Noah Leighton Insurance Broker

Unless you’re very lucky, chances are that you’ll need to make an insurance claim at one point or another. So, what exactly do you need to do when you make an insurance claim? Today, we’ll be looking at the steps you need to consider to make the process of making your insurance claim as easy as possible. Let your insurer know as soon as possible If you need to make a claim, it’s best to call your insurer as soon as possible and have your insurance policy handy so you can provide a policy number. If you’re not sure that your scenario warrants a claim, have a look at your policy Product Disclosure Statement (PDS) to look at your exclusions. If you’re not sure, don’t worry – your insurer be able to advise you on whether the claim can proceed. Provide documentation When making a claim, gather together the documentation which may help in the claims process. This includes proof of purchase items, such as receipts or photos. In the case of stolen or vandalised items, your insurer will gen...

When you ask most businesses what insurance cover they have in place, public liability insurance is generally at the top of the list. This cover protects you financially against third party claims if you cause damage or injury as a result of your actions at work. Of course, your liability insurance can’t cover everything and there are certain exclusions you need to consider. Today, we’ll be looking at some of the common situations which won’t be covered through your public liability insurance . Injury to employees While public liability insurance is designed to cover you and your employees if a third party suffers damage to their property or injury, it won’t cover injuries to your employees. To make sure your employees are covered in the event of an injury, you need to make sure you have workers compensation insurance in place – remember, workers compensation insurance is compulsory in Australia! Property in your control Although damage to a third party is covered with your liabili...

It’s a tough decision when it comes to choosing an investment property. You have to consider factors such as location, cost, financial goals, interest rates and the type of property. With all the effort that you’ve put in to purchasing your property, it makes sense that you should have the right insurance in place to protect your investment. Today, we’ll be looking at some of the benefits of having landlords insurance in place. 1. Protects against damage No matter how trustworthy your tenants seem, there may be instances where malicious damage or vandalism occurs due to their actions or that of their visitors. The cost of fixing damage can be expensive which is why landlords insurance is so essential – it protects you against the costs involved so you’re not out of pocket. Of course, not all damage is intentional and there may be times when well-meaning tenants cause accidental damage. Don’t worry, your landlord insurance will also cover these circumstances! 2. Covers loss of rent...

If you’re thinking of getting in touch with an insurance broker in Perth to give you a hand with your cover, it’s a smart move! There are a number of benefits associated with using an insurance broker – they’re experts when it comes to the world of insurance and can help you find the best cover possible for your unique set of risks. Of course, one of the main benefits that comes with using a broker is that they can save you money. Let’s take a look at how they do it. They can shop around If you’re like most people, you just don’t have the time to compare a whole heap of different policies to find the right price. That’s where your broker comes in. They’ll compare a number of different policies on your behalf to find cover that offers the best value. Due to the professional networking connections your broker has, they also have the power to negotiate with insurers around the cost of your premiums. They get the balance right The problem with opting for the cheapest insurance policy ...

Professional indemnity insurance is one of those things that a lot of professionals assume doesn’t apply to them. After all, you’re not a doctor or a lawyer – why would you need it? The truth is that many professionals should have indemnity cover in place to protect them if something goes wrong. Today, we’ll be looking a little closer at professional indemnity insurance and who needs this cover in place. What is professional indemnity insurance? If you provide professional services or advice as part of your job, chances are that you’re going to need professional indemnity insurance. Indemnity cover will protect against the cost of damages or legal bills following a legal claim from a third party if they suffer damage or loss as a result your professional actions. This loss or damage could be the result of an act, error, omission or breach of professional duty. Without indemnity insurance in place, you wouldn’t have any financial protection if a third party decides to take legal acti...

If you run your own business, chances are that you’ve heard of public liability insurance and this is an essential form of cover for most (if not all) businesses. However, when you’re after a public liability insurance quote , product liability insurance will most likely also be included. So, what is product liability insurance and how does it differ from your public liability cover? Let’s take a look! Public liability insurance Public liability insurance will protect you financially against third party claims if you’re found liable for damage to property or injury to a person due to your actions at work. This could include clients tripping over and injuring themselves in your office, to accidental damage to client property whilst working onsite. Along with assisting with the cost of a successful claim, your public liability insurance also helps cover legal bills if you need to hire a lawyer during the claims process. The costs involved with a public liability claim could include r...

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...