Why Every Business Needs an Insurance Broker
Why Every Business Needs an Insurance Broker on Their Side
Having an insurance policy that fits all your business needs doesn't necessarily simplify the claims process. These are two entirely different problems, and without an experienced broker's help, navigating each can be equally frustrating and complex.
That’s why at Morgan Insurance Brokers, we do more than secure the best coverage for your business; we act as your advocate, streamlining the claims process and ensuring it’s as smooth and stress-free as possible. This comprehensive approach lets you focus on running your business, knowing your insurance needs are expertly managed.
How We Streamline the Claims Process
The true value of an insurance broker often becomes most apparent when a claim arises, particularly if the circumstances around this claim are stressful. For example, your warehouse and all its contents might have been destroyed by fire, your shop inundated with floodwater, or your commercial freezer stopped working and your stock of food ruined.
As your insurance broker, we step in and help you navigate the claims process, ensuring a speedy resolution for all concerned.
Expert Preparation and Filing of Claims: When you file a claim with your insurer, the little details can make the process much more difficult. At Morgan Insurance Brokers, we know all these details, so we can expertly prepare and file your claim, streamlining and simplifying the process. We understand exactly what your insurer requires, managing all necessary documentation and communications to ensure they’re accurate and complete.
Advocating on Your Behalf: Morgan Insurance Brokers are your advocates when dealing with claims. We directly engage with your insurance company, defending your rights and representing your interests with our professional expertise. Our deep understanding of industry norms ensures that your case is presented clearly and persuasively, maximising the likelihood of a favourable outcome.
Speeding Up the Process: As experienced brokers, we have established relationships with an extensive network of insurers, which helps expedite the claims process. Our familiarity with each insurer and the people in the claims department often leads to quicker claim resolutions, minimising downtime for your business.
Maximising Your Claim Settlement: As your brokers, we ensure you receive the best possible outcome from your claim. Our industry knowledge allows us to negotiate effectively with your insurance provider, aiming to maximise your settlement so that it fully covers your losses in accordance with the terms of your policy.
Acting as Your Long-Term Advocate
More than just handling your business's claims process, we’re ongoing advocates for your insurance needs. This includes regularly reviewing your policies, assessing your business’s risk profile, and ensuring you always have the best coverage for your business.
Annual Policy Reviews: We regularly review your coverage to ensure it remains aligned with your business’s evolving needs and risks. This proactive approach helps adjust your coverage as your business grows and changes, safeguarding against underinsurance or redundant policies.
Risk Management Advice: Beyond securing coverage, we provide valuable advice on risk management. Our brokers help identify potential risks in your operations and advise on strategies to mitigate these risks, often leading to lower premiums and better coverage terms.
Access to Better Insurance Options: Working with a network of insurers, we access a much more comprehensive range of policies than might be available if you approached your provider directly. This means we can provide your business with the best possible coverage that meets all your needs.
Case Studies: Brokers at Work
Consider the story of a small business suffering extensive property damage due to a natural disaster. The business owner, overwhelmed by the devastation, is unsure of the claims process. Their broker steps in to manage all aspects of the claim, from documenting damages for the insurer to negotiating the settlement. The broker not only ensures a fair and prompt resolution but also advises on interim measures to mitigate any interruption to their business operations.
In another instance, a technology firm faces a liability claim from a client alleging negligence. The broker works closely with the firm to gather all necessary evidence and expert opinions, successfully disputing the claim and significantly reducing potential financial damage.
A Trusted Partner in Your Business Journey
Choosing to work with Morgan Insurance Brokers means trusting a partnership that extends beyond just purchasing a policy. We become part of your business’s strategy for resilience and growth, providing support and expertise not just when choosing policies but also during claims and crises. With our deep understanding of the insurance industry and commitment to your business’s welfare, we ensure you have the necessary support to face any future challenges confidently.
Top 7 Reasons to Use a Business Insurance Broker
Knowing you need insurance and deciding which policies are best for your business is only part of the problem. The much bigger challenge is selecting value-for-money policies that provide the coverage you need at a price you can afford.
The variety of choices is vast, from compulsory coverage required in Australia to optional extras tailored to your specific business needs. Understanding which policies offer the best protection involves sifting through numerous offers from different insurers, each with its own costs, inclusions and exclusions. This is where the expertise of a business insurance broker becomes invaluable, helping to clarify your options, reduce your risks and secure the right insurance for your business.
