was to ensure that the roofing company was not only saving money but also receiving robust protection against potential liabilities.
The Results
After weeks of diligent research, negotiation, and comparison, we were able to present the roofing company with several excellent options. The winning policy offered the same level of coverage as their previous insurer but at a significantly reduced premium. In total, we saved the company $60,000 on their public liability insurance premiums.
What Good Insurance Brokers Do
This case is a perfect example of what sets good insurance brokers apart:
Personalised Service:
We treat each client’s needs as our own, ensuring that we fully understand their business and the unique risks they face.
Market Knowledge:
Our extensive knowledge of the insurance market allows us to identify the best insurers for each client's specific needs.
Diligent Research:
We don’t just accept the first offer. We carefully review and compare multiple policies to ensure the best coverage at the best price.
Strong Relationships:
Our relationships with insurers and underwriters enable us to negotiate better terms and rates for our clients.
Client Advocacy:
We act as advocates for our clients, ensuring their interests are always protected. At Morgan Insurance Brokers, our commitment to personalised service and relentless pursuit of the best deals sets us apart. If your business is facing high insurance premiums, contact us today to see how we can help you save money while maintaining the coverage you need.
Saving $60,000 on public liability insurance premiums was not just about cutting costs; it was about finding a sustainable solution that allowed the roofing company to continue operating with peace of mind. This success story is a testament to the value that a dedicated and knowledgeable insurance broker can bring to their clients.
For more information or to discuss how we can help your business, feel free to reach out to Morgan Insurance Brokers. We’re here to help you protect what matters most.
