The power of partnership
Nobodydoes thisalone
The way we work with clients is the same way we work with the people behind us. Appointed, long-term, with both sides carrying an obligation. It's the reason a specialist firm can put the weight of a corporate broker behind you.
01 — With you
Partnership
is a two-way
obligation
Most broking relationships are transactional by design. You buy, they sell, and both sides start again next year. Appointment is a different arrangement, and it asks something of both of us.
What we owe you is straightforward enough: know the business properly, tell you the truth about what's covered and what isn't, go to the whole relevant market rather than the easy part of it, and be there when a claim lands.
What it asks of you is access. Tell us about the new contract before you sign it, not at renewal. Tell us about the acquisition, the new site, the change in what you're storing. Many uninsured losses come down to something the adviser was told late, or not at all.
That exchange is what makes the advice worth anything. An adviser who only sees your business through a schedule once a year is guessing, however good they are.
You're not being sold to
We're paid a fee you agreed, so there is nothing to push. Conversations are about the business rather than about a product.
The horizon is years
Decisions get made for where the business is going, not for what makes this renewal look good.
Either side can end it
No minimum term, no exit fee. The arrangement runs on being worth keeping, which is the point.
02 — Insurance Advisernet
A national network behind a specialist firm
BRS is an Authorised Representative of Insurance Advisernet Australia, part of the AUB Group — one of the largest broking networks in Australasia.
02 — Insurance Advisernet
Reach we
couldn't build
on our own
Owner-operated broking firms usually face a choice: stay small and lose access to the markets that matter, or join a corporate and lose the ability to work the way you think is right.
The network model resolves that. BRS keeps complete control over the advice, the client relationship and how we charge. What the network supplies is everything a firm our size could not build alone — market access, placement authority, negotiating weight with insurers, technology, compliance infrastructure and professional indemnity cover.
It matters at the point of placement. When an underwriter is deciding how hard to compete for an account, the volume standing behind the broker presenting it is part of the calculation. That weight is available to a client of ours in exactly the way it would be at a much larger firm.
Being part of a network is not the same as being owned by one. The advice you get is ours, the fee arrangement is ours, and no insurer in the network has any claim on where your business is placed. If the right answer for you sits with an insurer we place little else with, that's where it goes.
03 — Bentleys
Advice that
joins up
BRS is the insurance advisory division of Bentleys NSW, part of a national accounting and business advisory group with more than 80 partners, around 700 people and 18 offices around the country.
Insurance usually sits in a corner on its own. Your accountant knows the structure, the numbers and the plan; your broker knows the schedule. The two rarely speak, and the gaps open up in between — the entity that owns the asset isn't the entity named on the policy, the business interruption figure was set against a turnover from three years ago, the new subsidiary was never added.
Being structurally part of a business advisory group closes that. Whether you are with Bentleys or someone else, we know the information required and can pick up the phone to the people who prepare your accounts, and the advice you get on risk is built with sight of everything else going on.
The numbers are right
Sums insured and business interruption figures built from actual financial information rather than from last year's schedule.
The structure is right
Trusts, subsidiaries and related entities correctly named on policies — one of the most common and most expensive errors we find.
Change gets noticed
Acquisitions, restructures and growth surface in the accounting relationship, which means they surface in the insurance one too.
The point of all three
The reach of a large firm. The attention of a small one. Most people are asked to choose.
A corporate broker has the market weight and the infrastructure, and your account is one of thousands. A small owner-run firm gives you the principal's attention and can't always reach the markets that matter.
The three partnerships are how we avoid that trade-off. The network supplies the reach, where appropriate Bentleys supplies the broader context, and the client relationship stays where it should be — with the person who understands the business.
Next step
Start with
a conversation
Send us what you have in place now and we'll read it against what the business actually does.