Choosing an insurer involves more than comparing the premium.

Two policies with similar prices can have materially different:

• Cover
• Exclusions
• Limits
• Sub-limits
• Excesses
• Conditions
• Claims processes

What should be compared? #

Relevant factors can include:

• The insurer’s appetite for your occupation or industry
• Experience with the type of risk
• Scope of cover
• Important exclusions and restrictions
• Policy limits and sub-limits
• Excesses
• Defence-cost treatment
• Claims service
• Insurer financial security
• Contractual or regulatory requirements
• Premium
• Available payment options

Some insurers specialise in particular occupations or industries, while others may exclude activities that are important to your business.

What does Webber Insurance do? #

As your insurance broker, we can:

• Approach insurers and underwriting agencies prepared to consider your risk
• Compare available quotations
• Identify material differences in cover
• Explain exclusions, limits and excesses
• Consider contractual or regulatory insurance requirements
• Access specialist or overseas markets where appropriate

The most appropriate option depends on the individual business and the insurance available at the time.

We can explain the available options and provide advice from an insurance broking perspective, with the final decision remaining yours.

Contact our team if you would like help comparing insurance options.