Risk is Good.
We are Emjay Insurance Brokers. Embrace Risk.
At Emjay, we believe risk is good – that it should be embraced, not avoided. Taking risk is the only way to grow. To find the future, to evolve. And often the biggest risk a business faces is not taking any. After all, without risk, there can be no reward.
So we’re out to enable risk.
Smart risk.
Informed risk.
The risk to grow.
Our Purpose is to empower ambitious businesses to take risk.
The insurance profession has a bad name, and we understand why. The truth is, not all insurances are created equal. What seems like a good deal can be far from it. And when it comes to claim time, the experience is often anything but pleasant – if indeed your claim is successful at all.
We think that’s a shame. Because without a trusted insurance industry, it’s hard to take risks. And without risks, growth is difficult.
So we’re working to change things.
To make the complex simple.
To help our clients navigate the insurance tricks.
To make sure you know what’s covered and what’s not.
To build back the trust.
We protect ambitious businesses - those embracing risk needed to grow.
At the end of the day, insurance is nothing more than a promise. And when it comes to promises, trust is everything. That’s why rather than talk about ‘trust’, we’re guaranteeing it.
If you follow our written advice and for any reason our promises are not met, we’ll refund our fee and continue to support you to resolution.
It’s us embracing risk to better enable you to embrace yours.
It’s our skin in your game.
It’s what partnership looks like.
Here's how we do it
We Know Risk
The key to being properly insured is understanding risk. Our Emjay 360º Risk Review™ audits over 30 critical risk areas across your business, from people to processes, statutory obligations to cyber threats.
It’s a process that captures decades of experience and puts it to work for your business; and it’s where we start with every client. It means we know you better and protect you better, right from the start. With understanding like that, it’s no surprise over 95% of the 600+ claims we manage end-to-end for our clients each year are successful.
We've Got Workers Comp Covered
There’s nothing worse than having one of your people injured on the job. It’s bad for them and terrible for business. We hope it won’t happen, but if it does, our specialist team have your back. EmjayRestore™, our comprehensive claims management system, puts us by your side from claim lodgement to resolution, including, where needed, attending medical appointments and direct contact with the injured.
Plus, unlike most brokers, our dedicated Workers Compensation team are fully accredited Return to Work co-ordinators. With over 90% of people back to work in less than 13 weeks, it means better outcomes for your people and your business.
We Punch Above Our Weight
We offer all the benefits and intimacy you’d expect from a boutique broker, without the compromise. With access to a select group of more than 50 insurers and underwriters at home and abroad, we’re able to utilise the very best insurance products available on the planet.
And all clients enjoy the benefits of our Emjay Partner Program which enables preferential access to an exclusive group of hand picked and tested business advisors including lawyers, risk assessors, accountants and business continuity experts. It’s just one of the reasons such a diverse range of clients from established businesses to start-ups choose to partner with us.
We're at Your Service
At its heart, insurance and risk management is a people business. That’s why we take client service so seriously, giving all our clients direct access to a director of the business, and both a dedicated senior account manager and account executive.
So you get three times the service plus the peace of mind in knowing there’s always an expert available to take your call whenever you need. And because the process can be so frustrating, we forecast likely outcomes upfront, so you know what to expect. It’s service that’s proven by our 98% retention rate.
We Dance in the Detail
Insurance is a details game. When it comes to dotting the I’s and crossing the t’s, we’re unrivalled among boutique brokers. We’ve developed numerous bespoke policy wordings that enable broader and more comprehensive coverage for our clients, including Public & Products Liability, Property and Product recall.
And because we know how easy it is to sign a contract that voids your cover, our clients have uncapped access to our Contract Review Service, where we turn around contracts in just 48 hours and find 5+ points to challenge on average. It means the details are working for you, letting you get on with the job of growing your business.
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