An introduction to our General Insurance Broking Service. We ll develop a customised insurance and risk management solution to protect your business

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1 An introduction to our General Insurance Broking Service We ll develop a customised insurance and risk management solution to protect your business

2 We ve been helping Australians create secure financial futures since 1840 More than anything else, Australian Unity exists to serve its clients. It is the way we conduct our business now as one of Australia s leading financial services institutions, and the way we have conducted our business for more than 175 years. This can be traced back to 1840 when one of our forebears, Manchester Unity, was established as a friendly society. Manchester Unity s purpose was for its members to make weekly contributions to a common fund, which paid benefits to those members who became ill, lost work, or who otherwise suffered financial hardship. Back in an era when the government supplied minimal community services and benefits, Manchester Unity provided vital financial security to its members. It was a financial service based on mutual trust and dependability, and it is an ideal Australian Unity still holds true today. Since those early days, our range of services has evolved to meet the changing needs of our clients, and we now offer private health cover, property and funds management, retirement villages & aged care facilities, insurances, and personal financial services. And while we are a major provider of financial services in Australia with substantial resources, we will always be driven by our community-based values and our heritage of helping Australians to create secure financial futures. Who is Australian Unity Personal Financial Services? We specialise in providing professional strategic advice to help you improve your current financial position and ultimately achieve your long term lifestyle goals. Importantly, our initial advice isn t a set and forget service. Instead we offer you regular financial mentoring and ongoing guidance in all aspects of your personal finances to set you, and keep you, on the path to financial wellbeing. This pedigree and experience, combined with our corporate strength and leading edge strategic advice capability, means we are uniquely placed to offer you high quality personal financial services each finely tuned to your particular needs to ensure you achieve your vision of a secure financial future. After all, your financial wellbeing is at the heart of everything we do. Australian Unity has a proud 175 year heritage of helping Australians create secure financial futures. The information in this document is general advice only and it does not take into account the objectives, financial situation or needs of any particular person. You should obtain financial advice that addresses your specific objectives, financial situation and needs before making any investment decisions. Whilst every care has been taken in the preparation of this information, Australian Unity Personal Financial Services Ltd does not guarantee the accuracy or completeness of the information. Australian Unity Personal Financial Services Ltd ABN , AFS & Australian Credit Licence No , 114 Albert Road, South Melbourne, VIC Australian Unity Personal Financial Services Ltd is a wholly owned subsidiary of Australian Unity Limited. This document produced in September Copyright one

3 A customised insurance solution can help make sure you and your business are financially protected should the unexpected happen Our General Insurance Broking service is designed to help ensure your business will be in a strong financial position should an unexpected setback occur such as damage to property, theft of stock or equipment, personal injury or a liability case being brought against you. We aim to ensure your business will be appropriately covered for financial losses relating to the unforeseen event, as well as costs you face if you have to cease trading. To help ensure you have comprehensive cover, our experienced general insurance brokers will take the time to understand your business and to identify and evaluate its unique risks that require insuring. We will then design a tailored insurance solution that will provide your business with the level of cover with which you are comfortable. We will then search our panel of reputable insurers to find the policies that best suit your situation. We take into account each insurer s ability to pay claims, their cover and underwriting approach, as well as their willingness to work with you to solve problems in a timely manner. We also take into account insurances you may already hold, your business turnover and size, your budget and operating history, the nature of your industry, as well as how you like to manage risk. In addition, we take into account the policy features you require and, of course, we will aim to find you a very competitive premium. We then help you complete the application and other paperwork to ensure your insurance is processed as quickly and smoothly as possible. Of course, we hope you never have to make a claim. But if you do, we will be there to assist you with the paperwork and liaise with the insurer on your behalf. Ask us to review your business insurance needs Our experienced brokers are skilled at assessing the risks faced by your business, and then sourcing comprehensive insurance policies at competitive premiums to mitigate those risks. So call us today to arrange a review of your business insurance needs. Phone: If there s a better insurance and risk management solution for your business, we ll build it! two

4 A world of insurances at your doorstep Our experienced team of general insurance brokers can assist you with all business insurances including: Property Insurance Loss or Damage to your: Other Speciality Insurances: Buildings, stock, furniture, fittings & all other contents at your premises Stock whilst in transit (overseas & locally) Motor vehicles and contractors plant Portable equipment (tools / electronic equipment / other business property) Cyber risk & liability Product recall / contamination Contract works Commercial strata Personal Insurance Liability Insurance: Public & product liability Professional indemnity Management liability (Includes directors & officers liability, employment practices liability & statutory liability) Business Interruption & Finance: Loss of gross profit / revenue / rent Trade credit Employee fraud / theft Employee Insurance: Workers compensation Corporate travel / kidnap & ransom Keypersons Journey / personal accident Home, contents & personal valuables Landlord / residential strata Motor vehicles / motor cycles Marine craft Personal travel Business Succession & Keyman Insurance Insurance in the event: You or a business partner dies, or can no longer work due to a serious illness or injury Another key person in your business can no longer work due to a serious illness or injury, or death Personal Life Insurance Term life Income protection Trauma Total & permanent disability three

5 Our simple 7-step general insurance broking process could save you a fortune if the unexpected happens Step 7 Review & Update on a Regular Basis Step 1 Risk Identification We identify the insurable risks that could cause significant financial loss to your business Step 2 Risk Evaluation & Treatment We evaluate the potential impact of each insurable risk and provide strategies to help transfer (insure), mitigate or avoid the risk Step 6 Implement Your Agreed Insurance Program Your Business Step 5 Discuss our Recommended Insurance Options Step 4 Negotiate Insurance Coverage & Premiums We negotiate with reputable insurers to source comprehensive policies with competitive premiums Step 3 Develop an Insurance Protection Program Together we help you decide which risks are in the business s best interest to insure four

6 The Australian Unity Group Healthcare Retirement Living Investments Personal Financial Services Australian Unity Personal Financial Services We provide advice on: Wealth Creation Retirement Planning Investments Superannuation Home Loans Commercial & Investment Loans Car & Equipment Finance Personal Estate Planning Business Estate Planning Personal Life Insurances Business Risk Insurances Home and Contents Insurance Car Insurance Travel Insurance Business Insurances We ll develop a customised insurance and risk management solution to protect your business

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