After thieves broke into Craig Torr’s gated home, his insurance company refused to accept his claim until Tim Chadwick negotiated a payout
6 Your Guide to Ensuring a Stress-Free Claim Expert Tips to Navigate the
Claims Process with Ease and Confidence We delve into the initial challenges Craig Torr faced making a claim and how Chadwicks turned a potential disaster into a successful claim resolution.
As the founder and CEO of Chadwicks, I am pleased to present this guide which is packed with practical tips and insights to help simplify insurance.
Our aim is to try and help you to make better insurance choices, by finding the best coverage to meet your specific needs, and by making claims hassle free. Whether you’re a business owner or a homeowner, there is something for everyone. At Chadwicks Insurance, we believe that understanding your insurance options is crucial to securing the best protection.
This guide walks you through essential questions to ask your broker, helps you identify potential underinsurance pitfalls, and highlights the importance of having a robust risk management strategy. By following the steps outlined in this guide, you can optimise your insurance coverage and avoid unforeseen surprises when it comes time to make a claim.
Tim Chadwick, CEO & Founder Chadwicks Insurance
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International Wildlife Photographer Hannes Lochner’s 4WD was destroyed by a Hippo. Thanks to Tim Chadwick,his broker, he was back on the road in under 24 hours 10
No one likes dealing with insurance, not even us, but we love what we do. That’s because we aren’t insurers; we are brokers.
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Learn how to ensure adequate coverage for your business and protect your assets.. 14
Whereas brokers ensure fast and fair payouts when you need them.
We delve into the initial challenges Craig Torr faced and how Chadwicks turned a potential disaster into a successful claim resolution.
When your insurance claim is rejected, it’s not just about losing money— it’s about dealing with a system you trusted to look after you when things went wrong.
Craig Torr’s claim was denied for no good reason, and his story shows how important it is to have a good insurance broker like Chadwicks on your side to ensure you have the best chance of getting your claim paid.
This situation showed the problem of denying a claim and how Chadwick turned a potential disaster into a win by fighting hard for Craig.
Craig remembers the incident that started it all: “We were away for a long weekend and left our
domestic worker to look after the house,” said Craig.
“The thieves broke through the front gate, got past the electric fence, and entered the house.”
Even though he had good security and someone was at home, his insurance claim was rejected.
Why? The insurance company said the house was “unattended” because the alarm wasn’t on, leaving Craig at risk of a significant financial loss.
At this critical point, Chadwicks Insurance stepped in.
“Chadwicks sorted out the claim for us,” Craig explains.
They did more than talk; they challenged the insurance company’s idea of what “unattended” meant, arguing that having the housekeeper there
should have been enough.
After thieves his insurance until Tim
Craig points out how vital the broker was in defending his rights, saying, “Tim Chadwick and his team will do whatever they can to make sure the claim is paid, within the law and policy rules, of course.”
This kind of support from Chadwicks shows they don’t just handle insurance; they fight for fairness, ensuring their clients’ claims are considered.
This event highlights the difference between buying insurance online and using a broker like Chadwicks.
Online insurance might seem cheaper, but as Craig found out, any savings might be lost if you need the proper support.
Chadwick prioritises client rights and proper claim handling,
Tim Chadwick negotiated a payout
which is a significant change from direct insurance companies’ often distant operations.
With careful negotiation and a deep understanding of insurance policies, Chadwicks had Craig’s claim approved and showed why having a broker who cares about their clients is crucial.
Their mix of insurance skills and a dedication to fairness shows why more people are choosing brokers like Chadwicks to protect their assets and peace of mind.
Craig Torr’s story is a powerful example for anyone reviewing their insurance options: you need the right broker.
It raises an important question about what you’re getting for your insurance payments: Is it just basic
coverage or the promise of reliable support when you need it most?
Fortunately, Craig’s decision to go with Chadwicks was a game-changer. His story might have been just another statistic of denied claims without them.
Chadwicks
approach went beyond mere negotiation. They challenged my insurance company’s interpretation.
Without
their help my claim would’ve been dismissed.
Craig Torr
Navigating an insurance claim can be a daunting and stressful experience, especially during emergencies or when insurance companies are closed.
At Chadwicks Insurance, we understand the challenges you face, and following the key points in this article could mean the difference between obtaining a payout or having your claim rejected.
