Noah Leighton Insurance Broker

Being a real estate agent means you have an exciting and dynamic job – you can be your own boss, earn a great income and have a flexible work schedule. However, there are certain unique risks that you face which can leave you vulnerable. To give you peace of mind, you should ensure that you have professional indemnity insurance in place to protect yourself financially against claims from third parties. What is professional indemnity insurance? Professional indemnity insurance is designed to protect you if a third party suffers a loss as a result of your professional actions. This could be due to an act, error, omission or breach of professional duty. For most professionals providing a service, including real estate agents, you should have indemnity insurance in place to protect against the financial impact of claims. Not only can indemnity insurance cover part of the costs relating to successful claims, it also provides the means to pay for legal bills involved with the claims proce...

If you’re trying to navigate your way around the often complex world of insurance and need a little help, it might be time to speak with an insurance broker. An insurance broker is an insurance expert who can provide professional advice and act on your behalf to make insurance a whole lot easier . Let’s take a closer look at what your insurance broker can do for you! 1. Offers expert advice Whether you want to check that you have the right level of cover, want more information about your inclusions or exclusions, or have a question about your premiums, all you need to do is give your insurance broker a call. They have the expert knowledge to offer professional advice around your insurance. 2. Assess your risks The purpose of insurance is to cover your areas of risk so you’re protected financially when things go wrong. Of course, you need to know what your risks are in the first place so you’re not caught out at claim time and that’s where your broker comes in. They’ll be able to lo...

Having an investment property can be smart move financially – property generally increases in value over the time and you can benefit from a regular rental income. However, you need to be smart about things if you want to make the most of your investment. From forgetting about landlord insurance to choosing dodgy tenants, it’s easy for landlords to make mistakes which could cost a lot of money in the long run. Let’s look at some of those mistakes so you can avoid them in the future! Not screening tenants properly Even if certain tenants have given you a great first impression, you need to make sure you do the right background checks to back up your decision. This process can save you a lot of pain in the long run so ask for references from employers and from previous property managers. If a potential tenant has had numerous addresses in the past year, ask them why and try to speak directly with the last property manager to get more information. Not maintaining the property A common...

No matter how careful you are in the day to day running of your business, things can go wrong. Unfortunately, there are times when a simple accident could see you on the receiving end of an expensive claim. For these reasons, businesses need to ensure that they have public liability insurance in place. To help you out, we’re sharing some of the top questions we get asked about public liability insurance. What is public liability insurance? Public liability insurance offers you financial protection if you cause damage to a third party as a result of your actions at work. This could include damage to property or injury to a person. Along with covering the cost of successful claims, your liability insurance will also cover legal bills if you hire a lawyer during the claims process. Why do I need liability insurance? Accidents happen and you need to be protected financially when they do. Something as simple as a client injuring themselves while visiting your office or an employee dama...