If you have had a claim declined by your insurer and need more information about what to do.  Please click on the below link to see how you may be able to resolve your dispute.

http://understandinsurance.com.au/resolving-disputes

We can all agree that the hottest new game on the planet is Pokemon Go!

Recently we had arranged Event Insurance for a client who was meeting with over 1000 likeminded gamers and yes they were playing Pokemon Go.  We at MBJ Insurance Solutions love a challenge and approached the Insurance market.  What we found was interesting –

Thanks to many news outlets letting the world know that this is an amazing game, with many positives such as, getting kids outside, bringing people together to exercise/play and interact.  Wow, even grown men in suits in the city are actively playing this game in their lunch break and not to mention $1.6 M a day for Nintendo.

Like anything that is good, can become bad.  Many issues have begun from playing this game whilst on the move.  For example – two people had fallen off cliffs, there have been many car accidents, large groups of people attending one place at one time, which has caused havoc with traffic, residences and businesses.  The list could go on and on.

In the future, if you organise an event with a large number of attendees, it is very important for you to obtain a Public Liability Insurance policy.  It may seem innocent organising such an event, but if anyone was to get hurt or damage any property, you could be left liable.

Our client completed a proposal form and I obtained a number of quotes from insurers I knew could assist.   The client placed cover and the event was successful.

If you are considering a one-day event for – Fundraising, Pokemon Go or a Market stall.  Speak with us today so we can work out the best insurance options for you.

Renee Papastergou.

Have you considered the other option? The what if? -  We as Australians pride ourselves with our assets and work damn hard to acquire them. However we are also well known to put our head in the sand and roll things over like our -Mortgages and General insurances. With such shows as the nightly news and A current affair constantly trying to remind us that we can save money here or there in these areas? But I like many, at the time of watching such shows and thinking I need to do something about that and once the program finishes it falls to the waist side.

As there are so many options available it can seem over whelming. Do it yourself online, convenient yes, but are you completely sure of what you are purchasing? If you purchase a policy that can cost very little at the beginning (you get what you paid for) I guess you will find out when things happen and a claim needs to be lodged. Are you happy with this option to protect that business you have given your all too? Or that brand new car that cost an arm and a leg but could cost you more in a claim because you did not read the fine print well and didn’t opt in for a hire car after the accident occurred. Sometimes it’s the little things that can cost us in time and money.
Let’s put it another way if you are unwell and yes we are all guilty of DR Google but when we have had enough we go and see a medical doctor to get the correct diagnosis. Well it is the same for the Insurances would you not want to make sure that the policy you have purchased or have had for years is covering you and your assets well in the event of a claim.
 I have had a new client just recently mention that she did not even know that Insurances brokers existed.

This is the way I like to explain what exactly it is that we do and have to offer - As your broker, we work for you - arranging, placing and managing all of your insurance requirements. We approach the market to find you the right cover, at the right price - saving you valuable time and money. We have facilities with a wide range of insurers, including the world's largest and strongest. With products ranging from comprehensive commercial policies - including Industrial Special Risks, Business Insurance, Public Liability, Farm, Motor Fleets, Professional Indemnity, Corporate Travel and Business Interruption, to name just a few; as well as the full suite of domestic products including Home & Contents and Motor Vehicle - we can assist you with advice and solutions for all of your insurance needs. We also offer full claims management to save you time as we will fight to make sure your full compensation is provided from the insurance company.
 
MBJ insurance Solutions would like to offer new clients a no obligation free quote to review your current insurances and see if your policies will give you peace of mind that you are covered correctly. Even if you are actually with an insurance broker we like to offer second opinions and it is completely up to you what your next step would be. But we are always up for a coffee chat to discuss further.
 
Renee Papastergou

Are you covered if you need to cancel an event?

We are pleased to be able to assist you with event cancellation and non appearance insurance for a wide variety of events and artists.  Coverage includes cancellation and abandonment, non appearance, pluvius and prize indemnity for the likes of:

• Major acts and artists;
• Concerts and events;
• Producers of theatre shows, musicals or similar;
• Fairs, fetes and shows;
• Promoters and third party suppliers with costs, expenses and revenue dependent on the event;
• Event organisers wanting to offer an incentive prize to attract customers, patrons or attendees;
• Media companies, broadcasters, sponsors, advertisers and promotion agencies;
• Product launches;
• Advertising campaigns;
• Small bands on tour at small venues, festivals and events;
• Graduation ceremonies;
• Conferences and expos (annual and event specific);
• Venues expecting revenue for bookings dependent on the acts.