Whether you’re dealing with property damage, motor accidents, or insurance emergencies, these step-by-step guides will help you manage your claim smoothly.
Responding to Incidents on Public Holidays or Weekends
Even if on-site assessments are delayed due to office closures, it is crucial to document the damage and contact your insurance company or service providers as soon as they reopen.
Tim Chadwick, a leading insurance broker, advises, “Make temporary repairs if possible and be sure to keep receipts and submit all information promptly for claim assessments. These costs may be covered by your insurance policy, provided they are seen as necessary and directly related to the prevention of additional damage.”
When faced with property damage, the first and most important step is ensuring safety.
This includes checking for hazards like gas leaks, electrical damage, or structural instability and evacuating the property if necessary.
Documenting the damage with clear photos and videos, noting the date, time, and any details about the cause, is essential.
“Virtually all non life insurance polices require you take to reasonable steps or care to prevent or minimize further damage, like boarding up broken windows or covering a hole in the roof,” says Chadwick. “Not doing so may affect your coverage.”
Temporary repairs, when safe, can mitigate further damage, but it’s vital to keep receipts for any repairs or materials.
Abandoning damaged property will also negatively affect your coverage, so it’s essential to stay involved in the process.
Prevent additional loss by turning off utilities or removing valuables from a flooded area.
If someone else caused the damage, obtain their contact and insurance information, and if the damage is due to a crime, file a police report and obtain a copy.
Once you have documented the damage and made the property safe, contact your insurance broker or insurer as soon as possible.
“Ask about any specific instructions or documentation they require,” advises Chadwick.
Cooperation with your insurer during the inspection and honest answers to their questions are crucial.
Do not start permanent repairs until your insurance company approves them, and once approved, choose a qualified and reputable contractor.
In the event of a car accident, ensuring safety by moving your vehicle to a safe location away from traffic is the first step.
Exchange contact and insurance details with all drivers involved and document the scene with photos from multiple angles.
Remove any valuables from your vehicle before towing and gather witness information if there are any.
Sketching the accident scene, filing a police report, and seeking medical attention if anyone is injured are also critical steps.
For non-drivable vehicles, contact your insurer to arrange towing to an approved repair centre for assessment and repairs.
If the insurer’s office is closed, arrange for towing to the nearest approved and reputable repairer and keep all receipts and invoices.
For drivable vehicles, your insurer will schedule an assessment and repairs at an approved repair centre.
Follow the instructions provided by your insurance broker and submit all required documentation promptly. This will help ensure a smooth claim process.
Maintaining copies of all communication with your insurance company, photos, police reports, repair estimates, and medical bills (if applicable) is vital.
Clear documentation and prompt communication are key to a successful claim.
Regularly following up with your insurance company for claim updates will keep you informed and help expedite the process. As Tim Chadwick emphasizes, “Clear documentation and prompt communication are key to a successful claim.”
With Chadwicks Insurance by your side, you can navigate the claims process with confidence and ease. By following these guidelines, you can ensure a smoother and less stressful claims process after property damage or a car accident, including claim emergencies.
1. Ensure Safety First - Check for hazards like gas leaks or structural damage and evacuate if necessary.
2. Document Everything - Take clear photos and videos of the damage, noting dates, times, and details about the cause.
3. Make Temporary Repairs (if safe) - Prevent further damage by making temporary repairs and keep all receipts.
4. Stay with Your Property - Don’t abandon damaged property as this will negatively affect your coverage.
5. Gather Essential Information - Collect contact and insurance details from any third parties involved and file a police report if necessary.
6. Keep Records and Follow Up - Maintain copies of all communication, receipts, and documents, and regularly check in with your insurance company for updates.
Wildlife
Lochner’s 4WD was destroyed by a Hippo. Thanks to Tim Chadwick and his team, his claim was dealt promptly and professionally.
In the heart of the Okavango Delta, Botswana, wildlife photographers and filmmakers Hannes Lochner and his wife faced an unusual and dangerous predicament. While crossing a river, their Land Rover was attacked by a hippo, resulting in significant damage and the need for an immediate insurance payout.
This is not your everyday insurance claim, but thanks to Chadwicks Insurance and Tim Chadwick’s dedication, the claim was processed swiftly, allowing the couple to return to their crucial work.
Hannes recounted the harrowing experience: “We crossed the water, and a hippo attacked us, biting into the bonnet of the vehicle, lifted it half a meter, and shook it as much as it could. The teeth went through the front windows.
