Broker or insurer direct?
Choose your insurance approach. The first choice you need to make is whether you will engage an insurance broker to negotiate with the 70+ approved insurers or deal direct with the insurers yourself...
Broker or insurer direct?
The first choice you need to make is whether you will engage an insurance broker to negotiate with the 70+ approved insurers or deal direct with the insurers yourself. As an insurance broker, EBM has a duty of care to represent your interests at all times, whereas when you deal with the insurer direct they have no duty of care in regard to representing your interests.
When we act as your broker, EBM will examine a wide range of policies and products available from a vast selection of insurance providers worldwide to determine which may be right for your needs; if none are, we will formulate a suitable policy and negotiate its placement with an insurer on your behalf. When you deal direct with the insurer, they will select which of their products most nearly meets your needs, which may leave you exposed to losses.
In circumstances where we act as an agent for the insurer we will inform you prior to undertaking the contract.
Renew or review?
As your business grows or your life changes, the types and levels of insurance policies that you need will change too.
Having an ongoing relationship with EBM means that you can keep us informed of any changes that may affect your insurance and we can adjust your policies accordingly, formulating new cover where necessary.
We recommend against automatically renewing any policies that are due for expiry, as a review can be as simple as asking yourself whether the circumstances have changed.
Your EBM account manager is always available to discuss your situation and review your existing policies to ensure that you are comprehensively covered at all times.
An experienced team
The EBM team is drawn from a group of widely experienced and highly qualified people, and all of our senior brokers are Qualified Practising Insurance Brokers with decades of experience in Australia and internationally. There are a number of areas of specialisation within the company so that clients with highly specific requirements can be assured that they are dealing with brokers well versed in their industry or business.
EBM have developed a number of specialised policies designed to provide solutions to a range of common insurance needs. Ready-made insurance products that we can provide which will meet the needs of most people include:
EBM’s Insurance Market Summary provides insights into current market conditions across key business insurance classes, the various factors affecting the availability of insurance and the approach we take to assist our clients.
Click here to download the Market Summary today.
Many solutions are tailored to the individual needs of the insured however EBM have developed a number of specialised policies designed to provide solutions to a range of common insurance needs. Ready-made insurance products for a wide range of risks that we can provide which will meet the needs of most people include...