Insurance Health Check

Our Health Check process is designed to offer you the ultimate in peace of mind by managing your risk effectively. We believe the basis of an effective insurance program is a good understanding of your organisation and your tolerance of risk. The fundamental basis of any insurance program is insuring risk, and determining how much risk your organisation is prepared to self insure, and how much you wish to transfer to an Insurer. As you can imagine, there’s a wide range of insurance policies out there, so it’s important your insurance program is properly tailored to meet your organisation’s specific requirements.

By providing an Insurance Health Check, we can help you make some of these decisions, and transfer the level of risk that suits your organisation. Our aim is for you to have peace of mind around your insurance arrangements so you can focus on what you do best.

Following an initial meeting with you to gather information and gain an understanding of your operations, we’ll undertake a comprehensive review of your existing Insurance Program. Once we’re done, we’ll meet with you to present our report and talk to you about what we found. That report will include the following information:

• Executive Summary
• Risk Profiling specific to you industry sector
• Gap Analysis including review of your Disaster Recovery Plan, Financials, Property Valuations etc
• Uninsured Risks Checklist
• Contingency Planning
• Risk Management Identification Sheet
• Sample Risk Matrix
• Building Sum Insured Calculation – if applicable
• Business Interruption Sum Insured Calculation – if applicable

Laws and regulations are constantly changing and can have a significant impact on the way your policy responds to a claim or the adequacy of your sums insured. Things like Work, Health and Safety Legislation, Harmonisation Laws, Carbon Tax to name but a few, have all had implications on insurance. For example, would you be covered if you were fined for a breach of newly updated WHS legislation? Our report will address these issues where they are relevant to your industry sector and save you from potentially serious problems without even knowing.

Finally, our report will include a brief introduction to Guardian – our vision, and our Money Back Service Guarantee. While this report usually costs $500+GST, if after receiving the report, you decided to become a client and have us help you with your insurance, we’ll credit that amount back to you. Even if you end up choosing to go elsewhere, the report will still be incredibly useful for you and could save you much more than that down the track.

To find out more …. call us on 1300 482 734

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