But it missed the most important engine parts, so luckily, we could drive away. But it did a lot of body damage.”
In such remote locations, communication is often a significant hurdle.
“The only communication that we had was a satellite phone. So we called Tim Chadwick. Tim was one of my clients way back. We were looking for competitive pricing, and he gave us a competitive price on our insurance,” Hannes explained. “I got him on the sat phone, phoned him, and explained the situation.”
Tim Chadwick’s prompt response and efficient handling of the claim were pivotal.
“The time is crucial for me because I need to replace this equipment or, in this case, the vehicle needs to be sorted out ASAP. The process was sorted out over the satellite phone. A few days
later, we drove to a little village and called when we got the internet. The paperwork was filed out and sent in, and the claim was sorted out very quickly.”
This wasn’t the first time Chadwicks Insurance had come to their rescue.
Another incident involved a drone collision with a tree. “We need to sort these things out very quickly,” Hannes emphasized. “Luckily, our infrastructure is great with some of our sponsors. I needed to replace our gear ASAP because our permits allow us to be there only for a certain time frame.”
The speed and efficiency of Chadwicks Insurance were crucial in these moments.
“The claim was sorted out in just a few days. And we could immediately replace it, and with delivery usually, within 24 to 48 hours, we had a new drone.”
The photo below was taken by Hannes Lochner just before the hippo destroyed his vehicle. Thanks to Tim Chadwick he had a new vehicle within 24 hours
Hannes highlighted the importance of having a personal relationship with an insurance provider.
“It’s a trust issue as well. I don’t have to deal with a hundred different people. It’s great. Not that I have a hundred claims, but you know what I mean. For us, it’s all about time. We don’t have it because we pay a lot of money to be able to film in certain areas, and we have deadlines to meet.”
When asked about the difference between Chadwicks and other insurance companies, Hannes shared a telling example:
“I was with a huge company before Chadwicks, and every time I submitted a claim or anything, I was a number. It wasn’t a personal relationship or business relationship. With Chadwicks, I’ve never had a problem, as long as you’re being honest and you tell them exactly what you do. That’s why I’ve been with them for over ten years.”
Chadwicks Insurance stands out for its reliability, speed, and personal touch. It is an indispensable partner for those in challenging and remote environments.
As Hannes concluded, “It always helps when your claim is sorted out within 24 to 48 hours, and the money’s in your account within another 24 hours. You can do the transfer, and everything is back to normal within six days. Chadwicks Insurance has always been great with helping us.”
No one likes dealing with insurance, but at Chadwicks we are passionate about helping people with insurance. That’s because we aren’t insurers; we are brokers. Our job is to ensure you have the right cover for the right premium, so when you claim, you get paid out promptly.
Tim Chadwick, a seasoned insurance broker, explains, “You want confidence in your insurer as you expect to be compensated for all losses covered by your policy. Your insurance broker exists to simplify the policy fine print for your benefit.
A good insurance broker like Tim takes the time to understand your unique needs and risks. They ask questions, listen carefully, and offer personalized solutions that match your needs and budget.
Tim emphasizes, “A good insurance broker should aim to help clients identify and control risks before transferring them to an insurance policy. The best way to protect against loss or damage is
to prevent it from happening in the first place.”
In the heart of the Okavango Delta, Botswana, wildlife photographers and filmmakers Hannes Lochner and his wife faced an unusual and dangerous predicament.
While crossing a river, their Land Rover was attacked by a hippo, resulting in significant damage and the need for an immediate insurance payout.
Hannes recounted the harrowing experience: “We crossed the water, and a hippo attacked us, biting into the bonnet of the vehicle, lifted it half a meter, and shook it as much as it could. The teeth went through the front windows. But it missed the most important engine parts, so luckily, we could drive away. But it did a lot of body damage.”
Tim Chadwick’s prompt response and efficient handling of the claim were pivotal.
“The only communication that we had was a satellite phone. So we called Tim Chadwick. Tim used to be one of my clients way back. We were looking for competitive pricing, and he gave us a competitive price on our insurance,” Hannes explained.
“I got him on the sat phone, phoned him, and explained the situation.”
The claim was processed swiftly, allowing the couple to return to their crucial work.
A trustworthy broker puts your interests first, offering unbiased advice on the best coverage options for you.
