Here’s what most insurance brokers won’t tell you:
❝Thinking about risk and not insurance saves me $5,000 a year.❞ Toby Goad, Director
Again, no business owner actually wants to buy insurance.
But if you have to get it, there are a tonne of advantages in using an insurance broker.
Any insurance broker worth their salt will:
At the end of the day, what you really want is as much protection for your business as possible — for as cheap as possible.
And despite what some brokers might say, insurance might not be the best solution.
That’s exactly why my goal isn’t to sell you insurance. It’s to help you protect you by mitigating risk.
I once worked with the owner of a post office/deli who discovered that $50,000 worth of a particular product had gone missing one morning. I looked at his operation and found that most of his deliveries arrived at 3 AM each day. I also found that every delivery driver (regardless of what they were delivering) had keys to the storeroom where the owner kept all of his stock. Instead of getting $50,000 worth of high-value-item theft insurance (which would have cost about $5,000 a year), I suggested buying an $80 cage with a lock from Bunnings, bolting it to the floor, storing the at-risk product inside the cage, and only giving the relevant delivery driver the key. As expected, the financial risk went away — for a one-off payment of $80 instead of $5,000 per annum.
If you do need to buy insurance (or change insurance policies) and want to secure the most cost-effective policy without the stress of doing the research and paperwork yourself...
And if you want someone in your corner during the claims process, ensuring you get paid out in 7 days instead of 7 months...
I can absolutely help you.
But first…
The Risk Review begins with a 15-minute Zoom call where I’ll learn a bit about your small business.
After that, I’ll send you a report covering your top 5 risks and some ways to mitigate them — ideally without insurance.
(Seriously, if I can solve your problem without arranging insurance for you, I’m happy. I’d prefer to stay honest and build a strong relationship with you rather than sell you something you don’t need.)
Book your free Risk Review now:
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I’m Adam Weaver, owner of Cleversure.
Affordable. Smart. Pragmatic.
These are the pillars of my business.
But what do they mean for you?
Well, they come down to this:
Practical, no-nonsense risk management solutions for any budget, with insurance only as a last
resort.
Because working in this industry for 25 years has taught me one thing above all:
The best insurance policy is the one you didn’t buy — because you solved the problem another way.
For my risk management and insurance broking services, I work with small businesses (with up to 20 staff) across almost all industries in Australia.
I also offer expert assistance for mining, manufacturing, construction, and transport companies and other blue-collar organisations. If you’re a contractor who needs insurance to commence, continue, or get paid for a job ASAP, please get in touch with me now.
In addition, I believe that, as a member of my community, it’s my responsibility to support it. I do this by regularly assisting faith and not-for-profit organisations with all things risk and insurance, and through community service with Rotary.
I’m a general insurance broker, not an insurance provider. As a broker, it’s my job to help you mitigate risk and then, only if you truly need insurance, secure the best possible insurance policy for your business and assist you with claims.
I work for you, not the insurance companies. With that said, there are hundreds of insurers and agencies I’m licensed to hook you up with in Australia. If I can secure you the perfect policy with one of those insurers, that’s fantastic. If not, I will recommend an alternative insurance provider instead — because once again, I’d prefer to stay honest and build a strong relationship with you rather than sell you something you don’t need.
All sorts of insurance, for all sorts of risks. Public liability insurance, professional indemnity insurance, workers’ compensation insurance, building insurance, plant insurance, machinery insurance, directors and management risks insurance, cyber insurance, strata insurance, motor vehicle insurance, farm insurance — the list goes on.
Most of the time, I charge the insurer a fee (commission) for placing business with them; that’s usually how I get paid. If I’m organising a financier to handle your insurance payments, the financier will usually pay me, too. In certain cases, I may charge you a fee directly. But don’t worry — there won’t be any hidden costs. I’ll spell out exactly who will need to pay who for what.
Commercial insurance (AKA insurance for your business) is different from home or car insurance. You can't directly pay it month by month, but I can arrange instalments with a finance company, typically for a year in advance. But don’t worry — part of my job as a broker is to set you up with a competitive finance company and organise the payments for you.
No. Going through multiple brokers for multiple quotes is one of the worst things you can do when considering insurance. It’s the equivalent of going to the ATO via multiple accountants and only serves to confuse the insurance companies, making you look disorganised and untrustworthy in their eyes. This is why I strongly recommend settling on an insurance broker first.
Absolutely. If you’re dissatisfied with your current policy in any way, I can assess it and — assuming you’re keen — help you find a more cost-effective solution or give you some tips on how to improve what you’ve already got.
Yes. My licensee is the Community Broker Network (CBN), which is part of Steadfast. I have a Diploma in Financial Services, am a member of the National Insurance Brokers Association (NIBA), and I’m a Qualified Practising Insurance Broker (QPIB).
If you’re not sure where to start, I suggest booking a free Risk Review. If you have a question I haven’t covered in my FAQs, or if you need urgent help, please call or email me.
+61 439 510 152
adam@cleversure.com.au
I've written some articles about common risks and solutions: