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We live in a DIY society. Whether it’s planning an overseas holiday or renovating our home, many of us get great satisfaction from taking control and doing it ourselves – and saving a few dollars along the way.

Some business owners consider insurance to be no different. These days there are lots of insurance options, many of which you can buy online with just the click of a button. But while it may be faster and easier to buy an off-the-shelf insurance solution for your business, can you really be sure that you’re selecting the right coverage for your specific needs?

Yes, without doubt, you know your business. You’re the expert when it comes to understanding your operations. But that doesn’t mean you’re an insurance expert.

Every policy is different and the range of insurance options on the market can be overwhelming. There can be huge variances in the coverage and exclusions of different policies from different insurers. This makes choosing insurance on price alone a potentially dangerous game.

Insurance is just like most other aspects of life: you get what you pay for.

If you’re insurance is cheap, it’s because there are probably major gaps in the cover, which could lead to a nasty surprise in the event of a claim. You might save a bit on your premium upfront, but if you’re faced with a claim that small saving may pale into insignificance if your policy doesn’t cover your loss.

Selecting insurance to protect your business is definitely not the time to DIY!

That’s why advice is essential and it pays to talk to an insurance broker. They can do all the hard work for you, working out the best options and selecting the right policies – so you can go back to working on your business.

Insurance brokers are qualified experts. The knowledge, insights and practical experience an insurance broker provides means you can be confident that your business is properly protected. By taking the time to understand and assess your risk, they can give you true professional advice. They deliver a personalised service, reviewing all the available options and tailoring cover to suit your risk.

And your insurance broker is always on your side. They’re your partner in business and will advocate for your needs at all times, including when you make a claim; the calming hand they provide can help make a difficult time less stressful.

Remember, price isn’t everything. If your coverage isn’t adequate, it could lead to your business having to close its doors. Don’t take the risk. Talk to a specialist insurance broker and make sure your business is protected.

Emjay Insurance Brokers is the SME insurance broker of choice for the SME Association of Australia and are ideally placed to help you with all your insurance and risk requirements. Contact us today to discuss your needs on (02) 9796 0400.

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