Tim Chadwick states, “At Chadwicks we can access all registered insurers in South Africa. This ensures that you are always assured of independent advice and the best product at the best price.”
Tim’s expertise spans Commercial & Industrial insurance, Personal insurance, Marine insurance, Liability insurance, and Construction insurance.
When Craig Torr had his insurance claim denied for no good reason, Chadwicks Insurance stepped in to turn a potential disaster into a win.
Craig remembers the incident that started it all: “We were away for a long weekend and left our domestic worker to look after the house,” said Craig.
“The thieves broke through the front gate, got past the electric fence, and entered the house.”
Despite having good security and someone at home, his insurance claim was rejected because the insurance company said the house was “unattended.”
Chadwicks challenged this interpretation, arguing that having the housekeeper there should have been enough.
“Chadwicks sorted out the claim for us,” Craig explains.
“Tim Chadwick and his team will do whatever they can to make sure the claim is paid, within the law and policy rules, of course.”
A reliable broker communicates clearly and regularly with you.
Tim highlights, “At Chadwicks, our dedicated claims staff act quickly and decisively when handling your losses. A dedicated person will be assigned to your account, ensuring clear and regular communication.”
This includes electronic newsletters with practical insurance advice and an easy-tonavigate website for simple risk and insurance explanations.
1. Availability: Ensure the broker is available when you need them, especially for urgent insurance issues. An available broker can quickly address any problems or claims that arise, providing peace of mind.
2. Attention to Detail: Look for a broker who pays attention to details and can identify potential coverage gaps or risks. This thoroughness can prevent future issues and ensure you are adequately protected.
3. Trust: Choose a broker you feel comfortable with and trust to act in your best interests. A trustworthy broker will be transparent and honest, helping you make the best decisions for your needs.
4. Specialization: Consider whether the broker has experience in your industry or niche. Specialized knowledge ensures the broker understands your unique risks and can provide tailored advice and coverage.
5. Personality Fit: Work with someone friendly, easy to communicate with, and who shares your values. A good personality fit can enhance the working relationship, making it easier to discuss your needs and concerns.
A good broker like Tim is proactive in assessing your risks and adjusting your cover as needed.
They stay up-to-date on industry trends and changes, making recommendations to ensure you are fully protected.
Tim asserts, “Our unique Risk & Insurance analysis aims to
present a clear and professional picture of your risk to insurers, which ultimately goes a long way to avoid unpleasant surprises when claiming.”
A dependable broker is available when you need them, responding to inquiries and claims promptly. “As independent insurance brokers, we place heavy emphasis on personalized service,” Tim says.
Renewing your business insurance can be a complex process, but it’s crucial to ensure your coverage is upto-date and adequate. Working with a broker like Chadwicks Insurance can make a significant difference in securing the right protection for your business.
As Tim Chadwick, founder and CEO of Chadwicks Insurance, emphasizes, “Your broker plays an essential role in understanding the nuances of your insurance coverage. Having clarity on your coverage ensures you’re adequately protected when the need to claim arises – with no unforeseen surprises
Here are some important questions to ask your broker during your renewal process.
Underinsurance can lead to significant financial losses during claims. Many businesses face penalties because they don’t fully understand their insurance terms or how to set their sums insured
Tim Chadwick explains, “If the insured value for certain types of asset insurance falls short, insurers may deduct a percentage of underinsurance from the claim.” For example, insuring only 75% of the Full Value at Risk could result in a 25% deduction for underinsurance.
Ensuring your business is adequately covered is essential to avoid such penalties.
A comprehensive risk management strategy can help lower your insurance premiums by maintaining an attractive risk profile to insurers. “The adage that prevention is better than cure is so true in terms of managing your insurance risk,” says Chadwick. A good strategy includes identifying risks, evaluating their consequences, controlling them, mitigating their impact, retaining financial resources to absorb them, and transferring insurable risks through appropriate coverage.
Natural disasters can cause substantial damage to your business. It’s crucial to understand how your policy addresses specific loss scenarios. “A thorough understanding of your policy, coupled with a comprehensive risk assessment, is crucial for safeguarding your assets and finances from unforeseen calamities,” Chadwick advises. Make sure your policy covers natural disasters and that you are aware of any exclusions.
