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Insurance brokers are professional advisers who work on behalf of their clients. They help individuals and businesses identify their risks and decide what needs insuring and what can be managed in other ways. An insurance broker may specialise in one specific type of insurance or deal with many different types.
Insurance brokers provide their clients with expert advice in relation to the risks associated with the property they own and/or the business they operate. Often an insurance broker can provide professional, technical advice which can be particularly useful in the event of claim.
Brokers have access to many different insurance policies and will be aware of the benefits, exclusions and costs of competing policies. Brokers also help arrange and place the cover with the chosen insurer and can often provide advice on how to make the most of your insurance budget.