How Rothbury brokers work on behalf of their clients

An insurance broker is an independent professional adviser who provides advice and guidance to meet their client’s insurance needs. No two individuals are the same, and that means their insurance needs aren't the same either.

Your Rothbury broker will:

• Apply their local knowledge and insurance expertise to recommend suitable insurance policies based on the information received. A broker will consider the essential elements when recommending your insurance cover (such as your business operating model, risk appetite and the value of your assets).
  
• Negotiate with different insurers on your behalf to obtain appropriate policy terms. With access to over 40 insurers, we have a wide range of business, speciality and personal insurance solutions.
  
• Conduct a comprehensive review of your insurance cover to reflect any changes in your situation and in the market (such as the sum insured value for your building).    
  
• Rothbury has a dedicated Claims team to manage your claim from beginning to end. When you need to make a claim, your broker will arrange for claim experts to assist you and review settlement offers from insurers to ensure the best outcome achievable

Insurance affordability is an issue for many home and business owners amid the current economic environment. Price sensitivity has heightened over the past couple of years and many people not just examining the cost of insurance but also the extent of their coverage.

If you want to make changes and/or reductions to your insurance coverage, your Rothbury broker can discuss your options with you (such as taking higher excesses or risk mitigation strategies) to help ensure your decision is well-informed.

Underestimating your potential losses and risks can mean you're out-of-pocket in the event of an insurable incident (such as a natural disaster, fire or theft).