Oxley Insurance Brokers Products and Services Brochure

How can we help protect you?

YEARS

1300 799 422 oib.com.au

Protecting your business, your future and your lifestyle.

Insurance has never been easier with your local experts at Oxley Insurance Brokers. Whatever your circumstances, the right insurance can provide you with peace of mind and protection for the people and things you value most.

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Contents

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Service overview

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Insurance with a difference

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Why choose Oxley Insurance Brokers?

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Business insurance

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Life risk insurance

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Workers compensation insurance

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Premium funding

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Service is our policy

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Service overview Our ultimate goal is to provide our clients with peace of mind, not just for now, but for their future too – when they may need us most.

Oxley Insurance Brokers has been offering expert advice in a wide range of insurance solutions since 1976.

We specialise in tailoring packages to fit your personal and business circumstances and pride ourselves on our personalised service at each of our five branches across the Mid North Coast.

Our qualified and experienced brokers offer professional advice on a wide range of policies including: • General insurance • Life insurance • Workers compensation • Premium funding • Financial planning

Oxley Insurance Brokers is a member of the AUB Group, a leading risk management advice and solutions provider in Australasia, which is among the top 250 Australian listed companies. So why not stop by and speak with one of our highly experienced team for expert advice on the best way to look after your financial future?

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Insurance with a difference We offer expert insurance and risk advice to ensure you can work, live or run your business with absolute peace of mind.

Oxley Insurance Brokers offers specialist advice with regional hospitality. We live and breathe our commitment to service and constantly review the way we do business to meet the way you do yours.

You prefer face-to-face meetings? No worries, your place or ours - make an appointment with one of our brokers for a consultation today.

Too busy to get away from work? Feel free to email or call us for advice, quotes or claims.

We offer expert insurance and risk advice in: • • • • •

Business Insurance Life Insurance Financial Planning Workers Compensation Premium Funding

Our aim is to ensure you can work, live or run your business with absolute peace of mind – knowing that your interests are adequately protected and, should it come to claim, that we are here to offer you assistance each step of the way.

Why choose Oxley Insurance Brokers?

Oxley Insurance Brokers offers superior service and advice from experts. We act on your behalf – and when the going gets tough, we have the strength of one of Australia’s leading risk management organisations behind us.

We are committed to: • Explaining policies, without jargon and sales talk.

• Offering personalised claim services.

• Our availability to providing you with policy reviews to help you ensure your policy keeps pace with changes in your business.

• Taking the time to meet with you face to face.

• Supporting our local communities.

• Dealing with you directly – no call centres.

You have direct access to your broker when you need them.

• Getting you the right cover at a competitive price – we are not just here to sell you our product.

We deal directly with more than 200 different insurance companies and insurance specialists around the world.

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Why you should have business insurance...

Help protect and retain your: • Business

• Business reputation

• Lifestyle

• Security – access to funding from banks

• Employees • Clients

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• Suppliers and future financial commitments

Business insurance Life is full of unexpected events – some of which can really set you back. Business insurance can help protect you, or the people and things you value, by covering you for some of those surprises in life.

What insurances do we offer?

• • • • • • • • •

Property damage Electronic and machinery breakdown Business interruption Commercial motor vehicle Public liability Professional indemnity Employment practices liability Management liability Farm package

• Goods in transit • Marine hull and liability • Trade debtors • Aviation • Construction • Home owners warranty • Corporate travel • Cyber risks

Who we cover Oxley Insurance Brokers provides business insurance cover for the sole trader up to the large corporate.

Protecting your business is easy Call us, email us or pop in to speak with one of our friendly brokers who will be able to assess your needs and provide you with recommendations and advice.

Once you are happy to proceed, we will arrange a policy for you.

This can be done over the phone, face to face or via email.

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Why you should have life risk insurance...

• To cover debt • To support your existing lifestyle • To help with medical expenses

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• For partnership buy/sell agreements • To cover a key person in a business • To provide ongoing income for your family's future

Life risk insurance Life risk insurance provides protection and financial peace of mind for you, your family and your business in the event of your death or disablement. No matter your circumstances, we can find you the right policy to fit your needs and provide assurance for your ongoing financial requirements.

What insurances do we offer?

• • • • •

Life Cover Total & Permanent Disability Trauma or Critical Illness Income Protection Business Expenses

• • • •

Key person Insurance Partnership Insurance Group Life Superannuation

Who we cover We cover anyone who earns an income or has financial responsibilities. This includes those providing for their family, either at home or at work, as well as business owners.

Protecting your lifestyle is easy Call us, email us or pop in to speak with one of our friendly brokers who will be able to assess your needs and provide you with recommendations and advice.

Once you are happy to proceed, we will arrange a policy for you.

This can be done over the phone, face to face or via email.

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Why you should have workers compensation insurance...

