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About Us
About Insurance 2U
Experienced Insurance Brokers – Advice, Market Access & Claims Advocacy
Insurance 2U is an Australian general insurance brokerage providing professional insurance advice and broking services to businesses, property owners, strata communities and individuals across Australia.
Our approach is based on experience, understanding the risk and providing ongoing service throughout the life of the insurance relationship – from arranging cover and managing renewals through to supporting our clients when a claim occurs.
We have particular experience in Residential & Commercial Strata Insurance, Concrete Pump Insurance, Plant & Equipment Insurance, Business Insurance, Commercial Property Insurance and Commercial Motor Insurance, together with a broad range of other commercial and specialist insurance classes.
Insurance 2U operates nationally, allowing us to assist clients throughout Australia by phone, email and electronic documentation.
Experience That Matters
Insurance is not simply about finding the cheapest premium. The quality of the insurer, policy wording, sums insured, limits, sub-limits, excesses, endorsements and exclusions can all become critically important when a loss occurs.
Our insurance experience allows us to understand both conventional business risks and more complex or specialist insurance requirements. We work with businesses ranging from small and medium enterprises through to property owners, strata schemes, contractors, trades and operators of specialised plant and equipment.
We believe a broker should understand the client’s business and exposures before approaching the insurance market. This allows us to seek terms from appropriate insurers and underwriting agencies and provide clients with meaningful insurance options rather than simply presenting a price.
Our Specialist Markets
While Insurance 2U can assist with a broad range of general insurance products, we have developed particular experience in the following areas:
- Residential & Commercial Strata Insurance – insurance programs for bodies corporate, owners corporations and strata communities.
- Concrete Pump Insurance – specialist insurance solutions for concrete pumping operators, including mobile plant, machinery, commercial motor and liability exposures.
- Plant & Equipment Insurance – cover for mobile plant, earthmoving machinery, excavators, loaders, cranes and other specialised equipment.
- Business Insurance – insurance programs for trades, retailers, offices, professional businesses and other Australian SMEs.
- Commercial Property Insurance – protection for commercial buildings, investment properties and associated property and business interruption exposures.
- Commercial Motor & Heavy Vehicle Insurance – insurance for commercial vehicles, trucks, vans, specialised vehicles and fleets.
- Professional & Liability Risks – including Public & Products Liability, Professional Indemnity and Management Liability.
- Other Commercial Risks – including Cyber, Marine Cargo, Contract Works, Industrial Special Risks and Corporate Travel Insurance.
Access to a Broad Insurance Market
One of the important advantages of using an insurance broker is access to insurance markets beyond those generally available through direct insurers or online quotation systems.
Insurance 2U has access to a broad panel of established Australian insurers, specialist underwriting agencies and, where appropriate, international insurance markets.
Our markets include major insurers and specialist underwriting agencies across the commercial, property, strata, liability, motor, plant and specialist risk sectors.
Insurance 2U is also a proud member of the Steadfast network, Australia’s largest general insurance broker network. This provides access to extensive insurer relationships, technical resources, claims support and Steadfast-enhanced policy wordings across eligible products.
Having access to a broad market is particularly valuable when a business or property has unusual characteristics, specialist equipment, difficult occupations, claims history or other circumstances that may not fit a standard insurance product.
What We Do When Arranging Your Insurance
Our work begins before a policy is placed.
When arranging insurance for a client, we aim to understand the business, property or assets being insured and identify the principal risks and insurance requirements.
Depending on the type of insurance, our broking process may include:
- Understanding your business activities, property, assets and insurance requirements;
- Reviewing existing insurance arrangements where available;
- Identifying relevant risk exposures and areas requiring insurance consideration;
- Obtaining the information insurers and underwriters require to assess the risk;
- Approaching appropriate insurers and specialist underwriting markets;
- Comparing available quotations, policy coverage, limits, excesses and important conditions;
- Explaining significant differences between available insurance options;
- Assisting with the placement of cover once instructions are received; and
- Providing ongoing assistance with policy documentation and changes during the insurance period.
Renewal – We Don’t Simply Send an Invoice
Insurance requirements change. Businesses grow, property values increase, equipment is purchased or sold, turnover changes and insurers regularly alter their pricing, underwriting appetite and policy terms.
That is why renewal is an important part of our service.
Where appropriate, we review the client’s existing insurance arrangements, obtain updated information, consider changes to the risk and assess the available renewal terms.
Depending on the circumstances and insurance class, we may also approach alternative insurers or specialist underwriting markets where we believe this is appropriate.
Our objective is not simply to find the lowest premium. We consider the overall insurance proposition, including coverage, insurer, policy wording, limits, excesses, exclusions, claims experience and premium.
Claims – Where Your Broker Really Matters
Buying an insurance policy is only the beginning. A claim is when the value of your insurance and your broker can really be tested.
Claims support is a major part of the service Insurance 2U provides to clients whose policies we manage.
Rather than simply giving our client an insurer’s claims telephone number, we can assist throughout the claims process.
Depending on the circumstances of the claim, our assistance can include:
- Helping you understand the claims process and information required;
- Assisting with preparation and lodgement of the claim;
- Communicating with the insurer, underwriting agency, claims consultant or assessor;
- Providing policy information and relevant supporting documentation;
- Following up outstanding claims and insurer responses;
- Helping resolve requests for additional information;
- Reviewing claim developments against the insurance arrangements we placed;
- Escalating delays or issues where appropriate;
- Assisting with disputes or concerns regarding the handling of a claim; and
- Advocating for our client’s interests throughout the claims process.
We understand that a significant insurance claim can disrupt a business, property or strata community. Our role is to help manage the insurance process so our client can concentrate on managing their business, property and other responsibilities.
The insurer has its claims team. You have your broker.
Commercial Insurance Solutions
Our broader insurance capabilities include:
- Residential & Commercial Strata Insurance
- Concrete Pump Insurance
- Plant & Equipment Insurance
- Business Pack Insurance
- Commercial Property Insurance
- Commercial Motor & Fleet Insurance
- Heavy Motor Insurance
- Public & Products Liability Insurance
- Professional Indemnity Insurance
- Management Liability Insurance
- Cyber Insurance
- Contract Works & Construction Insurance
- Industrial Special Risks (ISR)
- Marine Cargo & Transit Insurance
- Corporate Travel Insurance
Personal Insurance
We can also assist eligible clients with selected personal insurance requirements, including:
- Personal Accident & Sickness Insurance
- Home & Contents Insurance
- Landlord Insurance
- Private Motor Insurance
- Boat Insurance
- Personal Travel Insurance through our PassportCard online facility
Talk to Insurance 2U
If you are looking for an experienced insurance broker for your business, commercial property, strata scheme, plant and equipment or other specialist insurance risk, speak with Insurance 2U.
We assist clients Australia-wide.
Phone: 1300 300 561
Email: quotes@insurance2u.com.au
