If you’re looking for the right type of insurance for your rural business in Albany, make sure you’ve got your checklist handy so you can find the right insurance broker to match you with appropriate rural insurance. We know how much a part of your life your business is, therefore it’s vital to have a good relationship with your insurance broker and ensure they are doing all they can to find the right protection for your specific needs. Here’s how.
1. Experience counts
You can tell if your regional insurance professional has plenty of experience working with rural businesses if they can identify common risks, can mention businesses in your region that they also assist in insuring, and have worked in the industry for some time.
Have a chat to them and find out how long they’re been working as a broker, how long they’ve been covering regional businesses in Albany, and what kind of specific insurance they might recommend for your type of business. You’ll quickly be able to find out if they are experienced enough from the knowledge they hold about your area and the advice they give you.
2. They can visit
If you insurance broker can visit your business to inspect the risks, you’re in the right hands. They should be able to compile from their visit a list of risks which you may face. These might be anything from fire damage to hay, liability for aerial spray, fencing damage during storms, machinery breakdown that can interrupt business, or the loss of crop or livestock.
3. They are clear
A good insurance broker can be spotted by the clarity of language and documentation they provide. They should be easy to get a hold of, easy to talk to, and can explain all documentation and paperwork to you so you understand what you are and are not covered for. Of course we do recommend reading your Product Disclosure Statements yourself, however your rural broker should also be able to clarify anything for you.
4. Spot the risks
Any broker servicing Albany should also know the climate, the region, and the risks associated with living and working in Albany too. For example they will be aware of the gusty winds your business might be subject to, and that wild weather, storms, and cyclones can hit often. As a result they should be able to spot exposures in your business and make suggestions that will prevent these and also protect you better.
If you’re looking for an insurance broker in regional WA or in Albany specifically, contact us at Elliott Insurance Brokers today. We have extensive experience servicing Albany businesses, we know the locals well, and can visit your business to assess the risks and make recommendations. Call us on 1300 635 315 to speak to our regional insurance professionals today.