The life blood of a successful business is a healthy cash flow. Products are produced and sold, or services provided; wages and other overheads and expenses paid; profits made.
Impede or stop the process, even temporarily and like a plant denied water, or a heart of blood, the business suffers. If the interruption is severe enough the business may never recover if there is not sufficient capital to call on during the lack of cash flow.
We engage with clients and are discerning about their insurance needs, that’s what a Professional Insurance Broker does! An interesting and simple article that demonstrates why clients should use a Professional Insurance Broker including an example of the traps!
The financial services referred to in this financial services guide (FSG) are offered by Sear & Associates Insurance Brokers Pty. Ltd. ABN 15 006 568 501.
This Financial Services Guide (FSG) contains important information and details about our relationship with you. It sets out information required by law to assist you in deciding whether to use any of our services:
This FSG applies from 01 November 2018 and remains valid unless another FSG is issued to replace it.
Sear Insurance Brokers subscribe to the NIBA Code of Practice
All reputable Insurance Brokers are governed by a strong Code of Practice
The Insurance Brokers Code of Practice sets out the minimum service standards consumers can expect when they use an insurance broker and outlines what to do in the unlikely event they have a complaint to make.
Provides regulation for building and plumbing practitioners
VBA regulates building and plumbing practitioners to ensure the achievement of efficient and competition building and plumbing industries in Victoria. Services involve registering, licensing and disciplining plumbers, supporting the Building Practitioners Board, overseeing work of building surveyors, etc.
ASIC – Australian Securities & Investments Commission
ASIC is Australia’s corporate, markets and financial services regulator
The Australian Securities and Investments Commission Act 2001 requires ASIC to maintain facilitate and improve the performance of the financial system and administer, enforce and give effect to the law the law effectively and with minimal procedural requirements.
An owners corporation (formerly body corporate) manages the common property of a residential, commercial, retail, industrial or mixed-use property development.
You are likely to be a member of an owners corporation if you own a flat, apartment or unit. Your ‘body corporate’ became an owners corporation on 31 December 2007, when the Owners Corporations Act 2006 came into force. This law sets out the duties and powers of owners corporations.
Thermoscan (National Supplier Partner) – 10% Discount For Clients
Thermography Inspections of Electrical Assets
Established in 1980, Thermoscan provides independent specialist consulting thermography services to thousands of business across Australasia. Our thermographers are highly trained electricians with Level 1 or 2 thermography qualification. Our technicians are based in Queensland, (Brisbane, Gold Coast, Sunshine Coast), New South Wales & Victoria. We cover all other areas at least twice per annum.
We use highly trained technicians and state of the art Flir infrared equipment to capture and interpret thermal images (or thermograms). A thermal inspection from Thermoscan provides instant results in the form of feedback from our trained professionals. Furthermore, they produce a report detailing crucial diagnostics of your specified electrical assets.
Regular thermography inspections of your electrical assets allow us to identify electrical faults before their failure becomes a costly concern for your business.
Metal Industries Insurance Brokers is part of Australasia’s largest general insurance broker network. Steadfast’s scale and market leading innovation mean we are in a stronger position to secure the best insurance solutions for you, at a competitive price.