TOOLS AND FREE STUFF TO HELP YOU LEARN ABOUT MANAGING RISK
USING US FOR THE FIRST TIME?
Not sure how it works or what to expect? Read our factsheet to get the low down.
Insurance shouldn't be a 'set and forget' exercise...things change. Read about the importance of regular policy reviews.
Learn about Insurance Premium Funding - what is it and how it help your cash flow.
SURVIVE WITH BUSINESS INTERRUPTION
Business Interruption insurance explained and how it can help your business survive. What have you got to lose?
What is it? How does it affects you and how to avoid it before it costs you buckets.
CHANGES YOU NEED TO TELL US ABOUT
There are some things you should let us know about when they occur to avoid a bad claims experience or inadvertently reduce protection under your policy.
POLICY INFO SHEETS
PUBLIC LIABITY vs PROFESSIONAL INDEMNITY
What is the difference between the two? Do you need both?
What is Business Interruption and do I really need it?
UNDERINSURANCE AND YOUR BUSINESS
What is it? How does it work? And why it can cost you buckets!
CYBER LIABILITY INSURANCE
What is it? What does it cover and why is it the 'latest 'must have' of insurance polices.
EQUIPMENT BREAKDOWN INSURANCE
What is it and what does it cover?
What does it cover and why it is a important insurance cover for any company...big or small.
MANAGEMENT LIABILITY FOR SOLE TRADERS
Why this policy is so important to protect you as a Sole Trader.
UNDERINSURANCE AND YOUR HOME
Will your current Sum Insured cover the actual re-build of your castle? Don't get caught out.
Accidental Damage vs Defined Events - what is the difference? What are "Specified Items"?
What is it and do you really need it?
3rd Party vs Comprehensive. Under 25's vs Nominated Drivers. Windcreen Free Excess cover and Hire Car Benefits. No Claims Bonus. All your options explained.
What does Farm Insurance cover and who should have it?
ILLEGAL ACTITIVES AT YOUR RENTAL PROPERTY
Does insurance cover me if my tenants do something illegal that causes damage? Think... "breaking bad".
UNITED INSURANCE GROUP
Reef Insurance Brokers is an authorised representative of this AFS Licencee. They are great bunch of people who are dedicated to quality insurance broking practices. (Just like us...)
FLOOD MAPS FOR:
CAIRNS PORT DOUGLAS and DAINTREE AREAS ATHERTON TABLELANDS INNISFAIL and CASSOWARY COAST
Reef Insurance Brokers is part of UIG which is part of the Steadfast broker network. The Steadfast website has lots of useful tools and articles for business operators and home owners alike.
Australian Financial Complaints Authority (AFCA)
AFCA is the dispute resolution scheme for financial services in Australia. They deal with complaints about credit, finance and loans, insurance, the banking sector and superannuation.
Need to make a complaint about insurance? We can help you navigate the AFCA process. We can't do anything about wait times but because we know the lingo and understand the mechanisms inside insurance we can usually help you prepare you case. It's part of what we do....