What Is a Business Insurance Broker?
A business insurance broker is a professional advisor who specialises in identifying and securing the most suitable insurance policies for individuals and companies. Unlike direct insurance agents, brokers operate independently, offering unbiased advice with access to a broad range of insurance options. At Morgan Insurance Brokers, we play a crucial role in deciphering the complex insurance market and tailoring coverage to fit your specific business needs while ensuring value for money.
7 Benefits of Using a Business Insurance Broker
Choosing a business insurance broker can transform how you protect and manage your company's risks. With our expert guidance, personalised service, and access to a comprehensive network of products, we tailor your insurance coverage to perfectly meet your business's evolving needs. We streamline the entire insurance process, from policy selection to claims, making it much simpler and more cost-effective for your business.
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Expert Guidance Customised to Your Business Needs
As business insurance brokers with extensive experience across numerous industries, we understand your business’s unique challenges and opportunities. This knowledge helps us to evaluate your specific risks and strategic goals, enabling us to tailor insurance solutions that are precisely calibrated to your business’s needs. This professional approach ensures that the coverage you secure is perfectly aligned with your business objectives, providing the protection you need and ensuring continuity, even if the worst happens.
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Access to a Comprehensive Range of Insurance Products
We leverage our extensive network of contacts to offer you a broad selection of insurance products. This expansive access allows us to compare various options, ensuring we find the most comprehensive coverage that aligns with your specific business goals. Our connections in the industry provide your business with highly competitive and customised insurance solutions.
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Cost-Effective Solutions
Skilled in navigating the complex insurance market, our expert brokers negotiate and secure the most cost-effective solutions for your business. Our strategic approach involves a thorough comparison of available policies to ensure that you receive the best possible coverage with the most favourable premiums. We’re committed to delivering value and optimising your insurance investment to support your business's financial health.
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Less Stress & More Free Time
Instead of spending time wading through numerous websites and comparing an endless stream of different policies, the entire process is simplified. Our expert brokers identify your business risks and present you with policies that best reduce these risks. This frees up a significant amount of time, allowing you to focus on your business’s core needs rather than searching the internet for insurance.
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Simplified Claims Processing
Our expertise ensures that claims are handled efficiently and effectively, reducing the complexities of the claims process and expediting settlements. We provide dedicated support and act as your advocate throughout the claims procedure, from initial filing to resolution, ensuring a smooth and hassle-free experience for your business.
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Comprehensive Risk Management
We focus on protecting your business from potential threats with a proactive and strategic approach to risk management. Our process involves a thorough assessment of your potential business risks, followed by a range of practical strategies that mitigate these risks. This ensures your business is well-prepared for any unexpected challenges, helping maintain stability, growth and continuity.
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Annual Reviews
Every year, we review your insurance policies to make sure they still match your needs. As your business grows and changes, so can the associated risks and costs. Our annual check-ins help ensure that your coverage is always up-to-date, reflecting any new circumstances or challenges your business might face. This proactive approach keeps your protection effective and tailored to your current situation.
Securing Your Business’s Future
Partnering with Morgan Insurance Brokers ensures your insurance strategy is as dynamic as your business. Through expert guidance, tailored coverage, and ongoing support, our brokers safeguard your operations and empower you to focus on growth and innovation, securing a resilient and prosperous future for your business.
Insurance Broker Vs Agent: How to Choose?
Strategic Insurance Decisions - Choosing Between Brokers and Agents
When securing insurance for your business, it’s essential to receive the best advice available because the quality of this advice can greatly impact the cost and effectiveness of your coverage. Understanding the difference between insurance brokers and direct agents helps you decide which path effectively reduces your business risks and provides the most cost-effective solution.
What is an Insurance Broker?
As insurance brokers, we’re professionals who act as intermediaries between your business and insurance providers. We use our detailed knowledge of risks and the insurance market to find and arrange suitable insurance policies for your business. Unlike insurance agents, we’re independent and don’t represent any single insurance company. Instead, we work on behalf of your business, offering advice based on an assessment of your business’s needs and the best options available across the entire market.
What is a Direct Agent?
A direct agent, often called an insurance agent, represents one or more insurance companies and sells their products to clients. Typically, agents have contractual obligations to their affiliated insurance companies to sell only their specific products. As a result, they cannot offer options from the market at large but must stick to the products of the companies they represent.
