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WEDNESDAY, DECEMBER 9, 2015.
MIDWEEK NATION SPECIAL
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Managing claims experience a joy MANAGING INSURANCE CLAIMS is a “joy” and not a chore for claims manager at Sentry Insurance Brokers, Leswyn Richards. According to Richards: “We try to manage client expectations throughout the claims process, all within the shortest possible time. While some claims may be similar in nature, you will never
encounter two identical claims, so our mindset is always proactive especially when some episodes warrant a bit of innovation – thinking outside the box so to speak – to keep the process flowing.” Richards, who has experience in the areas of underwriting, sales and accounting, believes “the
HEALTH AND ACCIDENT INSURANCE TEAM: Safiya Bignall (left) and Kimel Grant. (GP)
most important duty as a broker is to add value. “That’s what differentiates Sentry Insurance Brokers from other entities. “Essentially, you will find prices/rates driving the competition but that value added component sets you apart. There are plenty of new technologies, clever concepts, and even trends that could help companies offer better service to consumers, but too few companies understand that amid all this rapid change, the fundamentals of great service remain the same. It’s about the feeling of being recognised, listened to, valued, and cared for.” With over 12 years’ experience within the insurance industry, Richards has seen it all and is also pleased with the relationships that exist between clients and Sentry
Insurance Brokers. He also holds the view that “Insurance brokers and insurance companies can still improve on the services and products offered to their clients, notwithstanding the current market limitations. With concerted collaboration and efforts, the industry as a whole should explore more seminars and workshops featuring ways to enhance the public’s knowledge on the benefits of insurance, whether it be property and casualty or health.” He also appealed to drivers to remain focused on the roads, ensure their licences are always current, and maintain their vehicle’s functionality. Similarly, he urged homeowners to ensure their building values were adequate to avoid potential diminution adjustments to their claims.
LESWYN RICHARDS, claims manager (left), and Benjamin Ollivierre, claims officer. Missing is Warren Kellman. (GP) He also stressed that policyholders should review their policy documents thoroughly, and seek the necessary clarity on any grey areas from their insurance representative. Richards is supported by his his team of
administrators in Warren Kellman and Benjamin Ollivierre. “With Ben and Warren, I am blessed in some of the most passionate, caring, circumventing service providers anywhere around,” he said.
MANAGING DIRECTOR STEPHEN OLIVIERRE (centre, back row) and deputy managing director Alan Kelly (second left, back row), with the Sentry Insurance team of brokers. (GP)
Understanding the role of an insurance broker Q: What is an insurance broker and their role? A: An insurance broker is an independent insurance intermediary who works with many insurance companies on behalf of their clients. A typical insurance agent works for one specific company and chooses policies for their clients from within that company. A broker is different, as he has access to many insurance companies and their products. Q: What are the benefits of using
an insurance broker? A: Finding the right level of insurance, saving time and money. Since they are experts in the market, brokers can use their knowledge and experience to advise you on a suitable level of cover. Given the high volume of business they handle, they can secure exclusive deals from insurers. A broker is responsible for ensuring that any optional extras or cover not included within your policy
are clearly disclosed giving you the opportunity to rectify where possible. Not only is your broker there to see you obtain the best deals available on the market, but any claims are dealt with via your broker to save you the hassle and worry, through what can be a difficult and frustrating process. Q: Would I have to pay a broker for his or her services? A: No. Using a broker doesn’t cost
more than going direct. Brokers are paid a commission by the insurance provider for selling their products so you shouldn’t need to pay an additional fee on top of your premium. Q: What additional services could a broker offer? A: A broker could assist in identifying and measuring risk, designing, implementing and measuring risk control measures,
contingency planning and claims negotiation services. Q: When should I engage the services of a broker? A: Immediately. Whether you’re looking for basic car insurance or a complete suite of business coverages, you need to find the right insurance that will keep you protected. An independent insurance broker 0is your best option.