• To comply with your state's law, if you have employees • To ensure your employees are looked after in the event of an injury

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• To work with employers and help injured workers return to work quickly • To ensure that as an employer, you are fully covered

Workers compensation insurance Workers compensation is compulsory for employers. It covers your employees should they become injured at work for expenses such as medical treatment and rehabilitation, as well as loss of income.

What services do we offer?

Small Employers • Advice for the renewal of your policy • Premium projections leading up to your renewal • Arranging monthly payments of your premium • Help with your renewal declarations • Arranging certificates of currency Medium/Large Employers • Workers compensation education • Deadline scheduling – helping you meet your WorkCover requirements • Advice to assist your business to meet workers compensation statutory obligations • Ensure the correct ANZSIC rating applicable to your business • Wages declaration assistance and audit

• • • • • • • • •

Certificates of currency Attending claims review meetings Coordinating return to work strategies Reviewing quarterly claims reviews Providing monthly reports and premium projections Review claims costs to ensure they are recovered promptly to reduce the impact on your premium Appealing to WorkCover against claims estimates or ratings which are incorrect Providing of claim estimate reviews to reduce the impact rates and scheme performance measures that may increase premiums Providing risk management options

Who we advise We cover all employers who employ staff and pay more than the wage thresholds relevant to each state annually.

Getting advice for your business is easy Call us, email us or pop in to speak with one of our friendly advisers who will be able to assess your needs and provide you with recommendations and advice.

Once you are happy to proceed, we will do the rest.

This can be done over the phone, face to face or via email.

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Why you should use premium funding...

• For ease of cash flow • To free up your existing lines of credit • You can use your money more effectively elsewhere in your business

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• Flexibility to pay up to 12 months for a yearly policy • Easy monthly payments

Premium funding Premium funding is ideal for those looking to avoid lump sum insurance payments and to free up cash flow.

How it works Our insurance premium funding is a simple, fixed rate loan which enables your business to spread the cost of insurance up to 12 months.

It allows you to avoid lump sum insurance payments, which means you can use your capital where it is most needed.

Premium funding offers fixed rates and costs may be tax deductible for your business.

There are no security requirements - the insurance policy itself acts as security.

Who we help We offer premium funding to businesses with insurance premiums in excess of $500 per year.

Getting help with premium funding is easy Call us, email us or pop in to speak with one of our friendly brokers who will be able to assess your needs and organise instalments to suit your cash flow.

Once you are happy to proceed, we will do the rest.

This can be done over the phone, face to face or via email.

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Proven results "Mulvey Transport have used Oxley Insurance Brokers for many years and we are delighted with the high level of service they provide in maintaining the insurance coverage on our extensive fleet of vehicles.

When claims inevitably occur, the team at Oxley Insurance Brokers professionally manage the claims process on our behalf and keep us up to date with the progress of the claim.

I firmly believe that my company has benefited from the personal and professional approach both Paul and Kylie have shown us. I would recommend Oxley Insurance Brokers to any business."

Alec Mulvey - The Mulvey Group of Companies

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Service is our policy We live and breathe our commitment to service and constantly review the way we do business to meet the way you do yours.

Why should I use a broker rather than going to the insurance company directly?

An insurance agent is a representative of a particular insurance company and will only sell products or services from that company.

An insurance broker is the client’s representative and deals on your behalf with a wide range of insurance companies.

Oxley Insurance Brokers works with more than 200 different insurance companies to provide you with the best cover for your circumstances. We also ensure you have direct access to your broker when

you need them, particularly when making a claim (and you won’t be kept on hold by a call centre).

We act on your behalf by obtaining the right cover and getting the most out of what you are entitled to claim.

Oxley Insurance Brokers operates in the insurance market every day. We understand how to place your insurance properly and how to get the right price – not only when you first purchase, but at renewal as well.

Proven results “Garden Village has used the expertise of Oxley Insurance Brokers for the past 7 years in professionally managing our workers compensation.

We continue to be impressed with Mark’s passion and initiatives in helping us to better manage our claims and minimise our premiums through regular claims reviews.

Garden Village has also used Mark’s direct/VIP access to claims review personnel to fast track reviews and finalise claims. I strongly recommended the benefits of using the services of Oxley Insurance Brokers in managing an organisation’s workers compensation claims.”

Tim Everson - General Manager, Garden Village

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How can we help you?

Oxley Insurance Brokers work for you by offering expert advice and personalised service.

Contact us today for a review of your insurance needs.

Please note that this is not financial product advice and does not take into account your particular circumstances or needs. You should obtain advice from your Oxley Insurance Broker. Insurance policies, premium funding and other services are available subject to acceptance of your application. Š Copyright 2016 Oxley Insurance Brokers Oxley Life Solutions Pty Ltd is a member of the Oxley Insurance Group and a Corporate Authorised Representative of Millennium3 Financial Services Pty Ltd ABN 61 094 529 987. Australian Financial Services Licence Number 244252.

YEARS

1300 799 422 oib.com.au