Phoenix Insurance Brokers

August is Tradies National Health Month, a vital initiative dedicated to raising awareness about the physical and mental health of our hardworking tradies.

With the current trade shortage and housing crisis in Australia, it's more important than ever to ensure the health and wellbeing of our hardworking tradies.

This month, let’s prioritise their wellbeing by sharing the load—whether it’s through proper lifting techniques, mental health support, or regular check-ups. Remember, taking care of our tradies ensures they can continue to build, create, and innovate safely.

Join the conversation and help spread the message!

Major changes to WA's workers compensation laws are set to take effect July 1, 2024⏰

Under the new legislation, employers will be held to higher standards, with increased fines for non-compliance. However, these changes also bring benefits such as higher caps on medical expenses and easier access to provisional payments for deferred liability claims🦺

To read more about these changes and what you need to know, head to the below link👇
https://www.phoenixins.com.au/news/wa-workers-compensation-update/

Making a claim can be scary, especially if you're navigating it alone.

That's why people from across WA, like this Broome-based client, choose to insure through a broker like us.

From businesses to homes or assets, we want insurance to be easy for you👏🏼
Contact us today for personalised insurance advice📞

Disclaimer: Any insurance product information on this page is general advice only.
AFSL: 229847

As a sporting club, it's no surprise that equipment is vital to on-field success, but clubs like Roebuck Bay CC in Broome are one of the many teams that pride themselves on the community that is built every year alongside the games, with former players being encouraged to stay heavily involved in the club👏🏼

As a sponsor of the Roebuck Bay Cricket Club, we provide funds that often contribute to the purchasing of uniforms, shire fees and training equipment, with one of the latest purchases being a new bowling machine for training🏏

Being established in the mid 90's they are no stranger to a competition or premiership win, with the most recent victory in 2022 with the A-Grade Senior Mens Team🏆

Disclaimer: Any insurance product information on this page is general advice only
AFSL: 229847

Did you know we sponsor over a dozen clubs around WA? This includes Perth Football Club, who are celebrating 125 years of club history, alongside several exciting new signings such as Charlie Constable and Sam Simpson for the upcoming 2024 season👏🏼

We have sponsored the club for 10+ years, which includes supporting their many community initiatives and servicing their insurance needs.

We are wishing everyone a Happy New Year, we hope 2024 brings you nothing but happiness & success✨

Stay safe this festive season, we can't wait to see you when we return on the 4th of January 2024🎆

Merry Christmas from the Phoenix Insurance team! We hope you have a happy and safe Christmas🎄🎅

We are now out of Office until Thursday 4th of January 2024, all enquiries will be responded to on our return.

We wish you a Merry Christmas and a Happy New Year. Stay safe this festive season🎅🎄

Don't wait until the unexpected happens and you're left in the dark, review & update your Insurance Policies today!

Start 2024 with clarity and security that your insurance policies are up to date👏🏼

As a small business owner, time is precious.

Let's be honest, who has the time to spend 45 minutes waiting on hold for an insurer to provide a claim update?

Insurance provides protection for assets and exposure to liabilities, it is an important purchase and the future of your business depends on it.

At Phoenix, we have three full-time claims specialists that spend their days presenting claims in the best possible light to Insurers and continuously following them up until the claim has been resolved.

We know that you have a job to do, so let us take the burden of spending hours looking at and comparing insurance policies off you.

Don’t compromise on the level of protection the future of your business depends on, contact us today for tailored advice!

3 Tips to Help You Identify Your Perfect Insurance Broker

☞ Ensure your broker takes the time to understand your business, and will act on the best interests of your business. It's highly important to consider your potential broker's approachability, tone, and how transparent they come across - this person will be your main contact when it comes to your policy and claims after all.
☞ Look for a broker that specialises in your industry. You want personalised advice from your broker that is unique to your business, industry, and expectations.
☞ Look beyond the brokers service offerings. Are they active in their community? While this may not directly affect your insurance policy, this highly reflects the values of the business.

At Phoenix Insurance, we know and understand small business risks, and can work with you to make sure you have the right insurance cover in place. Contact us today for personalised advice📞

Big congratulations to Murray Johnson, one of our Authorised Representatives, for being named a finalist for the Professional Services Award and Small Business Award, at the 2023 South West Business Excellence Awards.

