Our job is to help you to identify the risks that you or your business may be exposed to. The broker will advise you on what insurance’s are available for these risks and will canvas the wholesale business insurance market to obtain the most advantageous terms for these covers providing you with the insurance quotes. The broker will then discuss this with you and when agreed place the cover with the chosen insurer/s and arrange the documentation at the specified insurance rates.
Appropriate insurance is vital for both institutions and individuals. Wrong or inadequate insurance may not serve the needs of these institutions and the individuals. The right advice makes all the difference and prevents costly mistakes. Goldfield Insurance Brokers Ltd staff are specialists in insurance protection, are independent and have an in depth knowledge of the insurance market and are able to provide professional, objective advice on identifying risks and exposures and recommend the most cost effective solutions tailored to suit your interest.
There is a big difference between the two: An insurance agent acts on behalf of one or more insurance companies and can only access those insurers’ products where as a broker acts on your behalf, the policy-holding client. The broker is obliged to act in your best interests, is not tied to any insurer and can arrange the best protection for you at a competitive price.
Brokers generally offer a range of services from arranging; new covers, insurance quotes, renewals and claims. We form an ongoing business relationship with you, the client, which gives us the ability and knowledge to provide a better service to you.
Our first step is to analyse your needs and provide advice on the types of cover appropriate to you. This necessitates a complete review of any existing covers making recommendations on alternative options where needed and possible additional covers.
Our staff will personally contact you to check that your covers are still appropriate, and to check and make any updates and general policy changes that may be required. We will also check current market conditions and where appropriate, re-market your policies and arrange any adjustments required.
We give advice and assistance in formulating and submitting your claim to the insurer. We arrange for a claim form to be completed by you, and keep a watching brief on the claim and liaise between you and the insurer to bring it to a successful resolution within the minimum time possible.