Cybersecurity is a growing concern for businesses worldwide. “We strongly recommend considering cyber insurance if you do not already have it,” suggests Chadwick. With the rise in phishing and other cyber scams, having this insurance can protect your business from severe consequences like identity theft and other insured financial losses.
Business Interruption Insurance, also known as Consequential Loss Insurance, is vital for protecting against financial losses from damage due to insured perils. “Over 40% of companies experiencing severe fire losses never resume operations,” warns Chadwick. Ensuring comprehensive coverage can provide financial stability and support recovery during challenging times.
No insurance policy covers every possible circumstance. Understanding exclusions and managing your risk profile can help reduce premiums and exposure to uninsurable events. Key exclusions typically exclude non-accidental events, compliance with laws, identifiable events, proof of loss, legal interest in the insured asset, defects in design or construction, and specific uninsurable risks like war or bad decisions.
Employee theft insurance protects businesses from financial losses due to fraudulent or dishonest actions by employees. This specialized coverage is crucial for safeguarding your business. “Standard theft/burglary cover specifically excludes employee theft,” Chadwick notes. Having this insurance acts as a financial safety net, allowing your business to recover swiftly and effectively from such incidents.
Chadwicks Insurance stands out by offering personalized service and expert advice. “We listen to understand your unique needs and risks,” Chadwick explains. Unlike many brokers, Chadwicks works with all major insurers to provide the best options at the best price. They also explain insurance terms clearly, avoiding confusing jargon.
Tim Chadwick proudly states, “We’re proactive: we regularly review your coverage and suggest adjustments as needed. We’re always available for questions or claims, and we work with an incredible team
of humans, not call centres.” This dedication to customer service is echoed in testimonials from satisfied clients.
Farzana Kajee, Director at Engen, shares, “Professional, caring, and always looking out for our best interests. The people at Chadwicks are very knowledgeable when it comes to insurance; we can relax knowing we’re covered. Strongly recommended.”
Lois O’Brien, Managing Director at Smile FM, adds, “This brokerage is a gem. They sweat the small stuff, keep us in the loop, and genuinely care about our business. They set the bar high for what customer service should be. You can’t go wrong with Chadwicks.”
Brian Woodland said, “As an ex-banker and a current business consultant, I value clear communications, faultless admin, and above average service levels. Chadwicks ticks all of these boxes boldly. Highly recommended!”
Experience the Chadwicks difference today, experience insurance “Fast, Friendly & Simple”. Their professional approach to risk aims to ensure you have the right coverage to protect your business.
In today’s fast-paced online world, convenience often takes precedence over thoroughness. When it comes to buying insurance, many people gravitate towards the ease of online, direct providers. The appeal is clear: a few clicks, a simple form, and you’re insured. But what you gain in convenience, you may lose in coverage, cost efficiency, and crucial support when you need it most.
Tim Chadwick, founder of Chadwicks Insurance, sheds light on why having an insurance broker can be a game-changer, especially when it comes to making claims and receiving fast payouts.
“Direct insurers often offer a one-size-fits-all approach,” explains Chadwick. “You fill out an online form, get a quote, and that’s it. But insurance isn’t a one-size-fitsall product. Everyone’s needs are different.”
An insurance broker works with a diverse range of insurers, giving you access to multiple plans and options. “It’s like having a personal shopper for your insurance needs,” Chadwick says.
“We compare products from various companies to ensure you get the right coverage at the right price. This tailored approach can save you money and provide better protection.”
Navigating the complexities of insurance policies can be overwhelming for the average person.
Insurance brokers, however, are licensed professionals with a deep understanding of different insurance products and market intricacies.
Chadwick emphasizes the importance of this expertise: “Brokers can explain coverage options, answer your questions, and guide you through the claims process. This is a human touch you simply won’t get from a website.”
When you buy insurance online, you’re essentially on your own when it comes time to make a claim.
But with a broker, you have someone who can break down the fine print and ensure you understand what you’re buying.
“We help demystify insurance jargon and ensure that our clients know exactly what they’re covered for,” Chadwick notes.
One of the most significant advantages of having an insurance broker is having an advocate on your side when you need to make a claim.
“Dealing with insurance companies after a claim can be frustrating and time-consuming,” Chadwick acknowledges.
“Brokers act as your advocate, negotiating on your behalf to ensure you receive fair compensation. We handle the paperwork, fight for what’s rightfully yours, and take the stress out of a stressful situation.”
This advocacy can make a huge difference in the speed and success of your claim.