We wish you the best of luck!

Did you know that approximately only 4 in 10 Australian Small and Medium Sized Businesses surveyed in 2022 had confidence they were fully covered for insurance risks in their operations?

Adequate insurance coverage is critical in the sustainability and longevity of your business. Without insurance, you risk being unable to trade, or have large out-of-pocket expenses, should an unexpected event such as, loss, damage to your property, legal claims or workplace injuries arise.

Insurance policies are designed to protect businesses from financial losses that could result from events that are beyond their control. These policies should be customised to the specific needs of each business, depending on the type of industry, size, location, and other factors.fv

Insurance is a critical tool that can protect your business & ensure long-term success. Contact us today for personalised help! 📞📧

As we move into the warmer months in Australia, the risk of a bushfire is something that is typically on everyone's mind. 🔥

It is incredibly important to re-evaluate your insurance coverage, in addition to preparing your home and action plan, should a bushfire happen nearby.

🔥 Review Your Insurance Policy Details 🔥
Take the time to review your Product Disclosure Statement (PDS), and familiarise yourself with the term “Fire Cover”. We recommend considering the most likely fire-related circumstance you might find yourself in, and see if your policy fine print matches your requirements. If you have an insurance broker, make sure to touch base with them to ensure you have the most suitable cover for your risks.

🔥 Prepare Your Home 🔥
Preparation prior to the threat of a fire near your home, is key to ensuring you remain safe.
This includes the preparation of a fire plan, packing an emergency kit, and ensuring you have paper and cyber copies of any important documents (such as your insurance policy), as well as photos and videos, of your property and contents. We recommend the Fire Plan Guide from the NSW Government, or Fire Ready Kit from the Victorian Country Fire Authority, should you not have these plans in place.

When it comes to preparing your home, it is good practice to:
▸ Clear leaves and twigs from your gutters, and ensure the perimeter of your property is free from dry grass, weeds or debris
▸ Replace missing and repair damaged roof tiles
▸ Enclose under-house areas and cover/repair gaps in external walls.
▸ Trim trees & shrubs near buildings
▸ Check your hoses are long enough to reach all areas of your home

No one plans a bushfire, but by preparing your home and action plan in advance, you can ensure that your plan is fireproof.🧑🚒

Although you typically have lower running costs as an Australian Service-Based Business, that does not exclude you from having risks❌

It’s important to consider how your business is protected from risks such as:

▸ A client misinterpreting your advice
▸ An error in your service or advice
▸ A client takes your advice which leads to them suffering a financial loss

When you invest in a policy such as Professional Indemnity Insurance, you are protecting the future of your business, and ensuring you have assistance in funding your legal defence, should your client make a claim against you (exclusions may apply depending on your cover).

Every service-based business is unique, so your coverage and premium will depend on your revenue, business size, the level of coverage you require, who it will cover, as well as your claims history.

Are you confused where to start when searching for the appropriate policy for your business? Contact us today for tailored guidance and support

It’s no surprise that Cyber Attacks can happen to any business - no matter the size. But does your business have the financial resources to recover should you be targeted?

A cyber attack can increase your legal liabilities, cause major financial damage, and risk your business's ability to recover.

It’s a common misconception that Cyber Insurance is just for business technology, or that you don’t collect personal data so Cyber Insurance isn’t required.

Unfortunately, regardless of the size of your business, or the data you collect, you risk direct and indirect financial losses to your business as a result of a cyber incident.

Cyber Insurance can give you peace of mind, as well as assistance in managing and rebuilding your business.

Do you need some guidance on the coverage suitable for your business? Contact us today to speak to one of our experienced brokers

Do you provide professional advice?

There is no doubt that mistakes and errors can occur in any business, let alone when you provide professional advice. While minor errors might be easily fixed, it is worth considering the negative ramifications as a result of incorrect advice provided.

Although Professional Liability Insurance (also known as, Professional Indemnity Cover) might not be mandatory in your industry, it’s an investment that could save your business from severe financial hardship, should you have a successful negligence claim against you or your business.

This insurance can protect you from legal costs associated with a Professional Negligence claim, should one of your clients suffer a loss, as a direct result of your incorrect advice.