If you require a quote on contingency insurance today please contact our office.

By: BM

I had the pleasure of seeing keynote speaker John Maher at our recent Conference.  The moment he began his presentation he had my full attention.  Everyone in the room was moved by your story John and it was really hard to hold back the tears.
 
You never know what’s around the corner 
 
Life was perfect for John, Ange and their four daughters until John was seriously injured in a car crash at age 42.  A successful Life Insurance Manager, John was soon told by doctors that he would never work again.  His journey will shock and enlighten you.
 

Life wasn’t finished with John and his family.
 
Just 2 years after John’s car crash, worse was to come.  On a beautiful Saturday morning after taking her best friend to work, Carmen (18) the youngest of their four daughters, was killed in a car crash.  
 
The doctors were wrong about John, because in Carmen’s death, John found the strength to tell his story, and he is an inspirational International Keynote Speaker.  He will inspire you, he will challenge you, and give you hope.
 
Make sure you spend the time to either review your current policy sum insured's or take out an Income Protection policy today.  Contact us to arrange.
 
By:  BM

https://www.facebook.com/carmenroadsafety
https://motivationalspeakeraus.com.au/home#main

Here at MBJ Insurance Solutions we understand that lodging an insurance claim can sometimes be daunting.

Our service to you, is to handle and manage your claims on your behalf.  We have great relationships with our insurers and they guarantee excellent claims service.   

Below is a shortlist of the information and documents to have on hand if you need to lodge a claim to ensure the process is seamless:

• Complete the online claim form if it is available
• Policy number and insurance policy type
• The date of loss or when the incident occurred
• The estimated amount of the loss
• The details of the incident
• Name, address, drivers licence number & vehicle registration of any third parties involved in an accident
  
• Any supporting documentation that would be useful in processing your claim

http://www.mbjinsurance.com.au/claims-services.html

Please contact us if you require assistance with your claim.

By: BM

An insurance broker can save you time, money and worry. Just like an accountant or lawyer who provides you with professional advice, based on years of training and experience, a qualified broker can do the same with your insurance.

When arranging insurance, many people take shortcuts without seeking proper advice, understanding the fine print or considering whether they are getting value for money. Often they are disappointed when their insurance doesn't come to the rescue.
Whether it's business or personal insurance, brokers provide advice and assistance to make sure you are properly protected.

Using an insurance broker doesn't necessarily cost more. Often it costs less because brokers have in depth knowledge of the insurance market and the ability to negotiate on your behalf. A broker will also explain your policy and any special situations you need to watch out for. Furthermore, a broker is obliged to advise you of fees charged for services provided to you.
You will benefit most by developing a close business relationship where the broker understands your future plans, the associated risks and how you like to do business. 

An insurance broker's foremost duty is to his or her client. An insurance broker works for you, not for the insurance companies.




Why use a STEADFAST Insurance Broker?Steadfast Insurance Brokers are part of the largest general insurance broker network in Australia and New Zealand. Check out the short video below to find out why you should speak to one today.

Key Business person and succession insurance are an integral part of succession planning that allows for the efficient and fair realisation of equity between owners of a business, if one business owner dies or needs to leave the business due to illness or disablement.


Any business succession plan should facilitate: the transfer of equity between the remaining business owners, certainty that beneficiaries receive their full entitlement for the value of the equity in the business, and protection of the value of the business if one owner dies or suffers illness or disablement


Business succession insurance is designed to provide the necessary funding to achieve these goals. Insurance can be a tricky area with lots of options to consider, so contact us today to arrange an advisor to protect you and your family.

Professional indemnity insurance protects a business and its employees when they are sued for an act, error or omission in relation to the provision of professional services. Complicated legal issues relating to professional indemnity can result in the professional incurring significant legal costs in protecting their business and their professional reputation. A Professional Indemnity Insurance policy provides protection for the professional against those costs and the resultant impact on their business and their livelihood.


 Types of claims

• Professional indemnity claims arising out of the provision of professional services
• Libel, slander or defamation against a third party
• Loss of client documentation
• Legal liability for damages and claimants' costs/expenses arising from an act, error or omission/civil liability of the "company's" employees
• Wrongful or inadequate advice to a third party
• Acting without proper instructions or failure to act in accordance with the third party's instructions
• Failure to advise third party
• Breaches of Trade Practices Act/Fair Trading Legislation - eg misleading or deceptive conduct
• Breaches of statutes - eg Corporations Law, Uniform Consumer Credit Code. 
  
  

Contact us today so we can arrange a quote for you.