Five Differences Between Brokers and Agents
- Representation: As brokers, we represent your business, whereas agents represent one or more insurance companies.
- Product Options: We can access a wide range of products across the entire market, giving us the flexibility to select the best policy options for your business. Agents, on the other hand, are limited to the products of the insurance companies they represent.
- Advice and Advocacy: As brokers, we provide independent advice and advocate for your business’s best interests, especially in the event of a claim. Agents advocate for the interests of their employers - the insurance companies who employ them.
- Cost and Fees: At Morgan Insurance Brokers, we’re paid a commission that’s automatically built into your premiums. Occasionally, we also charge a fee for our services, but we limit their usage to keep your costs as low as possible. Agents are typically compensated through commissions, salaries, or a combination of both, depending on their specific arrangements with the insurance companies they represent.
- Customised Solutions: As independent brokers, we’re able to provide customised insurance solutions because we can compare different products and negotiate with various insurers. Agents are restricted to the terms and conditions of the insurers they represent.
Benefits of Using an Experienced Broker
- Expert Guidance: We offer expert advice tailored to your specific business needs.
- Greater Choice: With access to the entire market, we ensure you get the best coverage at competitive prices.
- Time Savings: We handle the legwork of comparing policies and negotiating terms, which saves you time.
- Personal Advocate: In the event of a claim, we act as your advocate, helping ensure the claims process runs smoothly.
- Ongoing Support: We provide ongoing support and yearly reviews of your policies to ensure they continue to meet your changing needs.
When to Consider Using a Broker
You should consider using an insurance broker when:
- You require insurance for complex business needs or multiple risks.
- You value independent advice and want the best protection for your business.
- You lack the time or expertise to compare various insurance policies thoroughly.
Benefits of Using an Agent
- Simple Insurance Coverage: Some agents offer cost-effective and conveniently packaged solutions for small businesses with straightforward insurance needs.
- No commissions or Fees: If a direct agent is employed by a single insurance company and paid a salary, no commissions or fees are involved in these transactions. However, if engaged on a commission basis, these costs are usually built into your premiums.
When to Consider Using an Agent
Consider using a direct agent when:
- You have a straightforward insurance need, such as standard property or vehicle insurance.
- You’re looking for a quick and direct way to secure insurance without comparing numerous market options.
- You strongly prefer a specific insurance company and its products.
Making the Smart Choice For Your Business
Choosing between an insurance broker and a direct agent largely depends on your business’s specific insurance needs and preferences. As experienced brokers, we’re independent of insurance companies and offer a broad choice of options along with expert advice. Agents, however, can also be a good choice when you have simple needs or a strong allegiance to a particular insurer. Each approach offers unique advantages, ensuring you find the right fit for your business's insurance requirements.
Do Sole Traders Need Public Liability Insurance?
If you’re a sole trader in Australia, you already know that managing your business risks is not just about protecting your operations; you also need to safeguard your personal assets. Public liability insurance offers this type of protection for sole traders.
However, many sole traders wonder whether public liability insurance is really necessary for their business. So, let’s look at what this coverage offers and why it’s a wise move for sole traders. View our sole traders insurance page for more information.
Understanding Public Liability Insurance
Public liability insurance is designed to protect businesses from the financial impact of claims made by clients or members of the public who have suffered injury or property damage in connection with a business’s activities. For sole traders, who often work directly with clients and on third-party properties, these risks can be substantial.
From a simple mishap on a client’s premises to accidental damage during service delivery, the right public liability cover ensures that a sole trader isn’t personally footing the bill for potentially hefty legal costs and damages.
Is Public Liability Insurance Mandatory?
In Australia, public liability insurance is not legally mandatory for all businesses, including sole traders. However, depending on your specific industry, it may be compulsory. For instance, tradespeople, fitness professionals, and certain consultants are often required by regulatory bodies or even by contract with clients to carry public liability insurance when providing services or advice to customers.
Industry-Specific Considerations
The necessity of public liability insurance can vary greatly depending on the sector in which a sole trader operates. Industries that involve interactions with the public or physical work on residential or commercial properties tend to have a higher risk of incidents that could lead to claims. Here are a few scenarios where this insurance may be considered essential.
- Building and Construction Contractors: Contractors often work in environments where the risk of property damage or injury to others is high, such as on construction sites or during renovations in client homes. (View Civil Construction Insurance for more information.)
