It’s vital for people from all walks of life to get their insurance right. Otherwise, you could be paying premiums that are way too high – or worse – find that you are not covered adequately if the need to use your insurance arises.

Insurance brokers carry a range of services to ensure you are getting the best possible deal, paying the lowest premiums and having the highest levels of coverage possible. Some of the other benefits you will get from using a qualified and experienced insurance broker include:

You will get clarity on your exposure to risk

Every insurance policy is different with varying terms and conditions, inclusions and levels of protection. That also means that you might be open to elements of risk. The very point of insurance is to be covered in case things go awry financially, so the last thing you want is to find out your insurance does not cover you. Your insurance broker will analyse your coverage and detail any potential risk so that you can adjust your policies.

Industry specific training and guidance

All of our insurance brokers hold Australian Financial Services Licence (AFSL) or have been authorised by an AFSL holder so you know they have the relevant certifications, qualifications and industry experience. They understand all levels of compliance and current industry-related legislation so you can be assured of the highest standards of expert advice and guidance for your insurance needs.

Save time by dealing directly with the insurer

You can spend hours, days and even weeks researching different insurance companies and their policies. Then you have to spend time negotiating premiums with consultants over the phone or online. It can be exhausting. Your insurance broker takes care of all of this for you, locking down the best premiums with the right level of coverage for your requirements – saving you enormous amounts of time.

You will have a strong advocate at claim time

Claiming on insurance can be an arduous task, with meticulous attention to detail required, enormous amounts of paperwork and interviews and undue stress during an already stressful time.

Your insurance broker will handle this burden for you, liaising directly with the insurer and advocating for the right outcome for you. Your broker will take care of everything from the lodgement of the claim, assembling documents and using their industry experience to expedite the process.

Personalised service and regular reviews of your coverage

Insurance is not a one-size-fits-all process. There is no one strategy that is going to apply to every client, so your insurance broker will get to know you, your individual circumstances and requirements and what level of insurance is best suited for you.

Insurance is not a set-and-forget process either. Your insurance broker will regularly review your circumstances, changes to your policy that are made by the insurer and new legislation and regulations that could impact you. That way you can be assured your coverage is always of the highest standards and bespoke to your requirements.

For more information on Ironbark Wealth Advisers‘ insurance broker services, please feel free to contact our expert team in Dubbo on (02) 6884 4680 or email us at

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