Safeguarding your business with Professional Liability Insurance bridges the gap from your General Liability Cover that will not protect your business from claims due to negligence, mistakes, or misrepresentation.

By conducting a risk assessment of your business, you will have a thorough understanding of your professional liabilities. Ensuring you factor in your business size, complexity, scale, and the financial resources you can call on if a client claims against you.

Unfortunately, regardless of the service you provide, you always risk one unhappy client claiming against you, and severely impacting your business.

Contact us today for a tailored policy to suit your unique business and its risks.

While going direct to an insurer may seem enticing, navigating the world of insurance alone can be overwhelming😵‍💫

With so many policies, cover options, providers, and inclusions to choose from, it can be easy to underestimate the level of cover you need.

This is where an Insurance Broker comes in.. an insurance broker can offer expertise, guidance, access to a wide range of insurance options, and be your advocate when it comes time to claim.

Engaging an insurance broker, saves you the precious time of shopping around for policies, liaising with insurers, and identifying potential risks. Leaving you to focus on what you do best.

Don't risk the consequences of an insurance policy that doesn't adequately protect your assets.

Protect your family, your business, and yourself, by contacting us today for personalised insurance advice📞📧

We know you have worked so hard to build your business to where you are today.

Let us help you protect your livelihood🛡️⚔️

Reminder: Update your insurance cover👏🏼

When an underwriter tells us, we have “just a couple things” to do first🫠😵‍💫

How valuable is your time?

As a small business owner, there often isn’t enough hours in the day to do everything. Then add the pressure of being pushed and pulled by your staff, contractors, clients, and family, while trying to find time for yourself.

The additional pressure of looking after your insurance (which is a necessity) is just one more thing added to what can be a never ending list.

When you engage an insurance broker, you are giving yourself back the time that would usually be spent stressing about your policies, due dates, coverage, and even lodging claims.

Are you ready to welcome back time into your life? ⏳

Don’t wait until everyone in a plane flying overhead can see you on the toilet, get in early and protect your assets🛡️

Contact us today for tailored advice with one of our experienced brokers📄
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Let us handle your insurance🤝

So you can focus on what NEEDS your attention👀

Your business📊

Contact us today for tailored advice with one of our experienced brokers📄
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Did you know at Phoenix Insurance Brokers, we offer a full suite of general insurance services?

We can assist with all general insurance including:
➤ Assessing and reviewing your insurance
➤ Full claims management
➤ Arranging premium funding
➤ Risk management

Specialising in business insurance, property insurance, trades insurance, management liability, public liability, professional indemnity, workers' compensation, and personal insurance.

Speak to our team about our insurance services - we’ll help you find tailored insurance solutions unique to your needs.

What you need to know about Business Insurance Packages💼

➤ What is Business Package Insurance?
Business package insurance is a type of business insurance that provides broad coverage for common risks associated with running a business. It is a way of bundling your insurance policies into one simple, easy-to-manage package.

➤ What are the benefits of bundling policies?
Saves Time: It is easy & convenient as there is only one package to manage.
Payment: one easy, ongoing payment
Flexible: Spread your premium payments out as you wish
Affordable: Typically, when you buy 2+ insurance policies from one provider, you'll save money on your overall premium

➤ What policies can I bundle?
Business Insurance Packs will typically offer general protection for businesses, cover may include:
- Property Damage
- Business Interruption
- Theft
- Public & Product Liability
- Machinery Breakdown
- General Property

Why not embrace the Convenience, Security, and Peace Of Mind that Business Package Insurance offers?

Let our expert team handle your insurance needs. Don't leave your business's future to chance - secure it with the right insurance today!

Contact us today for tailored advice!

When you prioritise your level of coverage over the premiums you’re paying, you are safeguarding yourself against unexpected events and risks.

Remember, insurance IS NOT just about making payments; it’s about making SMART CHOICES that SECURE YOUR FUTURE🔐

Don’t compromise on the level of protection the future you deserves, contact us today for tailored advice!

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Don't know what you should be looking for when searching for an Insurance Broker?

Read our top tips for finding your insurance broker🤝

You [& your business] deserve a personalised insurance policy with tailored support.
Reach out to Phoenix Insurance Brokers today for a quote📑
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