“When disaster strikes, the last thing you want is to be bogged down by bureaucracy,” says Chadwick. “Brokers streamline the process and get you back on your feet faster.”
Life is dynamic, and so are your insurance needs. A good broker will review your coverage regularly, ensuring it adapts to your evolving life stages.
“Whether you’re buying a new car, starting a family, or nearing retirement, your insurance needs change,” Chadwick explains.
“We help tailor your insurance plan accordingly.”
This ongoing support is something direct insurers rarely offer.
“With a broker, you have a longterm relationship,” says Chadwick.
“We check in regularly, update your policies as needed, and ensure you’re always adequately covered.”
Chadwick recalls a recent client who experienced the difference firsthand.
“A client had purchased home insurance through us and unfortunately suffered significant damage during a storm. They were stressed and unsure how to proceed,” he recounts.
“We stepped in, handled all communications with the insurer, and ensured their claim was processed quickly and fairly.
They received their payout much faster than they would have on their own.”
Stories like this highlight the invaluable role brokers play. “It’s not just about selling a policy,” Chadwick states.
“It’s about being there for our clients when they need us most.”
While direct insurers might seem convenient, they often fall short in providing comprehensive coverage and support.
For true peace of mind, an insurance broker is an invaluable asset. They offer choice, expertise, advocacy, and ongoing support – all of which can save you time, money, and heartache in the long run.
“Don’t be fooled by the simplicity of click-through insurance,” Chadwick advises. “Give your local broker a call. You might be surprised at what you find.”
In the end, it’s about more than just insurance – it’s about ensuring you’re protected, supported, and cared for in times of need. And that’s something you can’t put a price on.
1. Limited Coverage Options: Online insurers typically offer one-size-fits-all policies that may not fully meet your unique needs.
2. Lack of Personalised Advice: Without a broker, you miss out on expert guidance tailored to your specific circumstances.
3. No Advocacy During Claims: When you need to make a claim, online insurers rarely provide the dedicated support and negotiation a broker offers.
4. Hidden Costs: The seemingly cheaper online premiums often come with hidden fees and insufficient coverage that can cost you more in the long run.
5. Complex Policy Terms: Understanding intricate policy details on your own can be difficult and lead to misunderstandings about your coverage.
6. Inadequate Updates: Online insurers may not proactively update your policy as your life changes, leaving you uninsured.
7. Impersonal Service: Online insurance lacks the human touch, making it hard to get quick, clear answers and support when you need it most.
As you navigate the complexities of securing insurance, you may ponder questions like: How can I be sure I’m adequately covered? What if my claim is unfairly denied? Is there someone who can advocate for me during disputes with my insurer?
This edition of our magazine addresses these common concerns, providing insights and answers through a real-life example that underscores the importance of having a reliable insurance broker.
We feature an interview with Craig Torr, a client of Chadwicks Insurance in Cape Town, South Africa, whose experience exemplifies the best approach to ensuring you are adequately covered and supported during insurance claims.
Craig’s story begins with
a denied claim following a break-in at his property—a situation fraught with stress and uncertainty. Despite taking all the proper precautions and paying his premiums faithfully, his initial dealings with the insurance company were fraught with challenges.
However, the tide turned, and Chadwicks stepped in to advocate on his behalf.
This magazine follows each step of Craig’s journey with Chadwicks, from the initial filing of the claim to its successful resolution.
His story illustrates the critical role of an experienced broker. It demonstrates how such a partnership can lead to rightful claim settlements, providing security and peace of mind.
Join us as we explore the pivotal moments of Craig’s experience and reveal why your choice of an established insurance
Tim Chadwick Founder & CEO
brokerage like Chadwicks isn’t just beneficial—it’s essential for anyone looking to protect their assets with confidence.
Plus, we speak with Hannes Lochner, international wildlife photographer, who reached out to Chadwicks for help. Without any fuss, the damaged caused by the Hippo was repaired Hannes was on a photo shoot. His vehicle was badly damaged when a Hippo. Chadwicks ensured this unusual claim was handled promptly and professionally.
Hannes’ story shows that with Chadwicks support, even in the most challenging conditions, having a good insurance broker is the key to staying on the road.
This magazine aims to arm you with the knowledge and understanding necessary to navigate your insurance needs. Plus, it highlights the importance of having the right brokerage firm on your side!