- Plumbers: This profession involves working with complex systems that, if improperly handled, could lead to significant water damage or other hazards affecting the client’s property or neighbouring areas.(View the Plumbers Insurance for more information.)
- Electricians: There are inherent risks when working with electrical systems, such as the potential for electrical fires or shocks. This means electricians can greatly benefit from public liability insurance to protect against claims of damage or injury.(View Electrician Insurance for more information.)
- Personal Trainers: Working closely with clients who may be prone to injury during training sessions makes public liability insurance a good idea for personal trainers.
- Event Organisers: For this profession, liabilities can include accidents to guests or damages to venues. Public liability insurance helps safeguard against these potential claims, which can be financially debilitating.
Weighing the Benefits
Even if public liability insurance isn't legally required for your field, there are three compelling reasons to consider it as a sole trader.
- Financial Protection: Covers potential legal fees and damages, which can devastate a sole trader.
- Credibility: Insurance can enhance your business’s image, showing clients you’re serious and professional.
- Peace of Mind: Allows you to operate your business without constant worry about potential claims.
Consider a freelance photographer who accidentally damages a one-of-a-kind artwork during a shoot or a mobile hairdresser whose equipment causes an injury. Without public liability insurance, the financial consequences of these accidents could be devastating, potentially putting personal assets (such as your home, equipment or vehicles) at risk.
When Might Public Liability Insurance be Less Critical?
Suppose you’re a sole trader operating in an industry where the likelihood of causing physical harm or property damage is extremely low. In that case, public liability insurance might not suit your business. For example, when you operate solely online and have no physical interaction with clients, such as writers, authors, web designers, graphic artists and so on.
Benefits of Using an Insurance Broker
Deciding on the right level of coverage and which policy is best for your business can be daunting for sole traders. At Morgan Insurance Brokers, we provide a personalised service that provides the most cost-effective solution for your insurance needs.
- Tailored Advice: We provide customised advice based on your specific business risks.
- Cost-Effective Solutions: We compare different policies to find the most comprehensive coverage at the best price.
- Simplified Claims Process: We assist with the claims process, making it smoother and less stressful.
Protecting Your Assets With Public Liability Insurance
While not universally mandatory, public liability insurance is a critical consideration for most sole traders in Australia. It protects your business from unforeseen liabilities and provides a safety net that can make the difference between a minor setback and a major financial disaster. For help finding the best coverage for your business, speak to one of our expert brokers today.
Your needs, not our wallet
Choosing an Insurance Broker with experience is the smartest move you can make for your business.
Maybe it's that time of year again, and your insurance policy has fallen due for renewal; or you're looking at purchasing insurance for the first time. With the cost of living (and everything in between) increasing, so are insurance premiums. You have to do your due diligence and research to ensure that you're not being over charged for the right insurance coverage.
Fortunately, Morgan Insurance Brokers provide exactly this service. With access to over 150 insurers and underwriters, this is our speciality.
In the instance where you've approached multiple insurance brokers, which is very common, and you receive a quote back that's close to, or even cheaper than one we've provided, your comparative analysis on which policy you should take up should not be based on purely price.
With the skill and talent shortage in the industry of late, insurance brokers are not equal in the service and knowledge they can provide. A lot of insurance brokerages can sell you insurance, but not all can provide you with the service and experience you need. Just because you're dealing with an Insurance Broker, does not mean you're dealing with an Insurance Professional.
Asking your prospective insurance broker about their experience is crucial because insurance is a complex field, and a knowledgeable broker can provide valuable insights and guidance on policy covers, ongoing support, and claims service. Here's why experience matters:
Expertise in Navigating Complexity
Insurance involves intricate policies, regulations, and risk assessments. As an experienced broker, have encountered various scenarios and can navigate the complexities of insurance to provide tailored advice.
Risk Assessment Skills
As experienced brokers, we are skilled at assessing risks specific to your industry and business. We can identify potential gaps in coverage and recommend suitable policies to mitigate risks effectively.
Relationships with Insurers
As we've been in the game for over a decade, close to two, we have established relationships with insurers. This means better negotiation capabilities, potentially securing more favourable terms, coverage, or premiums for your business.
