Navigating the insurance maze in order to find the right insurance solutions can be hard. That’s where the services of a professional insurance broker can be invaluable.

Brokers are more than just middlemen. An insurance broker works for you, not the insurance company. He or she will help you unravel the complexity of insurance and work with you to identify your risk. They will provide you with all the information you need to make an informed decision so you can get the best cover for you and your business.

Today’s individuals and businesses are exposed to all manner of risks.  Many people are unaware that as an individual you can still be held liable but that a contents policy will in most cases offer you some limited liability protection.

If you’re a business owner, your exposure could also result in unprecedented costs if liable action were to be taken against you, or even an inability to keep trading if a major loss were to occur. Twenty-five percent of small businesses do not reopen after a major loss.

Having the right insurance in place is one of the best investments you can make. A “she’ll be right” attitude is misplaced optimism when it comes to insurance – whatever goes wrong is unlikely to right itself with time.

We’re living in an increasingly regulated and litigious environment and the fast pace of change means individuals and businesses alike must think ahead and plan for the future. Today, Liability, Cyber and Business Interruption insurance should be part of any company’s business plan.

Your broker can advise you and offer different insurance solutions to meet your needs. Then, when it comes time to make a claim, he or she will act as your advocate and manage your claim from start to finish efficiently and effectively, often obtaining a better outcome than you would have achieved on your own.

So don’t settle for an off-the-shelf insurance product that’s not tailored to your individual needs. When it comes to the crunch at claims time, you want to be fully protected and insured for the things that matter to you most.