What is the role of an insurance broker?
Insurance brokers are professional advisers who work on behalf of their clients. They help clients identify their exposures and risks by understanding their business, to determine what needs insuring and what can be managed in other ways. Insurance brokers may specialise in specific types of insurance or industries. Similar to a mortgage broker not being the actual lender, insurance brokers are not the insurer, but liaise with the insurers on behalf of their client.
Why use a broker?
Insurance brokers have access to a variety of insurance products and have the ability to deal with a range of insurance companies directly. Brokers are aware of the benefits and costs between majority of Insurers and source the market to obtains covers that fall within the customers requirements. The brokers’ role extends to include arranging and placing covers with the chosen insurers and will often provide advice on how to make the most of their clients insurance budget and covers.
When arranging insurance, many people take shortcuts without seeking proper advice, understanding the fine print or considering whether they are getting value for money. An insurance broker can help you determine the level of cover that is required so you can ensure you are properly protected and are able to make a well informed decision.
Brokers are also available to assist individuals and businesses in designing a customised insurance / risk management solution specifically for their needs. Insurance brokers have knowledge of the insurance market and are able to negotiate competitive premiums on your behalf. A broker will also explain your policy and advise you of any special situations that you need to be aware of. Brokers also provide professional and technical advice in the event of claim, which can be extremely useful.
Why use OneSure Insurance Services as your broker?
As General Insurance brokers, we are able to service all of your insurance requirements, whether it be Commercial Motor and Liability, Professional Indemnity, Business Pack insurance or even your own Home & Contents.
As expected, OneSure Insurance Services has an experienced and specialist team, focused solely on servicing your needs by taking the time to understand your business and tailor the right solution for you.
When you need specialist industry knowledge and the right advice, look no further than OneSure Insurance Services and have us review your current insurance program.