Claims Handling Experience
In the unfortunate event of a claim, an experienced broker is essential. We can guide you through the claims process, ensuring a smoother resolution and advocating on your behalf to maximise the benefits of your policy.
Your needs, not our wallet
As an experienced broker, we prioritise providing sound advice over making a quick sale. We understand the importance of building long-term relationships and ensuring you have the right coverage for your specific needs. There are also instances where we turn away potential clients if their approach to insurance does not match ours.
Industry Knowledge
Different industries have unique insurance requirements. An experienced broker with knowledge of your industry can tailor policies to address specific risks and compliance needs.
While cost is a significant factor in choosing insurance, prioritising the broker's expertise and reputation is essential. As your Insurance Broker, we understand your business, have industry knowledge, and can provide reliable advice that can ultimately help you secure the most suitable coverage for your needs.
Inflation and the impacts on insurance premiums
Understanding how insurers collect premiums and the role that they play in providing insurance coverage
Insurers are important entities that provide peace of mind and protection for individuals, families, and businesses all across the world. One of the primary ways in which they fulfill this crucial function is by collecting premiums from policyholders - these are payments made by customers in exchange for insurance coverage, which can protect them from unexpected events, losses, and damages. The process of collecting these premiums is vital because it allows insurers to maintain financial stability and security, which, in turn, enables them to fulfill their commitments to policyholders. By understanding how insurers collect premiums and the role that they play in providing insurance coverage, individuals can have greater confidence in their ability to protect themselves and their assets in an unpredictable and ever-changing world.
Adjusting premiums to reflect the increased replacement costs
In the current economy, inflation is a looming concern that is causing the price of goods and services to rise. As a result, major insurance providers are taking proactive measures to ensure they can continue to offer adequate coverage and reliable service to their clients. A key part of this means adjusting premiums to reflect the increased replacement costs for homes and belongings. Insurance providers must stay ahead of the rising cost of living to provide the best possible coverage and care to their valued customers. By doing so, they can help protect households and communities against the financial burdens that often arise in times of crisis.
Expenses for insurance companies
Insurance companies have to bear numerous expenses in the course of their operations. Besides the direct costs of underwriting policies and managing claims, they also incur other expenses such as administrative costs, employee salaries, marketing expenses, and other operational costs. These costs can directly impact the overall cost of premiums charged for insurance services.
The overall cost of insurance
Administrative costs include expenses such as rent, utilities, and technology infrastructure, among others, which are essential for running insurance operations. Salaries for employees including underwriters, agents, and customer service representatives, form another significant cost for insurance providers. Marketing, advertising, and promotional expenses are also crucial to insurers, as they help them attract new customers and retain existing ones. All in all, these necessary operational costs are essential for any insurance provider to operate effectively. Nonetheless, they form part of the overall cost of insurance and contribute to the premiums paid by policyholders.
The generation of additional income
The generation of additional income is crucial for insurers as it enables them to offset the costs of running their business. To achieve this, insurers invest a percentage of the premiums they receive from their clients. This is a common practice among insurance providers, as investing can provide a source of revenue that compliments their core business operations. As a result, investment decisions can greatly impact an insurer's financial performance. If investment returns are low, the insurer may have to rely more heavily on the premiums they charge their clients to generate income, which can ultimately lead to higher premium costs.
The world of insurance is highly complex
As everyone knows, the world of insurance is highly complex. One of the factors that plays a critical role in the calculation of premiums is the performance of an insurer's investment portfolio. A variety of economic conditions, such as changes in interest rates and market fluctuations, can have a significant impact on how a portfolio performs. This, in turn, can affect the amount that consumers ultimately pay to secure the coverage they need. Since insurance companies must rely on their portfolios to generate the necessary funds to pay out claims, it is essential for them to closely monitor and manage their investments so that they can remain financially stable and continue providing their customers with the peace of mind and protection they require.
Need help with your insurance? Contact Morgan Insurance Brokers today!
Care, Custody and Control Insurance
What does property in your physical and legal control/ care custody and control insurance cover?
re, Custody, and Control insurance or property in your physical or legal control insurance is usually an automatic sublimit under a public liability insurance policy.
It is designed to protect businesses that have temporary possession of someone else's property with the intent to be worked upon/part of your insured business activities.
Examples could include
- Phones that are left overnight at phone repair stores
- Jewellery or watch repair stores
- Bicycle repair stores
- Computer repair stores
- Storage Facilities
This extension can offer cover to your customers goods if they have been damaged accidently whilst in the possession and under the care of your business.
