During the year There are so many potential benefits during the year, but the one that is most relevant to most tradies is that you don’t have to deal with a cell centre.
We’ve dealt with hundreds of claims for electricians, carpenters and plenty of other trades. Of course we don’t know how to build a deck or install solar panels, but we know how to deal with the typical claims that come from these activities.
Every Trade Risk client, no matter how small in size, has their own designated account manager. If you need anything at all, you can call or email your account manager and know that you’ll be looked after.
Our higher level of understanding when it comes to trade businesses and our greater level of experience with trade related claims enabled us to fight for the best outcome for you.
This save you time by not having to wait in a call centre queue, and gives you the confidence that you’re dealing with a local expert every time and not potentially an outsourced call centre.
How much extra does it cost for a tradie to use an insurance broker? One of our first jobs as your insurance broker is to find you the most competitive premium for cover which is appropriate for your business.
Claims This really falls into the “during the year” category, but is so important that it deserves its own category.
So if we can find you a more competitive premium than anyone else, including the direct insurers, then we’re actually saving you money rather than costing you more!
There are multiple benefits as a tradie having an insurance broker at the time of a claim – especially a trade insurance broker.
We’re on your side If you purchase your business insurance direct through an insurance company, in the event of a claim it’s you against them. Of course they have to do the right thing, and in most cases it will probably be all okay, but if things get a little grey they’re going to be on their own side, not your side. When you use a broker, you have an expert on your side. Although we have great relationships with the insurance companies, we always on your side and will fight for the best outcome for you. We could give numerous examples of where we have fought against an insurance company because we weren’t happy with their claim offer, and have secured a better result for our client.
We’re experts in the trade Talking more specifically about TradeRisk rather than general insurance brokers, our other big advantage is that we only deal with tradies.
There’s also the time – and therefore money – that we can save you by doing the running around for you. You might be able to spend half a day getting quotes and researching policies to save an extra $50, but how much has that time cost you? A couple of hundred if it’s stopping you from doing what makes you money. Of course you could do it much more quickly, but then you’re just comparing prices and not comparing the policies. What happens when you have a claim declined because the policy wasn’t right for your business activities? Is that worth risking your home over if you get it really wrong? Because we’re experts in the trade industry we can find you competitive rates much more quickly, and you can have the peace of mind knowing that we’ve recommended the right policy for you.
2020 October Issue | 33