Standard exclusions under a public liability insurance policy will still apply to this additional benefit.
Exclusions such as damages to motor vehicles, faulty workmanship, and damage to your own goods are a few examples.
The automatic sublimit is standardly $250,000 but can fluctuate between different insurers and occupations
Some insurers depending on your occupation will exclude this completely.
For example, a removalist, courier or transport operator as standard would have this exclusion applied. It would then be in the best interest of transport operators to take out a transit policy to cover their customers goods whilst in their custody, and whilst in transit.
Another example is a storage facility. It is quite difficult to obtain this extension for storage facilities given the high values of items insured at one address.
Contact Morgan Insurance Brokers today to discuss your public liability insurance policy.
Why having a local Insurance Broker is important
Why having a local broker matters
Having a local insurance broker is a very important decision for your business. Choosing local means you share in, and have access to local insurance knowledge, industry trends and local service.
Local service is important, especially when it comes time to an insurance claim. Having a local insurance broker means that when it comes to a claim, your insurance broker has access to a network of trades that could expedite your repairs, especially in the event of a major Catastrophe where trades tend to be in high demand and are short of supply.
Running a business in Brisbane vs running a business in other areas, for example northern Queensland both come with greatly different insurance considerations. In Brisbane, you have to navigate negotiations with insurers regarding the risks for flooding. Whereas, in north Queensland, you have to navigate tough market conditions regarding cylones and monsoonal weather.
Both have different challenges and dealing with it on your own can be an impossible task. This is where a local broker has a better understanding and pull, rather than a broker situated in NSW for example. An Insurance Broker like Morgan Insurance Brokers located in Brisbane know exactly who to talk to, and where to search for affordable insurance for your business without the need to comprise your insurance coverage.
Morgan Insurance Brokers local presence in Brisbane allows for in person interactions, building trust and a deeper understanding of your insurance requirements.
By working with us, you can trust that we will protect your business as if it were our own.
What is a retroactive date?
What is a retroactive date?
A retroactive date in insurance, standardly when used within a Professional indemnity insurance policy refers to the date and time that your policy will respond to events that could arise in a claim.
Retroactive dates are also commonly used in Management Liability Insurance policies as well.
For example, if your retroactive date was today, then your Professional Indemnity Insurance policy would not cover you for claims made against you for actions or events that happened prior to today's date.
If a notification, or incident that could arise which would trigger your Professional Indemnity insurance policy, the policy would only respond to events that occured on or after the retroactive date.
Standardly, you have the option to choose an unlimited retroactive date or specify a specific date.
Is an unlimited retroactive date more expensive?
If you opt for an unlimited retroactive date to cover for any events in the past, the premium could be more expensive as it offers a greater level of protection for your business.
It is important to note that when you are transferring to a different insurer at any point in time, some insurers will request to see proof of your previous retroactive date before they will match your previous date - whether it be unlimited, or a specific date. A specific date could be the date where you first took out insurance.
Morgan Insurance Brokers can assess your cover requirements, along with your budget to provide you with comprehensive quotes that will protect your business from the risks they face. Contact us today.
Do I need Professional Indemnity Insurance?
What is professional indemnity insurance?
Professional indemnity insurance is a type of insurance coverage designed to protect professionals from claims that arise from errors, omissions, or negligence in their professional services that they've provided.
What industries need professional indemnity insurance?
Occupations and industries that provide professional services, and or give advice such as consultants, accountants, lawyers, architects, engineers. This is not an exhaustive list.
Do I need Professional Indemnity Insurance?
When professionals provide advice or services, there could be a risk that their work may result in financial losses. Professional indemnity insurance helps by protecting you and your business by providing coverage for legal costs and amounts claimed in compensation.
Examples of Professional indemnity claims
- Professional negligence Breach of professional duty
- Misrepresentation Defamation
- Infringement of intellectual property rights.
These are a few examples that could be covered under a professional indemnity insurance.
How using Morgan Insurance Brokers can help your business
Morgan Insurance Brokers can help guide you through obtaining a Professional Indemnity insurance policy that is going to best protect your business. Professional indemnity insurance policies can have quite a few conditions and exclusions that are difficult to interpret. We also have access to a large panel of providers that you may not have access to directly.
Contact us today.
